Branch Manager at Bridgemead Consulting

Responsibilities

• Develop and execute branch business strategies to achieve set financial targets.
• Drive deposit mobilization, credit growth, and revenue diversification initiatives.
• Expand the branch’s customer base and market share through proactive marketing and partnerships.
• Promote cross-selling of bank products and services to enhance customer value.
• Supervise loan processing, disbursement, monitoring, and recovery activities.
• Maintain a healthy loan portfolio by ensuring PAR (Portfolio at Risk) remains below 5%.
• Enforce compliance with credit policies, risk assessment standards, and CBN regulations.
• Identify, evaluate, and mitigate operational and credit risks across branch activities.
• Oversee all daily branch operations, including cash management, account opening, and service delivery.
• Ensure strict adherence to AML/CFT, KYC, and other regulatory and internal control standards.
• Implement and monitor operational policies to ensure efficiency and accountability.
• Liaise with auditors, regulators, and stakeholders to maintain a positive compliance record.
• Lead, coach, and develop branch staff to achieve individual and team performance goals.
• Conduct regular team meetings to review targets, performance gaps, and improvement plans.
• Support HR processes including recruitment, onboarding, appraisal, and discipline.
• Foster a culture of teamwork, accountability, and continuous improvement.
• Ensure excellent customer service delivery and prompt resolution of complaints.
• Build and sustain strong relationships with key customers and community stakeholders.
• Track branch financial performance and prepare timely weekly and monthly reports.
• Analyze variances and recommend corrective actions to achieve set goals.
• Identify opportunities for operational improvement and digital transformation.

Key Performance Indicators

• Loan Portfolio Growth – Achieve ≥ 90% of annual branch loan disbursement target while maintaining quality lending standards.
• Portfolio at Risk (PAR >30 days) – Maintain PAR ≤ 5% of total loan portfolio.
• Deposit Mobilization – Achieve ≥ 90% of monthly and annual deposit mobilization targets.
• Profitability – Ensure the branch meets or exceeds its monthly and annual profitability targets.
• Customer Retention Rate – Maintain ≥ 85% customer retention through excellent service and relationship management.
• Regulatory & Policy Compliance – Ensure 100% compliance with CBN regulations, internal policies, and audit standards.
• Internal Control Effectiveness – Maintain > 90% compliance in all internal control and audit reviews.
• Operational Efficiency – Ensure all customer transactions (loans, deposits, withdrawals) are processed within established turnaround times (<5 minutes for cash transactions).
• Delinquency Management – Achieve ≥ 95% loan recovery on performing accounts and manage delinquent accounts effectively.
• Financial Reporting Accuracy – Ensure ≥ 99% accuracy in daily, weekly, and monthly financial and operational reports.
• Reporting Timeliness – Submit all required reports (financial, operations, risk) 100% on or before deadline.
• Risk Management & Mitigation – Maintain > 90% adherence to risk management protocols across all products and services

Qualifications and Requirements
Education:

• Bachelor’s degree in Business Administration, Finance, Economics, or related field (MBA is an added advantage).
• Must have 5–7 years of banking experience, with at least 3 years in a supervisory or managerial role.
• Strong knowledge of banking operations, credit management, and regulatory frameworks.
• Proven leadership, analytical, and interpersonal skills.

Key Skills:

• Strategic Thinking & Planning
• Executive Leadership & Team Management
• Effective Communication & Presentation
• Analytical & Problem-Solving Ability
• Change Management & Adaptability
• Change & Transformation Leadership
• Negotiation & Conflict Resolution
• Emotional Intelligence & Empathy
• Time Management & Organization
• Attention to Detail & Accuracy
• Confidentiality & Discretion
• Collaboration & Stakeholder Engagement

Competencies:

• Strategic thinking and decision-making
• Leadership and team management
• Business development and negotiation
• Risk assessment and compliance oversight
• Customer-centric mindset
• Communication and problem-solving skills