Branch Manager at Skills Global

• The Branch Manager is responsible for overseeing the day-to-day operations of the branch, including the development of business plans, achievement of sales goals, delivery of excellent customer service, revenue increase through lending activities, and management of Collections in the branch

Key Responsibilities

Branch Management

• Identify and implement action plans and regularly track and review performance to ensure the achievement of set targets.
• Achieve monthly targets set for the branch.
• Lead and manage collections to ensure PAR (Portfolio at Risk) is maintained within acceptable levels.
• Lead and direct the development and implementation of the branch’s strategic plan and budgets.
• Prepare and submit daily, weekly, and monthly reports to management.
• Ensure client files are in safe custody and maintain safe custody of branch assets.
• Supervise activities in the branch to ensure they are carried out in accordance with the laid-down procedures and policies.

Relationship Management

• Meet regularly with branch customers, including important/high net worth customers, to assist in business growth.
• Promote a high level of customer service culture among branch staff for potential acquisitions.
• Maintain sound relationships with all new clients and existing clients to increase retention rate.

Marketing and Disbursement

• Achieve loan disbursement targets set for the branch.
• Proactively market and generate business through individual client recruitment on disbursement.
• Stimulate branch growth through the marketing of the institution’s products and recruitment of new clients. Cross-sell all products and services to both existing and potential clients.
• Ensure all data is properly keyed into the system on time.
• Monitor loan approvals and the loan status of the branch, including disbursements, repayments, and appraisals.
• Responsible for loan appraisals and recommendations as per policy.

Risk Management:

• Manage delinquency to maintain portfolio quality at acceptable levels. Monitor portfolio quality daily and proactively institute remedial actions.
• Oversee the credit risk framework, implement credit strategies, policies, and procedures in line with the institution’s corporate strategy and ensure compliance.
• Maintain a high-quality portfolio by ensuring on-time loan payments and being zero-tolerant to arrears.

Human Capital

• Responsible for recruiting branch staff in liaison with the HR department.
• Ensure that staff members in the branch are acquainted with and adhere to the company policies and procedures.
• Lead the branch to high-performance standards through proper supervision of staff and maintenance of a healthy loan portfolio.

Legal Issues

• Support handling legal matters that arise in the course of work, as the case may be.
• Attend court sessions and organize witnesses.
• Any other duty assigned to you by Management.

Requirements

• Bachelor's Degree in any field.
• 5 years of experience in a similar role within the financial services sector.
• Strong numerical aptitude, capable of working with data, conducting analysis, and effectively communicating results.
• Exceptional analytical skills, encompassing both quantitative and qualitative abilities.
• Preferred experience in a commercial debt recovery environment.
• Proficiency in IT skills and essential knowledge.
• Sound judgment to balance commercial debt recovery and compliance risks, aiming for positive outcomes.
• Demonstrates the highest professional standards.
• Exceptional interpersonal skills, fostering supportive relationships throughout the organization.
• Outstanding communication and leadership skills with the capacity to influence at all levels.
• Excellent organizational skills.
• Capable of multitasking, managing time effectively, and maintaining composure under pressure.