Job Summary
Provides overall strategic, operational and commercial leadership of the bank.
Accountable to the board for profitability, regulatory compliance, growth of the loan and deposit portfolio, and the safety of depositors'' funds, while directly driving the sales agenda.
Responsibilities
Provide daily leadership and direction to all heads of department; chair the morning huddle to review previous day''s figures (deposits, disbursements, PAR, cash position).
Drive deposit mobilisation and loan growth targets; personally manage key/high-value customer relationships and prospect for institutional deposits.
Approve loans within delegated limit and chair the Management Credit Committee.
Review daily financial position, liquidity ratio and portfolio-at-risk (PAR) reports.
Ensure compliance with CBN / NDIC regulations and rendition of all statutory returns.
Represent the bank before CBN, NDIC, tax authorities, trade associations and the Onitsha business community.
Implement Board decisions and report monthly on performance vs. budget.
Oversee staff performance management, discipline and a strong service/sales culture.
Educational Qualification
Minimum of a MBA or MSC with Bachelor''s Degree (B.Sc) in Banking & Finance, Accounting, Economics, Business Administration or related field.
Professional Certification:
Microfinance Certification Programme (MCP) of the Chartered Institute of Bankers of Nigeria (CIBN) is mandatory for CBN approval as MD. ACIB, ICAN/ACCA or CIM an added advantage.
Experience Required
Minimum of 10 years in banking / financial services, with at least 5 years in microfinance or retail/commercial banking and 3+ years in a senior management role. Resumes as acting but must satisfy CBN ''fit and proper'' criteria and be cleared by the CBN before full confirmation.
Technical / Job Skills:
Strategic planning & budgeting; credit risk management; deposit mobilisation & sales strategy; knowledge of CBN Microfinance Policy, Prudential Guidelines & NDIC requirements; financial analysis & P&L management; proficiency in core banking applications and MS Excel / PowerPoint.
Soft Skills & Attributes:
Visionary leadership; strong negotiation and relationship management; integrity and sound judgement; excellent communication and public speaking; ability to build and motivate high-performing teams; Transparency, and commitment to corporate governance.
Deep understanding of the Onitsha / South-East MSME market structure.