Job offer: Head of SME Department – CCA

The position of SME Department Manager is open within the General Management of Crédit Communautaire d’Afrique Bank SA .

Mission

Under the supervision of General Management, the position holder will be responsible for: Ensuring the management and growth of the SME segment. Evaluate the market, take steps to identify opportunities and risks in financing SMEs, and propose the most suitable offers.

Profile

Hold a Bac +5 in (Banking, finance, Management sciences, Commercial management, Marketing and communication),
Have a minimum of five (5) years in the field of corporate customer management, including two (2) years spent in a similar position.

He/She must have

Technical skills

Good knowledge of the Bank’s products and the Clients’ sector of activity;
In-depth knowledge of the local economic context;
Good command of financial and accounting analysis tools;
Good command of financing techniques;
Good knowledge of risk parameters;
Good writing skills;
Good knowledge of the Bank’s core banking;
Good command of office tools;
Good command of fluent English.

Behavioral skills

Interpersonal skills ;
Open-mindedness;
Communication ability;
Ability to anticipate;
Dynamism and proactivity;
Leadership and ability to unite a team around common objectives;
Results orientation;
Ability to negotiate;
Self control ;
Ability to handle pressure;
Availability.

Main Responsibilities

Implement the commercial strategy of the bank for which he is responsible with a view to achieving objectives;
Develop and consolidate the customer portfolio of your department in order to increase the Bank’s NBI;
Help Account Managers ensure responsibility for managing the SME customer portfolio assigned to them;
Coordinate competitive market intelligence activities;
Participate in expanding the network by proposing new strategic targets
Identify development opportunities for the SME portfolio;
Ensure daily monitoring of performance indicators for account managers;
Ensure the achievement of assigned objectives;
Manage transactions and ensure coordination of operations with the Bank entities concerned;
Analyze and validate credit files at the first level according to the Bank’s credit risk management and control policy;
Present credit files to the Credit Committees;
Monitor the implementation and monitoring of its portfolio commitments with the Bank entities concerned: (Use the commitment lines; renew authorizations; recover receivables; request overruns);
Monitor the profitability and performance of the SME portfolio, and ensure its quality
Ensure the monitoring and recovery of doubtful debts in close collaboration with the recovery sub-department;
Make the monitoring and control reports available to the hierarchy within the allotted deadlines;
Make periodic reporting of activity and propose avenues for improvement.