There is an exciting employment opportunity at Calbank Ghana. The bank is hiring Sector Heads – Commercial Banking. The role holder drives growth, profitability, and credit quality for the Bank’s Commercial portfolio within assigned economic sector(s). This role focuses on sector specialization, business development, product management, relationship management, credit portfolio management, and value-chain development, ensuring that commercial clients receive tailored financial and advisory solutions aligned with sector dynamics.
Location: Head Office, Ridge – Accra
Reports to: Head, Commercial Banking
Main Responsibilities
1. Sector Strategy & Portfolio Development
- Develop and execute sector-specific commercial strategies aligned with the Bank’s objectives and risk appetite.
- Build a deep understanding of the assigned sector, including:
- Value chains
- Seasonality and cost structures
- Cash-flow cycles
- Regulatory and policy environment in Ghana
- Identify priority sub-sectors, anchor clients, clusters, and growth opportunities.
- Grow the sector portfolio in loans, deposits, trade, and fee income.
2. Relationship Management & Business Development
- Originate and manage relationships with key commercial clients, associations, and sector bodies.
- Serve as the sector expert, supporting Relationship Managers (RMs) and branch teams.
- Lead client acquisition through:
- Sector clinics
- Business forums
- Trade fairs
- Value-chain partnerships
- Cross-sell relevant products including loans, trade finance, cash management, FX, digital collections, insurance, and advisory services.
3. Credit Leadership & Risk Management
- Lead sector-based credit structuring and assessment, ensuring:
- Proper understanding of sector risks
- Cash-flow-based lending
- Appropriate collateral and risk mitigants
- Support and challenge credit proposals to improve approval quality and turnaround time.
- Monitor portfolio quality, including:
- Early warning signals
- Past-due trends
- Sector-specific stress factors
- Work closely with Risk, Credit, and Recovery teams to maintain acceptable NPL levels.
Key Performance Indicators (KPIs)
- Sector portfolio growth (Loans & Deposits)
- Net interest income & fee income from sector
- Portfolio quality (NPL ratio, arrears trends)
- Client acquisition & retention
- Turnaround time for credit approvals
- Cross-sell ratio per client
- Sector knowledge transfer & RM capability improvement
Qualifications & Experience
Education & Professional Qualifications:
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or related field
- Professional qualifications (CA, ACCA, CIB, CFA) are an advantage
Experience:
- Minimum 7–10 years in SME or Commercial Banking
- Proven expertise in credit analysis, relationship management, and business development
- Prior experience in sector-based lending or specialized portfolios is highly advantageous
Key Competencies
- Strong SME credit and financial analysis capabilities
- Deep understanding of Ghana’s SME landscape
- Sector value-chain and cash-flow modeling expertise
How To Apply For Employment At Calbank
Closing Date: 10th April, 2026
Calbank is an equal opportunity employer committed to diversity and inclusion. Female candidates are strongly encouraged to apply.
