Branch Operations Manager job at Housing Finance Bank

Background

Housing Finance Bank is the leading provider of housing finance solutions with a vision to be the preferred consumer and business bank with a focus on housing finance. To attain its strategic objectives efficiently and effectively, Housing Finance Bank is seeking to hire a qualified, versatile, and self-driven individual for the position stated below.

Department: Distribution & Alternate Channels

Reports To: Branch Manager

Job Grade: HFB 5B

Direct Reports:

• Direct - Back Office Posting Officers
• - Tellers
• - Customer Service Officers
• Indirect - Direct Sales Officers
• - Office Assistants

Interacts/Interfaces with:

• Internal - All staff
• External - Bank Customers
• - Service providers

Job Purpose:

To monitor, coordinate and implement branch operations processes in line with regulatory frameworks and Bank policies and procedures.

Key Result Areas:

• Process customer instructions to achieve the required customer service standards as defined in the customer service charter.
• Develop strategies for eliminating incidents of fraud and forgeries in accordance with the operational risk framework.
• Monitor all non-performing assets/loans in arrears within the specified operations procedures and Credit Policy.
• Authorize all cash transactions above teller limits, back office transactions and front-office postings/customer instructions within the acceptable turnaround time and set approval limits.
• Provide safe custody of all branch keys and stamps in line with set guidelines.
• Generate periodic branch performance reports for review by senior management in line with HFB policies and procedures.
• Monitor the implementation of branch processes and procedures in line with Bank policies and procedures.
• Check all bank transactions for accuracy and compliance with KYC procedures and authorize them before being posted onto the bank system in line with set policies and procedures.
• Plan, review and monitor staff development and performance initiatives for branch staff under your supervision in line with existing human resource policies.
• Review and recommend Retail Banking loan and overdraft facilities for approval and undertake the recovery of amounts on overdrawn accounts in line with set guidelines.
• Daily reconciliation of suspense accounts and submission of monthly reports to the respective user as defined in the operations manual.
• Verify all instruments for BoU clearing and supervise postings to BoU settlement account.

Financial Responsibility:

• Monitor branch staff leave to manage leave liabilities in terms of provisions.
• Monitor non-performing assets and overdrawn accounts.
• Monitor cost income ratio of the branch

Person Specification

Education & Training:

• A Bachelor’s Degree from a recognized university, preferably in Accounting, Finance, Commerce, Marketing or Statistics.

Skills & Experience:

• Should have at least four years’ progressive experience in branch operations, with proven experience in managing all associated risks.

Business Behaviours:

• Should have good industry knowledge and leadership skills with demonstrated competencies in championing customer focus.
• Should have excellent coordination and organizational skills.
• Ability to exercise the highest level of integrity and confidentiality.

• Process customer instructions to achieve the required customer service standards as defined in the customer service charter.
• Develop strategies for eliminating incidents of fraud and forgeries in accordance with the operational risk framework.
• Monitor all non-performing assets/loans in arrears within the specified operations procedures and Credit Policy.
• Authorize all cash transactions above teller limits, back office transactions and front-office postings/customer instructions within the acceptable turnaround time and set approval limits.
• Provide safe custody of all branch keys and stamps in line with set guidelines.
• Generate periodic branch performance reports for review by senior management in line with HFB policies and procedures.
• Monitor the implementation of branch processes and procedures in line with Bank policies and procedures.
• Check all bank transactions for accuracy and compliance with KYC procedures and authorize them before being posted onto the bank system in line with set policies and procedures.
• Plan, review and monitor staff development and performance initiatives for branch staff under your supervision in line with existing human resource policies.
• Review and recommend Retail Banking loan and overdraft facilities for approval and undertake the recovery of amounts on overdrawn accounts in line with set guidelines.
• Daily reconciliation of suspense accounts and submission of monthly reports to the respective user as defined in the operations manual.
• Verify all instruments for BoU clearing and supervise postings to BoU settlement account.
• Monitor branch staff leave to manage leave liabilities in terms of provisions.
• Monitor non-performing assets and overdrawn accounts.
• Monitor cost income ratio of the branch

• Good industry knowledge
• Leadership skills
• Championing customer focus
• Excellent coordination skills
• Organizational skills
• Ability to exercise the highest level of integrity and confidentiality

• A Bachelor’s Degree from a recognized university, preferably in Accounting, Finance, Commerce, Marketing or Statistics.
• At least four years’ progressive experience in branch operations, with proven experience in managing all associated risks.