Branch Manager (Busia/Naivasha/Watamu) at I&M Bank

The role is responsible for effectively growing the portfolio by working on strategies to acquire new customers, retain and expand through cross selling the relationship with existing customers. Performance indicators include growth in loan assets, total deposits, Total Net Revenue, CASA, Management of asset quality, New to Bank revenue, nil operational loses and enhanced customer satisfaction / experience.

Primary Responsibilities:

• Market for new business with existing and potential clients in both assets and liabilities for the branch.
• Monitoring accounts and following up for repayments and remedial action where accounts may become delinquent.
• Ensure securities are perfected in a timely manner.
• Set targets for the Branch teams and monitor performance to ensure the Branch achieves its overall business targets.
• Review credit applications and call reports prepared by the Relationship Officer and make appropriate recommendations to the approving authorities.
• Review the daily overrides report as well as over the counter payments and make appropriate decisions or recommendations.
• Process ad-hoc/additional/new requests/complaints/excesses and obtaining approvals where/when required.
• Provide feedback to customers in reply to their requests and requirements in a timely manner.
• Follow up with customers to ensure compliance with sanctioned terms and conditions with respect to account operations and provision of all requisite documents and covenants.
• Comply with audit observations and initiating necessary action and follow up with clients.
• Educate and create awareness for the client on new products, Banking regulations, requirements and industry trends.
• Provide feedback to Senior Management on customer requirements/ market trends/product development to suit the needs of the customers.
• Ensure quality service delivery within prescribed TATs to ensure customer satisfaction and business retention or growth.
• Mentor and manage the entire Branch team.
• Approve large RTGS, TT and  Fixed deposit initiations as required.
• Oversight of Branch operations duties and actions.

Person Specifications

• At least 5 years' relevant experience.
• Bachelor’s degree in Commerce, Management or Accounting from a recognized institution
• Master’s degree in Business Administration or its equivalent from a recognized institution will be an added advantage; and
• Chartered Institute of Marketing diploma (CIM)
• Member of Associate of Kenya Institute of Bankers (AKIB) or its equivalent professional body.
• Ability to write complex letters, comprehensive reports and to perform complex calculations.
• Excellent communication and interpersonal skills;
• Strong people management skills;