About this role
Section: Job Summary Manage the Branches within the Area, providing support to staff and ensuring that both short-term and long-term goals of the Area are achieved. Ensure strong portfolio growth, superior loan quality, strong client service, good employee morale and profitability. Strengthen profitability of the Area by developing and servicing clients directly. Ensure that the Area maintains up-to-date, accurate records and generates necessary reports on time. Plan and coordinate an efficient work flow and financial budget for the Area
Section: Responsibilities staff. . Maintain a high standard of cleanliness and discipline within the Area and ensure that all staff members are performing according to expectation. . Ensure the Area work flow is efficient and well-defined on a weekly and monthly basis. . Ensure that all Area staff follow and implement policies and procedures. . Spot-check approved applications. . Set performance goals with Area staff and monitor performance per procedures for all Area staff. . Implement the performance management system at the Area level. . Ensure that the Area maintains neat, up-to-date and accurate client records. . Organize and maintain neat, up-to-date and accurate files regarding performance of each Area staff member. . Ensure that all approved loans in the Area are disbursed timeously and accurately. . Ensure that all savings accounts are promptly opened with proper documents . Ensure that all assets of the Area are protected at all times and that the Area ambience is within the acceptable standard Area Reporting . Prepare and submit Area portfolio and other financial reports timeously on a regular basis. . Complete summary Area reports of supervision and monitoring activities and findings timeously on a regular basis. . Coordinate the activities of the credit committee for loan applications pertaining to his/her Area. . Chair the credit committee for loan applications pertaining to his/her Area within his/her authority level. . Ensure all documentation and requirements are complete prior to loan approvals. . Ensure quality of analysis by all Branch Managers/Account Officers in the Area . Ensure that the loans and savings portfolio growth matches the Area Budget. . In cases where the rate of growth is below the Budget, the Area Manager should provide adequate explanation for the deviations and advise the Chief Commercial Officer on the most appropriate corrective measures. . Meet and build rapport with all Area staff, business/market associations and other relevant organizations in the area’s zone on a regular basis. . Monitor business progress, provide assistance, demonstrate concern, and build loyalty among the business/market associations and clients.
Section: Requirements . Bachelor’s degree or equivalent in Business, Banking, Finance, Accounting or related fields with numerate coursework. . Minimum of 3 years’ experience as a Area Manager or Branch in a Reputable Microfinance or Commercial Bank . Ability to empathize with the need of micro, small and medium-sized businesses . Proficiency with Microsoft Office Suites- Excel, Power Point, Word and Others . Strategic Business Development and Portfolio Management Must Reside within Yola and Kano Environ