General Manager, Business Development & Consumer/Retail Banking

Responsibilities:

• Business Development & Portfolio Growth: Lead the expansion of consumer, retail, and personal banking lines by leveraging an existing client portfolio to significantly grow deposit liabilities, quality risk assets, and overall profitability.
  
• Strategic Market Penetration: Drive market expansion strategies across Uyo and the broader Akwa Ibom State region, identifying new high-yield business opportunities and nurturing high-net-worth relationships.
  
• Financial Management & Profitability: Oversee monthly fee structures, interest income, investment returns, and expense tracking; prepare and interpret management accounts, annual budgets, financial statements, and variance reports.
  
• Regulatory Compliance & Reporting: Ensure full operational and financial compliance by managing the preparation, interpretation, and timely submission of monthly, quarterly, and bi-annual regulatory returns to the CBN and NDIC.
  
• Credit Appraisal & Risk Management: Evaluate credit applications using robust credit appraisal standards and apply enterprise risk management principles to build a healthy, low-NPL risk asset portfolio.
  
• Operations & Executive Leadership: Direct daily retail banking operations, set performance benchmarks, monitor budget control, and lead business development teams toward meeting strategic growth targets.

Requirements:

• Minimum of a degree in finance, banking, management or any other relevant field.
• An additional postgraduate qualification or any other professional qualification will be an advantage.
• Have over 10 years of banking experience
• Have good interpersonal skills
• Must have work at management level in the banking sector
• Have good computer skills (must be fluent in Microsoft Word, Excel and PowerPoint).
• Conversant with preparation and interpretation of management accounts, annual accounts and other performance monitoring accounts/tools as well as analysing financial statements on a monthly basis / variances reporting.
• Conversant with an interpretation of monthly, quarterly and bi-annual returns to regulators such as CBN and NDIC.
• Conversant with budget planning and control
• Conversant analyzing fees, interest income, investment income, commissions and expenses to ensure they are recorded appropriately on a monthly basis. Must have the ability to grow income lines, deposit liability, good risk assets and profitability
• Conversant with banking operations.
• Must have existing client portfolio to bring along
• Must have good credit appraisal skills and understand enterprise risk management.
• Understanding of the Akwa Ibom business sector will be an added advantage