In his new role, Mr. Ainsah-Mensah will provide strategic oversight for the bank’s credit portfolio, which spans Retail, Business, Corporate and Investment Banking, as well as Home Loans.

His appointment underscores First National Bank’s commitment to responsible credit governance, risk management, and sustainable lending practices that support the long-term growth of First National Bank’s clients and the Ghanaian economy.

Warren Adams, Chief Executive Officer of First National Bank, says Mr. Ainsah-Mensah brings with him a wealth of experience in credit management and financial strategy, further strengthening the bank’s leadership team as it continues to deliver on its strategic ambitions in Ghana's evolving financial landscape.

"Joel’s appointment comes at a pivotal time as we strengthen our position in the market and deepen our support for clients across all sectors. His strategic mindset, coupled with his strong grounding in both risk and sustainability, will be instrumental in driving our credit agenda forward,” Mr. Adams says. “We are confident that under his leadership, our credit function will continue to support inclusive and sustainable economic growth."

Prior to his appointment, Joel held the position of Commercial, Corporate and Investment Banking Credit Head.  In that role, he was instrumental in the assessment, structuring, and execution of several big-ticket transactions that have been critical to First National Bank’s growth and its reputation as a trusted partner in major financing deals. His promotion reflects both his proven track record and the bank’s confidence in his ability to lead the credit function into its next phase.

Mr. Ainsah-Mensah is not just a seasoned banking executive but also has a strong academic foundation. He holds a Master of Business Administration in Finance from  Coventry University and a Bachelor of Science Degree in Agricultural Engineering from the Kwame Nkrumah University of Science and Technology (KNUST). His diverse academic and professional background equips him with a holistic perspective on credit and financial strategy.

He has also completed a Certificate in Climate Risk, Valuation and Investing from the CFA Institute. His forward-looking approach aligns with First National Bank’s ambition to be a leader in sustainable finance and climate-conscious banking in Ghana.

His leadership is characterised by a prudent yet progressive approach to credit, balancing risk and opportunity to ensure the bank’s resilience while empowering businesses and individuals to grow.

Mr. Ainsah-Mensah expressed his delight in assuming his new role. “I look forward to an impactful journey with First National Bank, and I am committed to leading the drive for excellence in credit management, fostering innovation, and enhancing value for customers”, he said.