JOB DETAILS:
To provide leadership and overall direction of business growth in the region/assigned branches, oversee the growth of quality loan portfolio and deposits, while maintaining a balance between social and financial goals.

Key Result Areas:
1. Business growth (Sales management and Customer satisfaction
• To supervise and control implementation of the regional growth strategy and expansion plans in line with the approved budget and timelines

• To personal sales activities targeting high end potential customers (SMEs, Corporates, Cooperatives, etc)
• To conduct visits to existing and potential customers in order to understand customer expectations, complaints and areas of improvement

• To ensure that branches are optimally staffed in line with the budget and growth strategy
• In conjunction with the branch managers and marketing unit, plan and supervise execution of sales activities in the region in order to achieve regional performance targets.

• To ensure that all staff members in the region have a clear understanding, acceptance and are able to communicate the bank’s policies and procedures

• Ensure that all staff members in the region have a clear knowledge and understanding of the banks products and service.
• Ensure that all staff in the region are trained on sales and apply sales techniques when interacting with potential and existing customers.

• To ensure that all branch premises in the region are well maintained in line with the branch-maintained standards.
2. Internal Controls and Portfolio Quality (Ensuring Compliance, Spot checks, Loan approvals, Knowledge management)

• To manage the loan asset quality of the region ensuring that all branches meet their respective asset quality thresholds.
• On a bi-weekly basis to chair loan recovery committee meetings for branches where PAR30D is above 5%
• Conduct regular spot checks to branches as follows;

1. Participate in at least 2 credit committees below his/her approval limit per month per branch in the region
2. Have at least 1 customer or group visit per month per branch in the region
3. Perform at least 5 policy knowledge interviews with staff in a month
4. Perform at least 1 cash snap check per month per branch
5. Verify that all head office communications have been properly communicated and cascaded to the staff
• Ensure that branch manager responds adequately and timely to all findings in the audit report
• Review audit reports with the branch managers and submit responses to CRO.
• Ensure that resolution plans for each finding are created in an audit tracker/follow up strategy for BM, RM and Management.
• Ensure that all findings are resolved according to the action plan and tracker/strategy.
3. Risk Management and Compliance
• Review and discuss specific findings (risk, audit and supervision) with the BM and ensure implementation of the agreed action plans.
• Ensure that all disciplinary actions based on the internal checks and internal audit findings are brought to the attention of HR.
• Escalate all noncompliance issues and suspicious activities to the compliance department.
• Identify risk factors and establish frameworks to mitigate risk in the Department making sure there is a faster mechanism in place to enable quick and early detection and escalation of issues when they arise.
• Ensure compliance with Finance policies and procedures, BOU regulations, budget parameters, and procedures and the risk management framework operational within the Bank.
• Responsible for closure of audit, risk and BOU findings /reports, and helping resolve issues raised as well as ensuring no repeat findings.
4. People Management
• Ensure good understanding and acceptance of the OBUL Mission, Vision and code of conduct among all employees in the region
• Manage directly performance of Branch Managers in the region. Supervise the performance management of other branch staff and participate in the performance management process where necessary
• Recommend to CRO inter branch relocations of the first line staff (teller, banking officers and relationship officers) in order to close gaps and improve efficiency.
• Initiate other regional staff movements (promotion, demotion, transfer, termination, etc) in liaison with HHRM to the CRO for CEO’s approval
• Ensure good team spirit and staff motivation in the branches. Propose and supervise team building activities such as sports among others in order to nature the team spirit.
• Perform coaching and mentoring of the branch managers on leadership skills, staff management techniques and business growth skills.
• Manage success planning in the region by identifying and supporting the development of high potential staff in the branches in liaison with HR
• Ensure that all staff in the region have the necessary skills to efficiently perform their duties. Where there are gaps, identify and communicate training needs to CRO and HHRM
• Participate in the interview and training of staff when call upon and when necessary
• Ensure to communicate/cascade key management decision to all staff in the region
• Recommend staff in the region for confirmation in service
5. Planning reporting and other duties
• Provide daily, weekly and monthly reports to the CRO on the performance of the region and key issues that require the attention of management.
• Develop annual growth strategies and expansion plans based on the market potential and the banks over strategic plan.
• Participate in the development of annual budgets for the region
• Report timely unresolved IT or administration issue to the CRO
• Report all structural issues related to the banking services to the CRO timely.

Qualifications & Experience
• University degree preferably in a business-related discipline. Masters is an added advantage.
• At least 5 years of experience in the banking sector
• At least 3 years of managerial experience

Personal skills and abilities
• Leadership and excellent communication skills
• Advanced people management and motivation skills
• Good understanding of sales management and customer service
• Good understanding of credit and risk management
• Proven report writing and presentation skills
• Good knowledge of Ms. Office. Knowledge of the core banking system is an added advantage.