Branch Manager (Micro Finance Bank) at PrisDav Consulting

Job Responsibilities

• Promotion of the Banks’ products and origination of new clients.
• Driving of loan officers towards achieving 100% targets.
• Ensuring a very high portfolio quality. PAR must not be greater than 2.5%.
• Frequent reports; daily, weekly, and monthly on the achievement of the Branch as it relates specifically to KPIs.
• Frequent visitation to all customers for either initiating new loans or identifying causes of delinquency. Verification of the intending Borrowers and their Guarantors are essential.
• Train and supervise the Branch staff so that they follow the internal processes and procedures in order that the bank has an efficient and effective workforce.
• Provides effective and efficient report of the operations activities, and portfolio status at the branches to management for analysis and decision-making.
• Ensure that the branch maintains up-to-date accurate records and generates the necessary report on time.
• Support the handling of customers’ complaints according to the different levels of authorization.
• Participate in branch expansion, brand management and business development activities in the region.
• Sensitize all Loan applicants on all aspects of the loan program: procedures to apply, the terms and conditions, the incentives for good performance and penalties for default.
• Conduct loan evaluations according to the policies, and procedures of the Bank and develop an accurate assessment of each client’s capacity & willingness to repay the requested loan.
• Ensure an appropriate and capable guarantee is in place for all Credit appraisals.
• Ensure loans are considered and approved by Branch-Level & Area Credit Committee (BLCC & ACC) before disbursement.
• Provide high-quality customer service and resolve complaints within 24 hours.
• Develop a relationship with each client of the Branch to support their business success and cultivate loyalty.
• Manage and recover all due repayments and escalate to the immediate Supervisor of all Borrowers that skips repayment.
• Ensure that no case of fraud or suppression of cash occurs within the Branch.
• Carry out any other ad hoc jobs assigned to you from time to time.

Requirements

• Interested candidates should possess a BSc in a relevant field with 2 - 5 years work experience.
• No particular certification is required but for Loan experience for the BM
• Just productive age brackets (Not too old)
• The BM will be reporting to the Area Manager and Head of Business (by extension).