Managing Director

Strategic Leadership & Governance:

* Develop and implement the bank's strategic plans in line with its vision, mission, and regulatory requirements.

* Work with the Board to shape policy and ensure effective governance structures are in place.

* Lead the execution of short-term and long-term business strategies.

* Represent the bank in high-level regulatory, industry, and public engagements.

Regulatory Compliance (CBN Returns & Reporting):

* Ensure timely and accurate preparation and submission of all statutory reports and returns to the Central Bank of Nigeria (CBN).

* Ensure strict compliance with CBN's MFB regulatory framework, including revised guidelines, circulars, and prudential guidelines.

* Liaise with CBN examiners during routine and special examinations.

* Oversee prompt response to CBN Management Letters, resolving queries and implementing recommendations.

Financial Management & Reconciliation:

* Oversee the preparation of financial statements in line with regulatory and accounting standards.

* Supervise the bank's daily, monthly, and year-end reconciliations, ensuring no unresolved balances in suspense or transit accounts.

* Monitor financial performance and provide regular reports to the Board and relevant stakeholders.

* Ensure strict internal control and risk management systems are maintained.

Loan Portfolio & Recovery Management:

* Oversee credit origination, appraisal, and disbursement in line with credit policy.

* Ensure robust monitoring and recovery strategies are implemented for delinquent loans.

* Lead loan recovery efforts and direct the legal/collections team to enforce loan agreements where necessary.

* Maintain a healthy PAR (Portfolio at Risk) and improve loan repayment culture among clients.

Filing, Documentation & Record Keeping:

* Ensure all statutory filings (e.g., CAC, tax authorities, CBN) are done accurately and on time.

* Supervise proper documentation of all operational and financial transactions.

* Guarantee that customer, employee, and regulatory records are securely stored and easily retrievable.

Operational Oversight & Staff Management:

* Oversee day-to-day operations, ensuring optimal performance across all departments.

* Promote a performance-driven culture through training, supervision, and performance evaluation.

* Ensure adherence to HR policies, code of conduct, and disciplinary procedures.

* Lead executive meetings an ensure prompt follow-up on action item