Job Description

The Branch Manager is responsible for all of the functions of a branch office and these include but not limited to; maintaining a sufficient branch staff plan; approving loans and developing strategies to grow savings and quality loan portfolios; building a rapport with the community in order to attract business and assisting customers with account problems; maintaining an effective branch budget and ensure that the branch is in compliance with the bank policies and procedures. A branch manager is also responsible for making sure that the branch's goals and objectives are met in a timely fashion.

Duties and Responsibilities

• Ensures that the branch office is properly staffed and that the staff are trained to meet customer service needs as well as sales objectives.
• Champion the delivery of a superior customer experience across all service delivery points of the branch.
• Basic Financial Analysis - ability to interpret income statement, balance sheet, cash flow statement and financial ratios.
• Business acumen - ability to spot opportunities and optimize revenue generation for the business
• Implements strategies to achieve goals assigned to the office as established in the Bank’s overall strategic plan; assists in the development of the annual budget for the office and adheres to budget parameters.
• Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements; ensures that the office and all personnel adhere to the same.
• Keeps personnel informed of pertinent policies and procedures affecting the office and/or their jobs; creates an atmosphere in which upward communication from employees is encouraged.
• Boost branch staff morale through counselling and creating a conducive work environment as well as monitoring staff discipline.
• Review staff performance and make appropriate recommendations as well as coach branch staff to achieve required performance level.
• Ensure that an effective control structure is maintained, with control activities defined at every level and duties appropriately segregated and recommend revision of internal controls where appropriate, to address new or previously uncontrolled risks.
• Maintain a healthy balance of deposits portfolio on individual, MSME, and Corporate deposits; ensure growth of liabilities business including transactional, alternate and direct banking business.
• Ensure that dual controls and levels of authority and limits of access to information/systems are adhered to
• Provides periodic reports to the Regional Manager (BM) or as may be assigned, and other groups as required throughout the Bank.
• Plan and monitor daily cash requirements of the branch; ensure high-quality service by efficiently managing, developing and using all available resources (i.e. staff, systems and processes)
• Manage and ensure overall operational readiness/efficiency of branch infrastructure (including, premises, assets, physical security, opening/closing procedures and operational issues such as fraud, losses and differences

Qualifications and Experience

• Diploma or Bachelor's degree in Finance, Banking, Economics, Business Admin, Marketing, or related fields
• 4 years of relevant experience, 2 years in branch management in a financial institution (microfinance institution), with exposure to lending practices and deposit mobilisation most desired.
• Strong managerial skills and experience
• Fluency in English required, Shona and Ndebele language proficiency is beneficial
• Proficiency with Microsoft Excel, Word, and Power Point, Banking Systems, Social Media Platforms.