Branch Manager at CRDB Bank (Burundi)

Branch Manager at CRDB Bank (Burundi)

• To run the branch as a profit center, managing the sales process by acquiring new business, deepening existing customer relationships, and maintaining operational efficiency while providing the appropriate service standards.
• To manage the service of corporate clients in the branch to maximize the benefit accrued to the bank from this segment.
• To ensure risk levels are minimized and acceptable to enhance revenues and profitability of the branch.
• Provide leadership to the branch by identifying talents, coaching, mentoring, and ensuring at all times there is a clear succession plan for your position and other key positions in the branch.

Business Growth

• Manage growth of branch deposits, new accounts opening, non-interest income and retain existing customers within the agreed parameters.
• Manage growth (in number and value) of branch loan portfolio within agreed yardsticks.

Portfolio Quality

• To make lending decisions in line with provided sanction mandates and in compliance to Credit Policy requirements and related directives/ circulars.
• To ensure Portfolio at Risk (PAR) and Non-Performing Loans (NPL) for all loan products are within bank acceptable levels.
• Carry out quarterly thorough credit control self-assessment review based on all borrowers and rectify noted anomalies
• For new loans and/or enhancement above the previously approved limit, ensure that no loan appraisal or proposal is.approved/recommended to the next level without visiting the customer’s business and security. The BM is expected to carry out independent visits to businesses and assets pledged as collateral for the loan and make an objective assessment and comment(s).
• To ensure a visit to each borrower’s business and respective securities at least quarterly, review visit memos, sign off and ensure the visit reports/memos are properly filed in respective customer loan files at the branch.

Credit Documentation

• To ensure that both credit and security documents at the branch are properly executed, perfected, and are kept securely and intact in respective files.
• Ensure all loan accounts have proper and adequate details in the system and all loan products have been properly booked, segmented, and assigned properly to the respective Relationship Manager/Officer.

Recovery and Collections

• To ensure immediate collections/recovery measures are taken when the borrowers show signs of underperformance violates terms and conditions of the loan, or the business experiences distress or crisis.
• Recovery of charged-off credit facilities and providing local support to Special Assets Management Unit on their visit to the branch.

Branch Financial and Internal Controls

• Ensure the branch financial performance is always consistent with business objectives and profit is achieved within agreed projections
• Ensure that the branch Expenditure is well managed within the approved budget and that all expenses are authorized.
• Ensure risk and management controls laid down at branch level are at all-time adhered and all deviances are timely reported.
• Review and act on MIS reports.
• Report any suspicious transactions as per the procedure and whistle blow any suspicious activity as per the whistle blowing policy.
• Ensure compliance with CRDB polices and standards, local laws and regulations, controls, process and procedures of the bank.

Customer Relationship Management

• Ensure the services delivered at branch meet customers’ satisfaction (TAT) by building up team spirit and customer orientation through CRDB Values.
• Manage, oversee and resolve all requests, queries and complaints that arise customers (internal and external) at acceptable TAT.

Leadership

• Manage staff performance management, relations and development (coaching, succession planning and mentoring) at branch level according to approved Human Resources Policies and procedures.

External Stakeholders Relationship Management

• Representing the branch and maintaining relations with all external stakeholders (local authorities and the local business communities) in consultation with the zone office and the management.
• Ability to convert business objectives into operational and acceptable results.
• Build relationship with new and existing customers.
• Active participation in the Retail Banking strategy.

 People Management

• Manage and develop people to achieve organizational objectives as well as individual staff objectives.
• Balance between task and people management in the Branch.

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