Branch Manager-ANSA Bank Limited

The Branch Manager leads overall branch performance, ensuring targets are met, service excellence is delivered, staff are effectively managed, and all operations comply with policies, risk, and regulatory standards.

Branch Manager

Summary:

The Branch Manager is responsible for the overall performance, leadership, and operational effectiveness of the Branch. This senior role ensures the achievement of business targets, delivery of excellent customer service, effective people management, and strict adherence to operational, risk, and regulatory controls in line with Bank policies and procedures.

Duties & Responsibilities:

1. Governance, Accountability & Oversight

• Maintain overall accountability for branch operations in line with Central Bank expectations for effective governance and management oversight.
• Ensure policies, procedures, and regulatory directives are fully implemented, communicated, and embedded within the Branch.
• Act as the first line of defence, ensuring risks are identified, monitored, escalated, and managed appropriately.
• Ensure timely escalation of material issues, breaches, incidents, or control failures to senior management and relevant control functions.

2. Business Performance, Coaching & Development

• Develop and execute the Branch Business Plan, ensuring growth objectives are achieved within the Bank’s risk appetite.
• Deliver branch sales and service targets while ensuring fair customer outcomes and adherence to conduct risk standards.
• Review and approve credit applications to confirm policy compliance, completeness of documentation, and appropriateness of recommendations.
• Ensure sales practices are ethical, transparent, and aligned with customer needs, avoiding mis-selling or unfair treatment.

3. Customer Service & Relationship Management

• Maintain oversight of critical branch operations, including vault management, cash handling, ATM controls, and negotiable instruments.
• Conduct periodic and surprise control checks to validate adherence to procedures.
• Ensure timely reconciliation, review, and resolution of operational exceptions.
• Report losses, near-misses, and control failures via formal incident reporting mechanisms, in line with regulatory expectations.

4. Operational Risk & Internal Controls

• Maintain oversight of critical branch operations, including vault management, cash handling, ATM controls, and negotiable instruments.
• Conduct periodic and surprise control checks to validate adherence to procedures.
• Ensure timely reconciliation, review, and resolution of operational exceptions.
• Report losses, near-misses, and control failures via formal incident reporting mechanisms, in line with regulatory expectations.

5. Compliance & Regulatory Oversight

• Ensure full compliance with AML/CFT laws, regulations, and Central Bank guidelines.
• Oversee customer due diligence, KYC verification, Source of Funds documentation, and ongoing monitoring.
• Ensure suspicious transactions or activities are promptly escalated to the Compliance function.
• Ensure secure maintenance, retention, and confidentiality of customer records.
• Monitor exception and compliance reports and ensure corrective actions are taken

6. Credit & Portfolio Monitoring

• Conduct ongoing monitoring of retail and commercial credit portfolios to identify early warning signs of deterioration.
• Take proactive action to mitigate delinquency and ensure timely escalation of high-risk exposures.

7. Enterprise & Change Initiative

• Support enterprise-wide projects, system enhancements, and process improvements through collaboration with cross-functional teams.
• Champion change initiatives to improve customer experience, operational efficiency, and regulatory compliance.

8. Regulatory Reporting & Audit Readiness

• Ensure all regulatory, management, and internal reports are completed accurately and within prescribed timelines.
• Maintain audit readiness by ensuring documentation, controls, and evidence are consistently maintained.
• Address audit findings promptly and ensure sustainable remediation actions are implemented.

9. Change Management & Regulatory Initiatives

• Support regulatory-driven change initiatives, system enhancements, and process improvements.
• Work with cross-functional teams to implement regulatory requirements affecting branch operations.
• Ensure staff are trained and prepared for regulatory changes impacting customers or operations.

Qualifications & Experience:

• Bachelor’s degree in Management, Banking & Finance, Accounting, or related field.
• Professional certifications (e.g., ACIB, CAMS, ACCA modules, banking diplomas) are an asset.
• 5–7 years banking experience, with at least 2–3 years in supervisory/managerial roles.
• Proven track record in sales leadership and customer relationship management.
• Experience managing branch operations or financial product portfolios.