Job Opportunities at Commercial Bank of Africa - 2 Positions

DEPARTMENT: PERSONAL BANKING

REPORTS TO: REGIONAL RETAIL MANAGER

JOB PURPOSE STATEMENT

The purpose of this role is to drive and deliver exceptional retail business performance, through the provision of efficient business management, powerful leadership, team development and achievement service delivery excellence.

KEY RESPONSIBILITIES

• Business planning and growth (deposits and lending) as well as customer growth and retention (40%).
• Branch Profitability and cost management (20%)
• Overall Quality of Customer experience in the branch (20%)
• Minimization of exposures to and impact of operational risks inherent in branch service delivery. Branch structure and application of established policies, processes, procedures and tools in achieving compliance requirements, optimal efficiency, resource utilization and cost containment ((10%)
• Leadership which translates into conducive work environment and employee satisfaction at the branch (10%)

COMPETENCE REQUIREMENTS

• Leadership to nurture and sustain employee satisfaction; and to manage changes
• Performance Management to optimize employee productivity
• Selling skills to grow customer numbers and customer product uptake
• Relationship Management - managing client relationship so as to ensure value add to the customer and increase in the Bank’s wallet share
• Operational Risk Management skills to minimize exposures to and impact of operational risks inherent in branch service delivery
• Organization development to effectively structure the Branch Banking functions for optimal performance
• Knowledge and experience in modern service delivery practices in medium to large banks to provide guidance on quality improvements and operational changes
• Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact performance.
• Ability of effectively plan and monitor the branch performance using defined system and processes
• Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
• Self-empowerment to enable development of open communication, teamwork and trust that are needed to support true performance and customer-service oriented culture.

QUALIFICATIONS AND EXPERIENCE REQUIREMENTS

• University Degree – Upper second or GPA 3.0.
• Proficiency in computer use including MS Office tools and banking systems
• At least 7 years banking experience four (4) of which must be in a branch management role; at least two (2) within a branch operations role and at least two (2) within business development.

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DEPARTMENT: CREDIT ANALYSIS

REPORTS TO: HEAD OF CREDIT ANALYSIS

JOB PURPOSE STATEMENT

To provide financial information and analysis, including market intelligence for use in the preparation of credit reports. In liaison with the Relationship Managers, prepare credit reports for review by the credit committee.

KEY RESPONSIBILITIES & PERCENTAGE (%) TIME SPENT

• Quality of credit reports for credit committee reviews (40%)
• Quality of market intelligence reports to support credit analysis (20%)
• Quality of credit portfolio information (10%)
• Adequacy of personal competence to effectively perform Credit analysis tasks (10%)
• Consistency in adherence to and application of established policies, processes, procedures and tools to achieve optimal efficiency, compliance and cost containment (20%)

COMPETENCE REQUIREMENTS

• Credit and Financial analysis skills to effectively perform credit analysis and portfolio maintenance activities/tasks in a manner that consistently achieves high quality standards or benchmarks.
• Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact performance.
• Knowledge of lending business and products
• Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
• Self-empowerment to enable development of open communication, teamwork and trust that are needed to support performance and customer-service oriented.

QUALIFICATIONS AND EXPERIENCE REQUIREMENTS

• University degree preferably in Accounting, Finance or Management
• Associate of Chartered Institute of Bankers (or equivalent) strong advantage
• Three years banking experience