Head, Commercial Banking

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Position:  Head, Commercial Banking

Division:  Commercial Banking

Department:  Wholesale Banking

Essential Information:

The Head, Commercial Banking is responsible for driving client acquisition and management of existing Commercial client relationships consistent with the Bank’s strategy in-order to achieve desired quality of business growth.

Reporting Relationships:

Functionally reports to the Head, Corporate/ Commercial Banking

Administratively reports to the Head, Corporate/ Commercial Banking

Supervises:

Relationship Managers and Relationship Officers

Job Duties:

  • Primary responsibility for the management of own portfolio of customers ensuring that they receive the appropriate level of service and advice to meet their specific needs.
  • Identify and develop commercial banking relationships.
  • Enhance client retention by providing a one-stop point of contact for all the client’s needs and requirements while providing world class customer service
  • Establish and develop various sales strategies to meet ever changing customer needs in liaison with the Product Development Team
  • Maintain and acquire and reactivate customer relationships to improve deposit liability growth and mix.
  • Conduct market research and competitor analyses within marketing area and develop strategies that will give the bank a large part of the market within its vicinity.
  • Recommend the creation of viable and profitable risk assets to increase business office profitability weekly and monthly statistics/performance reports for management use.
  • Sourcing for and monitoring of customer’s tenured investment / facilities.
  • Design product offerings tailored to meet the needs of the commercial sector in the country while maintaining regular contacts with their executives to push the Bank’s business.
  • Initiate and carry out recovery action on non-performing credits facilities.

Key Performance Indicators:

  • Achieve the approved Commercial Banking PBT target for the Bank
  • 100% attainment of annual targets (Deposits, Risk Assets, fees & commission, client conversions)
  • % of large corporate sector accounts controlled by UBA in the country
  • Timeliness in delivering revenue generation reports
  • Timeliness & effectiveness in completion of assigned tasks
  • Efficiency level at executing scheduled and ad hoc assignments
  • Effectiveness establishing new relationships
  • Targets Assigned Vs Actual

Skills:

  • Interpersonal skills
  • Advisory skill
  • Strategic Thinking
  • Relationship Management
  • Negotiation & Analytical skill
  • Product Development
  • Leadership skill
  • Selling & Marketing skill

Job Requirements & Knowledge:

  • Accounting, Finance and Financial analysis
  • Policy and Regulatory Interpretation skill and Implementation capability
  • Good understanding of the Zambian banking industry.
  • Knowledge of the bank’s policies, products and services.
  • Relationship management.
  • Knowledge on BOZ Regulatory policies.
  • Financial cost Management.
  • Internal processes and policies of the bank
  • Good understanding of financial services sector
  • Banking products

Application requirements:

  • Candidate must possess a minimum of a first degree or second class lower degree (BSc) from a recognized university
  • An additional qualification – MBA/M.SC and/or professional qualifications is required
  • Candidate must have 10 years banking experience, out of which at least 8 years must have been spent in Management cadre
  • Proven track record of successfully developing, and implementing strategic initiatives and programs
  • Candidates must have a minimum of 5 credits on their Grade 12 results with Mathematics and English included.

To Apply:

Qualified candidates meeting the above requirements must send a copy of their CV, a cover letter, and academic qualifications to [email protected] before 7th April 2021.

To apply for this job please visit ubagroup.com .

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