Branch Manager job at Opportunity Bank | Apply Now

Branch Management and supervision

• Coordinate the branch staff to ensure achievement of financial sustainability, market coverage, customer outreach, savings portfolio growth, transformation, service quality with a focus on consumer protection and, efficient targets for the branch.

• Oversee all the branch operational activities, including loan disbursement, teller services, account opening,

• Ensure the day to day management of the branch, opening and closing the branch and coordinating available resources.

• Monitor branch office expenses to ensure compliance with budget

• Coordinate all branch management weekly or monthly meetings.

• Monitor all branch property and equipment movement, there security and review condition compared to book value.

• Meet set targets for loan disbursement, Portfolio (PAR) quality and deposits targets

• Member of the branch credit committee

• Ensure that client’s complaints and feedback are appropriately and effectively handled, the complaints handling channels are in place and effectively being used

• Provide assistance to any examination conducted by BOU, other regulators, external auditors and internal auditors

• Achieve branch customer satisfaction rating of 90% and Net promoter 90%

• Ensures that staff don’t knowingly over burden clients with debt by monitoring client’s over-indebtedness.

• Coordinate the annual branch planning process for the branch’s targets and budgets

• Ensure that adequate resources are provided to the branch staff on time

• Train, mentor, advice, guide and support branch staff to ensure staff are motivated and organized to exceed performance targets.

• Ensure staff have annual performance targets that are aligned to OBUL’s strategic plan

• Monitor achievement of performance of the branch against the set objectives and take corrective action against significant deviations.

• Ensure weekly and monthly performance returns to Head office, relating to saving portfolio growth, staffing, client training and general performance of the branch

• Ensure that both new and existing receive quality training in financial literacy, business management skills, loan terms and conditions etc

• Ensure branch ambiance and general cleanness.

• Operational and credit risk management, internal control and regulatory policies, procedures and systems compliance

• Communicate clearly to branch staff all policies, guidelines and procedures, where training is needed it should be provided

• Ensure high level of product knowledge and risk management systems by all staff

• Ensure that both operational and relationship branch functions and activities follow local banking legislation, client protection guidelines and internal control policies and procedures.

• Implement and monitor security and fraud precautions at the branch to protect customer deposits, bank assets and staff

• Conduct unannounced audits of cash in vault and all branch cash funds and cash limits

• Ensure privacy of client data at all levels, and train staff on how to handle client data

• Ensure branch staff behaviour is in line with the code of conduct, core values and mission.

• Ensure that clients complaints are registered, solved appropriately or escalated to the responsible person at head office within the specified time.

• Ensure that staffs communicate clearly and effectively to clients in a language that they understand, explaining all terms and conditions before sale and during sale.

• Ensure that clients receive signed copies of Key facts documents, loan contracts, and their guarantors also receiving copies of the guarantee contracts.

• Ensures that loan recovery is done according to policy, or in accordance with the acceptable and unacceptable collection practices.

• Ensure staff are well trained in loan assessment and evaluation to prevent client over-indebtedness.

• Ensure that new staff before they are assigned any task are properly trained, but even then, continue offering on job training and mentoring

• Risk Management and Compliance:

• Identify risk factors and establish frameworks to mitigate risk in the Department making sure there is a faster mechanism in place to enable quick and early detection and escalation of issues when they arise.

• Ensure compliance with Finance policies and procedures, BOU regulations, budget parameters, and procedures and the risk management framework operational within the Bank.

• Responsible for closure of audit, risk and BOU findings /reports, and helping resolve issues raised as well as ensuring no repeat findings.

• Branch based marketing, sales and client service strategy and approach

• We shall behave in a C.H.R.I.S.T-like manner towards our clients.

• Ensure profitability of the branch through cost controls and mobilizing deposits.

• Ensure staff act fairly and reasonably in all their dealings with a client or group of clients, not discriminate against any customer on the grounds of sex, race, colour, ethnic origin, tribe, birth, creed or religion, social standing, political opinion or disability;

• Ensure staff do not exert undue influence or duress on a consumer to enter into a transaction.

• Conduct client exit surveys at the branch, review the client and staff satisfaction survey and impact assessment reports, use the information for branch improvement is service delivery.

• Promote a sales-oriented culture within the branch that satisfies the needs of clients and recognizes the importance of long-term customer relationships.

• Gain close client contact through field visits to keep abreast with customer needs, service problems and resolving problems as necessary.

• Reinforce the application of superior customer service.

• Ensure that client product and service delivery is aligned to the client protection principles as detailed in the code of conduct.

• Establish linkages with other like-minded organizations that can provide services that OBUL cannot provide to promote holistic transformation e.g Health services.

• Train staff on best customer service and award good customer service.

• Branch human resource management

• Establish and communicates clear and comprehensive organization structure and job descriptions for all staff based in the branch.

• Carry out quarterly and annual performance reviews, ensures that all branch staff are appraised based on performance objectives and recommending them for training whenever necessary.

• Ensure effective management of poor performance and disciplinary actions

• Induct, train, motivate, coach, encourage and mentor staff.

• Hold regular reporting and planning meeting with all branch staff.

• Reward both social and financial performance

• Ensure staff adhere to the code of conduct and those who deviate face disciplinary actions.

• Promote staff spiritual development activities like devotions, prayer retreats, trainings, team work building activities etc.

• Ensure that both staff and clients have access to HIV/AIDS preventive and positive living information and those who are infected are affected are not discriminated.

• Conduct staff exit survey’s and inform management

• Transformation and SPM objectives and activities

• Ensure that transformation and Social performance management are embedded in the branch’s strategic plan, staff targets, staff activity plans, budget and daily branch operations

• Ensure that outreach and transformation data is, collected, validated and data is entered into T24.

• After the data has been analyzed, ensure that results are used to improve branch performance and also inform management.

• Ensure that branch staff performance targets and work plan are aligned to the transformation and SPM OBUL’s strategic plan.

• Ensure branch staff are trained on the vision, mission, transformation impact, and OBUL code of conduct.

• Encourage the discussion, understanding and promotion of transformation activities by all branch staff and clients.

• Promote staff and client transformational development especially personal financial literacy and ensure that it is regularly monitored.

• Ensure adequate resources are provided to branch based transformational and SPM activities.

• Support and promote the OI Network gender policy and the network’s initiatives for gender sensitivity and gender equity.