Branch Managers (Dodoma, Tabora, Kagera, Mtwara) at Coop Bank Tanzania

To run the branch as a profit center, managing the sales process by acquiring new business and 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 on 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 Branch by identifying talents, coaching, mentoring and ensure at all time there is a clear succession plan for your position and other key position in the branch

Responsibilities

RESPONSIBILITIES AND TASKS FOR THE ROLES

TASKS:

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 Coop Bank 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 Coop Bank 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 management

Others

• Perform any other duties as maybe assigned by supervisor

RESPONSIBILITIES:

Business

• 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.

Requirements

Qualifications.

• Bachelor’s Degree or Its Equivalent and at least professional banking certificate
• At least Five (5) years’ experience in leadership, Branch operations and Retail Banking
• Strategic business awareness coupled with clear understanding of Bank’s products, handling and building customer relations.
• Also should be aware with Performance Management and Change management.
• Self-empowerment to enable development of open communication, teamwork and trust that are needed to support performance and customer service oriented culture.
• Communication and Presentation skills, Planning and Organizing skills, Interpersonal and Computer skills, Coaching skills as well as Reporting and analytical skills

Experience Required

• At least four years’ experience in leadership, Branch operations, Retail or General Banking

Knowledge required

• People Management, Selling, Business Awareness in achieving business performance, Performance Management, Networking, Credit Management, Team-working – building and developing high performance, Time Management

Skills

• Communication and Presentation, Interpersonal and Computer skills, Reporting and analytical skills

Education Qualifications

• Bachelor’s Degree or its equivalent and at least professional banking certificate

Skills Required

• Communication Skills, Team Working, Problem Solving, customer service, organizing and time management skills
• Team work
• Communication Skills