Branch Manager Karatina

JOB SUMMARY

Preferred QualificationUniversity degree in a relevant discipline, post graduate qualifications will be an added advantage.Preferred ExperienceAt least 5 years Banking / Financial Services experience out of which at least 3 years in branch management with good track record of performancePrior experience in the banking industry; including experience in supervisory or managerial positionsKnowledge and SkillsStrong leadership, managerial, and interpersonal skills necessary to effectively lead and motivate teams, collaborate with stakeholders, and drive change within the branch.Strong leadership and Managerial Skills.Demonstrate effective communication skills, problem-solving abilities, and the capacity to motivate and develop staff.A solid understanding of financial products and services offered by the bankknowledgeable about lending procedures, investment options, regulatory compliance, risk management, and customer relationship management.

RESPONSIBILITIES

Business Growth – 60%Implement business strategic initiatives, create ownership of the branch performance targets. Agree branch execution plans/strategies and ensure they are aligned to the Banks overall strategy- Growth, Transformation and Returns.Diligently monitor branch business performance and make adjustments to the execution strategies accordingly.Manage branch portfolio risks in line with the bank’s portfolio appetite.In conjunction with the Regional manager and products development, conduct product review and product development through constant feedback from the market.Collaborate and coordinate the development and implementation of sales initiatives with other business functions such as CIB, Asset Finance, Bancassurance, Lead generation team to maximize on cross selling opportunitiesConduct market intelligence to identify new market opportunities, customer trends, existing geographical strength, emerging government directives and changes in policy by regulators.Manage borrowing and non-borrowing accounts in the branch to enhance customer loyalty and retention.Harness existing staff potential and create new competencies in order to achieve competitive advantage.Lead the branch team to achieve its customer retention objectives, Transaction migrations from the counter to alternate channels, balance sheet growth goals and acquisitions. Support will include Achieving branch sales targets as well as participating and leading  sales activationsEstablish firm relationships with Top 200 clients and business influencers in the local area.Provide regular feedback to staff (individual/corporate) on performance (Sales, NPS etc.).Provide clear direction and guidance to branch staff on business objectives, translating and prioritizing them into business performance measures at branch level.Ensure proper controls, processes & procedures are adhered to at all times as per the laid down Absa bank policies.At all times, ensure branch is opened and closed as per the approved regulatory timelines. Operations staff are ready and equipped to serve customers. This includes opening and closing branch batch on the core banking system.Branch must maintain the look and feel as per the Absa bank standards.Ensure that Absa Bank’s policies are adhered to at all times when handling different products and solutions. Ensure adherence to all KYC & AML processes with regards to New to Bank business and acceptable TAT/Accuracy is observed at all times.Ensure all relevant system reports are printed, appropriately reviewed, signed off on timely basis and filed as per Absa Records Management policy.Ensure you and your team remain alert to the risk of financial crime and assist in the Banks efforts in combating it by adhering to the key principles in relation to: positively identifying your customers, knowing your customer, reporting suspicions, obtaining correct supporting documents in regard to LCT/OTT/FX Trades, safeguarding records and not disclosing suspicions to customers.In conjunction with the Branch Operation Lead - BOL, you are responsible for strict cost management in the branch by reviewing all service provider quotations before the work can proceed. In addition, BOL must conduct  regular reviews of the following cost elements:Branch expenditure.Equipment maintenance.Overtime approvals.Stationery consumption, telephones, electricity, water, travel etc.Staff costsSundry lossesEnsure compliance with operational, Security, controls and process risks requirements to avoid losses and prevent fraud arising from operational lapses and to protect Bank and customer assets.Ensure that the branch achieves a minimum of Satisfactory audit rating through continuous assessment and prompt closure of all audit exceptions sightedEnsure that relevant approvals for all transactions are sort at all times as guided in the laid down policiesInternal Controls, Governance, Processes & Procedures - 15%Ensure proper controls, processes & procedures are adhered to at all time as per the laid down Absa bank policies through the BOL.At all times, through the BOL, ensure branch is compliant with all regulatory requirements i.e. opened and closed within the approved regulatory timelines, all approved licenses are in place and up to date etc.Ensure that Absa Bank’s policies are adhered to at all times when handling different products and solutions. Ensure adherence to all KYC & AML processes with regards to New to Bank business and acceptable TAT/Accuracy is observed at all times.Ensure all relevant system reports are printed, appropriately reviewed, signed off on timely basis and filed as per Absa Records Management policy.Ensure you and your team remain alert to the risk of financial crime and assist in the Banks efforts in combating it by adhering to the key principles in relation to: positively identifying your customers, knowing your customer, reporting suspicions, obtaining correct supporting documents in regard to LCT/OTT/FX Trades, safeguarding records and not disclosing suspicions to customers.Responsible for strict cost management in the branch by reviewing all service provider quotations before the work can proceed. In addition, BOL must conduct  regular reviews of the following cost elements:Branch expenditure.Equipment maintenance.Overtime approvals.Stationery consumption, telephones, electricity, water, travel etc.Staff costsSundry lossesEnsure compliance with operational, Security, controls and process risks requirements to avoid losses and prevent fraud arising from operational lapses and to protect Bank and customer assets.Ensure that the branch achieves a minimum of Satisfactory audit rating through continuous assessment and prompt closure of all audit exceptions sightedEnsure that relevant approvals for all transactions are sort at all times as guided in the laid down policies.Ensure all fees and commissions due to the bank are collected.Drive quality sales through actioning of unfunded accounts, uncollected credit cards and delinquency.Ensure Data privacy policies are adhered to at the branch at all times.Customer Experience- 15%Branch must maintain the look and feel as per the Absa bank standards.Ensure excellent customer experience is maintained at all times.Ensure set TAT is achieved at all times.Appraise and promptly act on customer issues /complaints escalating as necessary to ensure timely resolution.Ensure set TAT on response to customer queries on phone, email or by letters is strictly adhered to.Ensure customer data is up to date.Ensure branch NPS score are maintained as per the set standardsCo-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise leadership for improvementsProvide leadership around customer experience at the branchMonitor the counter service to ensure customers are served within acceptable waiting time.Capacity Building & People Management - 10%Have no repeat audit findings and do snap checks within SLAEnsure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Barclays Policies and Policy Standards. Understand and manage risks and risk events (incidents) relevant to the role.

REQUIRED SKILLS

Cash management (company), Business to Business (B2B) sales, Active directory (AD), Budgeting, financial planning

REQUIRED EDUCATION

Bachelor's degree