Personal Trust is a Microfinance Bank in Lagos and a subsidiary of First Ally Capital Limited (FACL). Formerly known as Personal Trust Savings and Loans, the Bank was registered in 1993 and operated as a Mortgage Bank until its conversion to a Microfinance Bank in 2014. Personal Trust has a branch network at strategic locations in Lagos State and provides banking services to individuals, micro, Small and medium enterprises (MSME).
The Branch Manager is responsible for the development, coordination, supervision, and implementation of operational and business activities in the branch.
The job holder implements strategic plans and drives sales targets and revenue in line with budgetary projections.
Duties and Responsibilities
Ensure high-quality service by efficiently managing, developing and using all available resources (i.e. staff, systems and processes)
To ensure that customers are migrated to more appropriate and cost-effective channels, cross-selling opportunities are identified and actioned based on customer needs.
Proactively identify and assess the risks faced by the branch and reduce the overall exposure by maintaining an effective system of controls.
Ensure the effective rollout of management initiatives to the branch
Maintains a high level of integrity and ethical standards
Manage assets, e.g. cash and cost accountabilities, with emphasis on the containment of controllable costs
Manage and ensure overall operational readiness and efficiency of branch infrastructure (including premises, assets, physical security, opening and closing procedures, and operational issues such as fraud, losses and differences).
Ensure that an effective control structure is maintained, with control activities defined at every level and duties appropriately segregated and recommend revision of internal controls where appropriate to address new or previously uncontrolled risks
Ensure that dual controls, levels of authority and limits of access to information and systems are adhered to
Develop marketing and relationship management plans to achieve responsive sales targets for the centers
Coach the responsive relationship management team on product knowledge,
Monitor and manage the performance and development of subordinates to ensure sustained profitability, compliance with the Code of Banking Practice, internal controls and overall well-being of staff
Prepare a staffing plan to meet service demands in the branches
Prepare periodic reports, including daily, weekly, monthly, quarterly and annual reports
Achieve volume and revenue target
Flexibility to carry out any other task as requested by Management.
Qualifications
HND / B.Sc in Science, Social Science or any other related course
Evidence of completion/ exemption of/from NYSC
Evidence of completion of Microfinance Certification program.
Experience:
Minimum of five (5) years’ experience as a Branch Manager in a bank.
Analytical and practical understanding of workflow, capacity planning / optimization and process implementation
Proven experience of marketing and negotiating techniques
Skills:
Basic Financial Analysis - Ability to interpret income statements, balance sheet, cash flow statements, and financial ratios
Business acumen: ability to spot opportunities and optimize revenue generation for the business
Thorough knowledge of standardized banking products
A good working knowledge and understanding of behavioral credit scoring principles and practices, including an understanding of all SME product
Extensive knowledge of banking regulations
Understanding and application of Best Practice in all areas of Operations with the ability to drive efficiency and effectiveness
Strategy planning and implementation
Strong planning, organizational and time management abilities
Excellent computer skills; experience in financial software, Microsoft Office Suite
Advanced knowledge of regulatory provisions, policies and best practices
Leadership, team management and mentoring
Metrics-driven mindset
Excellent verbal and written communication skills, including ability to effectively communicate with internal and external customers
Proficient in the use of MS Office suite.
Application Closing Date
20th November, 2023.
Method of Application
Interested and qualified candidates should send their CV to: [email protected] using "Branch Manager" as the subject of the email.