Main Duties:

• Ensure Branch profitability through growth of loans and commissions.
• Business planning and growth (deposits and loans) as well as customer growth and retention
• Management of risks- ensure internal controls, physical security of cash and ensure overall adherence to the laid down policies at his/her Branch.
• Implementation of the staff targets and ensuring that the Branch targets are met.
• Staff Management- maintain staff discipline, supervision, training, coaching and development.
• Ensure that all required branch reconciliations are done accurately and in a timely manner.
• Ensure Good Customer Service at the branch at all times to ensure member satisfaction and retention.
• Assist the marketing team to identifying and forwarding customer need to aid in developing attractive products & Services.
• Enhancing loan recoveries to ensure low Branch PAR
• Controls the utilization of and ensuring proper maintenance and custody of all assets at the branch.
• In liaison with operations/ finance department, ensure adequate branch liquidity and that there is enough cash at all paying points.
• Management information reporting and integrity
• Profit improvement and cost management.

Minimum qualification and experience required:

• Undergraduate University Degree in a related field
• Minimum 5 years’ working experience in a Banking environment, with demonstrated achievements in Business development, Branch Operations, Credit Management, 3 of which should be at a management level.
• Proficiency in computer use including MS Office tools and banking systems, preferably T24
• Knowledge of Banking and Business Operations: Well round knowledge of ALL the Bank’s operations and processes and excellent knowledge of Bank policies and procedure
• Risk Management: Ability to anticipate and mitigate risk by implementing appropriate Risk Management Policies for the Bank
• Audit Standards and Legislations: Good knowledge of International Accounting and Audit Standards, and Legislations
• Compliance and Regulatory Framework: Top notch understanding of the regulatory issues, reporting and operational requirement as provided by CBK, KRA, KIB, etc.
• Conceptual and Analytical Skills: Ability to quickly grasp and understand systems and keen to detail.
• Technology Skills: Knowledge of computerized banking applications and spreadsheets
• Credit Skills- Good Knowledge of personal and business credit underwriting and portfolio management.