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Job description
Key Responsibilities
Oversee Daily Branch Operations
Ensure smooth and efficient running of all branch activities and services.
Monitor compliance with operational procedures and internal controls.
Drive Business Growth
Develop and implement strategies to increase loans, deposits, and customer acquisition.
Identify new business opportunities within the branch's area of operation.
Manage Credit and Loan Portfolio
Evaluate loan applications and ensure proper credit assessment procedures are followed.
Monitor loan performance and minimize portfolio-at-risk and default rates.
Lead and Supervise Branch Staff
Assign duties, provide guidance, and monitor employee performance.
Conduct staff training, coaching, and performance appraisals.
Ensure Excellent Customer Service
Build and maintain strong relationships with clients.
Address customer complaints and resolve issues promptly and professionally.
Ensure Regulatory and Policy Compliance
Ensure adherence to institutional policies, financial regulations, and risk management guidelines.
Prepare for audits and implement recommendations where necessary.
Monitor Financial Performance
Track branch budgets, revenue targets, and profitability indicators.
Prepare periodic financial and operational reports for management.
Manage Risk and Portfolio Quality
Identify operational, credit, and fraud risks within the branch.
Implement measures to safeguard institutional assets and customer funds.
Promote Credit Products and Services
Market loans, savings products, and other financial services to existing and potential clients.
Organize community outreach and business development activities.