Branch Manager -African Century Limited

Job Summary

Applications are invited from appropriately qualified and experienced Commercial Banking Sector candidates to take up the position of Branch Manager.

The position ensures the efficient daily operation of the branch by developing new deposit and loan business, providing a superior customer experience, and promoting a sales and service culture through coaching, guidance, and staff motivation. Individual and branch sales goals must be met through new business development, referrals and retention, and account relationship expansion. The manager must be able to guarantee strong portfolio growth, superior loan portfolio quality, excellent client service, high employee morale, and branch profitability. They must also ensure that the Branch keeps up-to-date, accurate records and generates required reports on time.

Duties And Responsibilities

• Ensures that retail staff members receive training and development in bank protocol, operational processes, policies, and procedures.
• Promotes a happy workplace that supports exceptional customer service, growing profitable client relationships, and employee engagement.
• Encourage a work environment that encourages giving customers the kind of attention that makes them feel important, appreciated, and engaged.
• Assist in managing customer complaints in accordance with the various levels of authorization.
• Encourages the branch team to assume responsibility for achieving individual and branch goals.
• Ensure that all employees follow the Policies and Procedures, including controls, and make recommendations for updates as needed.
• Evaluate the branch’s operational risk in order to ensure compliance with internal and external regulations.
• Maintains security procedures to protect the team and branch from robbery and other criminal acts.
• Ensures that audit controls are followed to protect the bank from unnecessary risk and exposure.
• Informs the branch team about the products and services available through other lines of business.
• Concentrate on improving customer relationships through referrals.
• Works together with other internal business partners to offer complete solutions for the needs of the customer in terms of finances.
• Takes part in community organizations and events to improve the bank’s reputation and create new clientele and referral sources.
• Keep abreast of the economic developments in the branch’s zone
• Coordinate the activities of the branch Credit Committee for loan applications pertaining to his/her branch.
• Chair the credit committee for loan applications pertaining to his/her branch within his/her authority level.
• Ensure all documentation and requirements are complete prior to loan approvals.
• Ensure quality of analysis by all Personal bankers/Loan Officers in the Branch.
• Review the daily repayment reports and other relevant reports per Personnel banker/Loan Officer and for the entire branch as soon as they are available.
• Ensure that debt recovery strategy and procedures are adhered to.
• Coordinates improvement to branch layout and improvements including expansion.
• Ensures that the branch maintains up to date accurate records and generates necessary reports on time.
• Provides effective and efficient report of the operations activities, deposit and portfolio status at the branches to management for analysis and decision making.
• Manages the budget for the branch.
• Sets Performance goals for Branch staff and conducts annual/quarterly employee performance reviews creating accountability through performance measurement against objectives, using the review process to build motivation and commitment.

Qualifications And Experience

• Commercial banking experience a must
• Minimum of 5 years’ related experience in banking operations and/or credit Loan analysis, credit approval authority is required.
• Excellent knowledge and understanding of the market.
• Superior Customer Relationship Management.
• A minimum of Bsc in Business, Banking, Finance, Accounting, Economics, and/or related fields with numerate coursework. An MBA is an added advantage.
• Ability to manage 24×7 operations for banking, call centers, and transaction processing.
• Strong management and leadership skills; able to coach and motivate staff.
• Strong financial analytical skills, e.g., read and interpret financial statements; evaluate loan recommendations and approvals.
• Excellent computer literacy and experience with Microsoft Office applications, especially Excel and T24 MCB.
• Excellent communication skills.
• Strong interpersonal skills.
• Good organization and planning skills.
• Good presentation and Leadership skills.
• Superior Customer Relationship Management.
• Strong negotiation skills and business judgment.
• Problem solving and Results oriented.
• Proactive, Responsive, Honest and Integrity.