RequirementMinimum Of 3 Years Previous Or Current Experience As Branch Manager In A Leading Microfinance Bank With Hands-on Skills And Verifiable Results In: • Loan And Deposit Portfolio Management • Team Management • Internal Control • Branch Administration
Job Description
Loan and Deposit Portfolio Development
• Develop the overall branch loan and deposit portfolio (both in terms of quantity and quality), • To organize prospecting and communication actions in the intervention area of the branch (markets and commercial areas) by assigning tasks and targets to client officers so that objectives and targets are met in a timely manner (qualitative and quantitative results both on deposit and lending sides), and by participating personally in such actions notably when they involve market authorities, representatives of association or other informal group leaders among clientele • Ensuring high quality of loan and deposit portfolio by actively participating in credit committees and taking decisions according to approval limits • Supporting Client Officers in keeping a low level of loans in arrears and default. • Monitoring the loan portfolio by regular field visits, pre- and post-disbursements, with and without Client Officers • To follow the timely repayments by using the ad-hoc reports, and to organize, participate in and follow up results of recovery actions in case of late repayments
Internal Control
• To make sure, through regular controls, that loan applications and loan appraisals are processed by client and client officers according to the company’s standard (cf. policies, procedures and guidelines), with special regard to completeness of documentation (both for paperwork and for data processing in the Management Information System – MIS) • Regular 2nd level controls have to be processed to reach this target.
Staff Management
• Manage branch Team, mainly on the loan side but also on the deposit side. Participating in the process of definition of commercial targets and ensuring understanding by Officers. • Coaching new branch staff as well as continuous improvement of the capacity of existing branch staff in line with Advans LFMFB credit policy methodologies and best practices • Giving feedback and appraise branch staff • Communicating new procedures, manuals and price list in a proper way to the staff • To monitor the results of commercial development activities, analyze them with officers and to propose corrective actions or new initiatives that may support the achievement of objectives
Generic Activities.
• To identify clients’ needs in term of credit, deposit and propose new products/services to the branch manager and/or the management of the company (field visits, regular meetings with commercial staff) and to maintain on-going market intelligence activities with special attention to competition • Ensuring a good communication and work-flow between Branch Manager and the branch staff. • Ensuring an active participation in weekly meeting to ensure smooth function of the work-flows in the branches • Performing other duties and tasks requested by immediate supervisor in accordance with bank’s regulations
Interested and suitably qualified candidates should click here to apply online.
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