Bridge Talent Management Branch Manager – Microfinance Jobs in Kenya
Job Purpose
Overall supervision of the Branch. Including Credit decisions within the delegated authority, recoveries, and Operations. To ensure that the laid down internal controls are adhered to, and to achieve the overall objective set out in the strategic plan.
Key Responsibilities
Overall Branch Development and Management:
Involved in handling customer inquiries and providing financial solutions and advice, Maintaining the appearance of the Branch.
Maintaining superior customer service which is one of the main competitive edges.
The new strategy we are adopting will mainly focus on MICRO SME/ Economically active Individuals and Business segments. We will focus on low-cost deposits and concentrate on schematized loans where the margins are high, and our channels will concentrate on providing superior customer service to our clients.
Presently, the processing of lending facilities is centralized. Branches are given specific lending, and deposit targets along with the required deposit mix. Also, Branches are required to cross-sell the Bank’s products aggressively. To maintain a cross-sell ratio of a minimum 3 products on asset clients, with a focus on increasing wallet share
Provide strategic leadership to the Branch Team
By inspiring staff through creating a culture of openness and fair play.
To recognize the achievement and good work and evaluate performance.
To regularly engage with the Business Head along with other key stakeholders of the branch team by providing them adequate guidance and training relevant to MICRO lending, Customer service and Branch operations to upgrade their job knowledge and technical know-how where appropriate.
Coordinate their activities, set performance targets and monitor their overall performance to meet the branch set PBT targets.
Ensure staff comply with policies, procedures, code of conduct and always maintain required discipline.
Quality branch operations:
To ensure that all operational/ credit policy and procedure manuals are followed up/ adhered to by the staff and the necessary internal controls are implemented. Should have oversight into the Operational activities of the branch to ensure that the Operational risk is managed diligently.
Regular dialog should be maintained with the branch Customer Service / Operation Officer on operational activities
Branch cash holding is managed in a prudent manner and within the Insurance cover.
Surprise checks are carried out as stipulated in the process guidelines.
Random checks are performed on physical and Infra security.
Responses for Branch Network Management and IAD findings should be done in a timely manner.
Ensure that Key holding and changes are prudently controlled and managed. The key register should be updated in real-time.
Asset Portfolio Management:
Credit Evaluation
Active involvement with the branch BDO and the Head Office Credit Analyst in evaluating a client based on the following criteria.
Identifying a potential facility lead and initiating the first conversation to understand the requirement.
Subsequent client visits to understand the business and the operating model
Active involvement in processing the correct facility structure to the client, whilst mitigating possible structural, financial and credit risks to the bank
Seek collateral to secure exposures including monthly cash build-ups, sinking funds where appropriate.
Active engagement with the Head Office Credit Analyst and the DA holders to understand the facility and help the approval process
Consistent engagement with the client from the date of initiating facility until disbursement to have a seamless communication flow.
Post Monitoring
Periodic visits- All clients with facilities above 10 Mn are to be visited on a monthly basis and between 10 Mn to 5 Mn are to be visited once in 2 months, Visit reports are to be filled.
Portfolio Cleansing – Precautionary measures to detect any future losses whilst carrying out reviews and act proactively if deteriorated financial position, collateral cover or any other detrimental points are noted. Measures to be taken to term out hard-core working capital facilities, exit clients who do not conform to banks’ risk appetite, take calls on low-utilized facilities and maintain a quality loan book
Covenants & Compliance – To engage with the BDO in tracking of Covenants and conditions. Deviations, non-compliance to the policy are to be identified and tiered to higher approving authority with suitable mitigates and justification.
NP assets- NP ratio to be maintained at 10% or below Interact closely with Branch Business Development officers and Head office credit team to revive non-performing clients.
Customer Experience
Own and drive the customer experience in the branch by ensuring KMB’s way of Customer experience is delivered.
Zero complaints against branch staff from any customer related to unprofessionalism.
To drive the service culture within the branch by encouraging and recognizing exceptional service. Minimum one exceptional service commendation a month to be shared among all staff e-mail groups in KMB.
Implement initiatives to improve customer servicing within the branch
House Keeping
Credit Audit Rating- A minimum of a “Meets Expectations” rating.
Operation Audit- A minimum of a “Meets Expectations” rating.
To ensure that there are “nil” pending reviews at any given time according to the portfolio league table. The following visit plan is to be incorporated mandatory before conducting a review – Business Call Report.
Monitor timely renewal of security documents (Insurances, valuations, security documents, one-off facility documents, cash-backed facility) and maintain nil pending documents at any given time
Perform any other function and duty as may be directed by management from time to time.
Requirements
Must have 5 years of financial services experience, preferably in microfinance banking.
A minimum grade of C+ (plus) in KCSE, an undergraduate bachelor’s degree or a Higher Diploma in a business-related Course from a recognized institution.
Good interpersonal and relationship-building skills.
Attention to detail, good analytical and problem-solving skills.
Ready to comply and live up to and in accordance with the organization’s ideals and core values.
Determined personality with initiative, perseverance and ability to motivate and manage team.
Excellent communication and organization skills
Strong stakeholder management and team player.
Self-starter and ability to work independently to achieve corporate GOALS.
How to Apply
For more information and job application details, see; Bridge Talent Management Branch Manager – Microfinance Jobs in Kenya
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