Career opportunities: branch manager

To achieve Branch Sales Targets and promote the creation of new business for the branch, leading a team to reach excellence in customer sales and services.

• STRATEGIC:
• Plan sales targets and annual budget in line with overall objectives, implement and monitor for effective results.
• Prepare, gain approval for, and implement yearly budget, profit plan, and business strategy for the branch aimed at business development, customer focus, and increased profitability.
• Follows the bank's strategy for business development.
• Monitor branch profitability. Prepare progress report and analysis as required from time to time by Senior Retail Banking Management.
• Maintain customer satisfaction by establishing monthly calls and visits according to management request and plan.
• Provide ideas to enhance Bank's transaction.
• Ensure compliance with Senior Retail Management for setting up market plan initiatives.

• OPERATIONAL:
• Sales and Service Leadership and Management:
• Focus on business development for the branch and building key relationships.
• Jobholder has a major objective to boost service and sales of all products.
• Attract new business and expand current business by seeking customer deposit accounts and lending from current and prospective clients.
• Cross-sell banking services & promote a range of Bank products.
• Meet sales objectives by establishing/monitoring sales targets applying marketing research, defining sales strategies, and conducting service and sales meetings.
• Effectively promote the bank's products in the Branch and personal interactions with customers.
• Establish and maintain good working relationships with existing and potential internal/external customers.
• Paying personal attention to key clients. Actively pursuing various marketing strategies to attract new customers to the Bank.
• Identify community financial services needs by meeting potential customers in the business community.
• Present Branch sales and service performance to the Senior Retail Banking Management.
• Review customer Financing Applications by interviewing, analyzing, and evaluating applicants.
• Review and monitor customer accounts to identify and resolve credit risk situations.
• Manage operations, processes, and people to achieve targeted standards of customer services.
• Review customer complaints to ensure prompt resolution. Personally follow up with all customer complaints to ensure satisfaction.

• Compliance Responsibilities:
• Oversee and ensure compliance with bank financing policies and government regulations.
• Review consumer credit files, coordinating efforts with Audit, Loan review, Area operations, and collection department.
• Ensure compliance with all internal and external policies and procedures with a particular emphasis on Retail Credit and the regulatory environment.
• Ensure that every branch audit is passed with a minimum of a 'satisfactory' rating. Ensure that all audit findings and recommendations are actioned within agreed time periods.
• Achieve financial objectives by scheduling expenditure, analyzing variances, initiating corrective actions – responsible for controllable costs.
• Responsible for branch operational requirements with the Branch Operations Officer by scheduling and assigning employees, following up on work results.
• Maintain control in conjunction with Branch Operations Officer over daily branch operations by reviewing and authorizing transactions.
• Check cash balances, shortage, excess, and suspense account register regularly.
• Maintain registers, security access codes, and back-up keys for vault, safe, and ATM keys as per Bank's security guidelines in conjunction with the BOO.
• Assess infrastructure requirements and facilities for the Branch and discuss requirements with the Area Manager to ensure that the Branch is properly equipped to operate efficiently.

• Maximizing Employee Contribution:
• Coach, mentor, and appraise branch employees to perform above expectations with a high level of customer orientation.
• Identify and discuss career development plans for staff with Senior Retail Management and HR-Business Partner.
• Resolve personnel issues.
• Motivate branch employees to ensure that they proactively identify and maximize sales and referral opportunities, both within the branch and across the KIB.
• Involved in interviews and selection in conjunction with Area Manager and Human Resources.
• Ensure all employees are aware of the procedures and practices covering all operational activities and contingencies.

Key Interactions:

• Internal: Associates within other divisions
• External: Government officials, Customers, Default borrowers and their employers to settle loans.

Education Qualifications:

Bachelor/Diploma in Business Administration or Business Management. A Bachelor degree or equivalent in Business or Business Studies.

Experience:

• Min. 7 years experience, with at least 4 years in a retail financial institution at a supervisory level
• Minimum 2 years as Branch Manager handling a particular area (For external candidates)
• Good knowledge of banking operations in a Retail Banking set-up
• Successful track record of working with sales-oriented financial institutions to achieve & exceed sales goals. Open to change.
• Develop sales strategies, techniques & tactics based on customer feedback & competitive environment.
• Creative & innovative in finding solutions to increase sales & improve processes to achieve higher customer satisfaction.

Behavioral Skills:

• Result Orientation
• Customer focus
• Policies and Procedure
• Continuous Improvement focus
• Leadership and Team Building