Head Business Banking

Position: Head, Business Banking
Department: Business Banking

Essential Information:
The Head, Business 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 Banking
Administratively reports to the Head, Corporate Banking

Supervises:
Relationship Managers and Relationship Officers

Job Duties:
1.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.
2.Identify and develop commercial banking relationships.
3.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
4.Establish and develop various sales strategies to meet ever changing customer needs in liaison with the Product Development Team
5.Maintain and acquire and reactivate customer relationships to improve deposit liability growth and mix.
6.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.
7.Recommend the creation of viable and profitable risk assets to increase business office profitability weekly and monthly statistics/performance reports for management use.
8.Sourcing for and monitoring of customer’s tenured investment / facilities.
9.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.
10.Initiate and carry out recovery action on non-performing credits facilities.

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

Skills:
1.Interpersonal skills
2.Advisory skill
3.Strategic Thinking
4.Relationship Management
5.Negotiation & Analytical skill
6.Product Development
7.Leadership skill
8.Selling & Marketing skill

Job Requirements & Knowledge:
1.Accounting, Finance and Financial analysis
2.Policy and Regulatory Interpretation skill and Implementation capability
3.Good understanding of the Zambian banking industry.
4.Knowledge of the bank’s policies, products and services.
5.Relationship management.
6.Knowledge on BOZ Regulatory policies.
7.Financial cost Management.
8.Internal processes and policies of the bank
9.Good understanding of financial services sector
10.Banking products

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