Branch Business Manager at HFC Limited

Job Description

Reporting To: Head of Retail Banking

Overall Job Purpose

The Branch Business Manager will be responsible for growing branch portfolio and balance sheet, and effective management of branch sales staff in order to maximise branch profitability.

Principle Accountabilities

• Generate and grow existing and New Business:
  • Develop strategies & execution plans to create new sales in all business lines in the branch.
  • Develop strategies & execution plans to ensure growth of existing business in the branch.
  • Prepare & execute sales presentations & activations.
  • Monitoring daily performance at the branch to ensure targets are met and developing corrective action plan where necessary.
  • Monitor & ensure customer service standards at the branch are met & maintained at all customer touchpoints.
  • Preparing relevant management Information reports on the branch performance within stipulated timelines.
• People Management & Administration:
  • Manage the sales staff at the branch by providing ongoing individual coaching and training to assure ensure achievement of sales goals,staff retention and deepening team relationships.
  • Continuously review & appraisal of branch sales staff performance and immediate corrective action.
  • Ensure sales staff are motivated for maximum productivity.
  • Cultivate a team culture that enhances support for each other to ensure overall productivity.
  • Arrange, conduct or recommend appropriate training for branch staff to enable them carry out their duties effectively & efficiently.
  • Ensure discipline and adherence to staff code of ethics by Branch sales staff.
  • Ensure planned leave schedule & execution for branch sales staff.
• Relationship Management:
  • Supervise the development of a call program for all clients.
  • Review the call program to ensure that it’s followed with call reports generated per visit for effective follow-up.
  • Ensure the branch attend to customer banking needs in a timely manner and manage their expectations.
  • Directing, motivating and developing staff so as to ensure a branch succession plan for branch continuity is in place.
• Risk Management:
  • Develop a proposal for generating quality loan proposals that meets banks Risk acceptance criteria as per the credit policy.
  • Ensure that sales staff manage and maintain quality of Loan Portfolio in the branch.
  • Continuously review the branch credit portfolio to ensure that early warnings of default are addressed in a timely manner to avoid deterioration to bad debts.
  • Ensure that assigned sales staff are taking remedial actions on all delinquent accounts.
  • Ensure that the branch strictly adhere to banks operating procedures & policies to ensure all controls are observed.
  • Ensure the branch comply with AML/KYC guidelines in customer recruitments.
  • Review of compliance/Audit reports for the branch with the quest to ensure that corrective action & recommendations are addressed.

Minimum Qualifications, Knowledge and Experience

• A business related degree from a reputable institution, Masters’ degree is an added advantage.
• Professional qualifications- AKIB/ CPA/ACCA.
• At least 3yrs experience in sales management within the Banking Industry.
• Strong credit underwriting skills.
• Strong appreciation of banking operations, corporate, treasury, retail and transaction banking.

Key Competencies and Skills

• Ability to work independently under strict deadlines.
• Good interpersonal and communication skills.
• Analytical and basic accounting skills
• Demonstrated good planning and organisation skills.
• Strong leadership and management skills.
• Selling, persuasion and negotiation skills
• Report writing and presentation skills.
• Team player and must have integrity.