JOB PURPOSE: Develop, manage, and over see, operations at the Regional office and ensure sustainable growth of the bank’s business in the allocated region across the priority sectors.
KEY RESPONSIBILITIES:
Directing and managing all business operational aspects in the region such as distribution operations, client acquisition and financing, enterprise support, relationship management, stakeholder engagements and general staff management.
Assessing local market conditions and identifying current and prospective investment opportunities among the SMEs, Women & Youth Enterprises etc
Preparing forecasts, business plans, and financial objectives to meet goals and metrics of the Regional Business Office.
Overseeing spending plan and allocating funds appropriately at the regional business office.
Providing Regional Business Office’s personnel training, development, coaching, business advisory to customers and motivation.
Identifying areas of improvement and channelizing corrective actions that can meet challenges and optimize growth opportunities for the region.
Sharing key details with other RBOs and headquarters on effective practices, business opportunities, competitive intelligence, and needs, etc.
Effective management of customer and employee satisfaction issues Ensure compliance to regulatory requirements and applicable laws
Optimize the presence and reputation of the regional business office and the company in general
Undertake continuous market intelligence/survey and provide periodic market movement and penetration reports with recommendations on significant developments Maintaining quality loan book, support supervision of projects, recovery & monitoring of loans in the region allocated.
Support the M& E/ E&S requests in the allocated region on requested projects
Developing a suitable policy framework, investment strategies, fundable pipeline building, credit appraisal, relationship management, monitoring
and evaluation among others.
Supporting and guiding the regional staff regarding execution of the assigned deliverables.
Managing stake holder relations relating to the special programs, including development partners, donors, government, civil society among others to enhance bank relations with such stake holders.
Managing relationship with existing and prospective customers in the region allocated.
Initiating and leading customer outreach and sensitization activities for target clients in the bank.
Provision of business advisory services to the target clientele.
Reviewing trends regularly within the assigned region and identify emerging opportunities, risks and proactively implement appropriate solutions/ mitigants.
Undertaking initial investment analysis and appraisal of proposals submitted to the Bank and make recommendations to the respective teams.
Ensuring compliance with the bank’s credit risk management policy, special programs policies /procedures, credit procedures manual among
others.
Conducting regular monitoring of all investments in the portfolio and provide periodic reports for management.
Provision of credit risk supervision, including the monitoring of borrower performance, credit risk grading of each loan in the portfolio (at least annually/inaccordance with the credit risk management policy) and where appropriate, recommend corrective actions to ensure adherence to credit policy.
Conducting regular site visits to ascertain the state of borrowers and determine the appropriate assessment of the credit risk rating.
Provision of periodic budget monitoring reports to the director Investments to guide in decision making with the aim of meeting regional
expectations.
Any other duties as may be assigned from time to time.
SKILLS AND QUALIFICATIONS
Bachelor’s degree preferably in Business studies/ social sciences, Sciences, or any business-related field. A Master’s Degree in the related fields above is mandatory. Professional qualification (e.g., ACCA, CPA, ACIB, etc.) would be an added advantage. Minimum 5years experience in a similar role within financial institution sector Experience in funding and managing SME’s