The Branch Manager is responsible for the profitability of the branch’s CMB business and the satisfaction of all customers. The BM is responsible for the branch ambience, service delivery, and operations. He/she must be committed to ensuring that processes, procedures, and standards that have been defined by the Bank are adhered to by all branch staff.
Key Responsibilities
Business and Financial Performance
Delivery of the branch’s CMB budget numbers.
Identify business growth opportunities in the local market and develop appropriate strategies for capturing such to grow our market share.
Work jointly and proactively with all internal stakeholders (businesses, Operations, Technology, and product partners) to increase Ecobank’s wallet share within the respective markets.
Review Account Plans for all RMs (CMB) attached to the branch to enhance customer wallet share, business volumes, and earnings.
Achieve targeted CMB product cross-sell ratios and increase customer adoption of Ecobank’s products, platforms, and services.
Ensure that various CMB business segments in the branch maintain a CABAL commensurate with overall budget projections.
Ensure that all incomes are properly recognized.
Grow the deposit base of the branch with specific focus on growing low-cost deposits, collections, value-chain business, and channels.
Achieve cost-income ratio targets of the branch and business.
Ensure that credit approval memoranda (CAM) meet the bank’s credit policy guidelines and loan accounts operate within approved limits and terms.
Conduct regular business performance and profitability reviews.
Ensure all Non-Performing Loan (NPL) & Past Due Obligation (PDO) ratios are kept within budgeted limits and targeted for recovery.
Attain sales goals, performance targets, and customer satisfaction levels through effective resource management.
Client Centricity
Constantly review strategies to ensure excellent and comprehensive customer service delivery, quality standards, and branch ambience are upheld.
Identify and market prospects within the target market.
Exceed customers’ expectations across segments.
Establish and sustain a customer-centric culture leveraging people and technology to deliver excellent service.
Drive increased digital channel usage, focusing on Omni lite, NQR, and POS.
Ensure high customer satisfaction as measured through feedback surveys and Net Promoter Scores (NPS).
Effectively liaise with internal departments (CIB, Trade, Risk, EBS) and other branches to promote business volumes and profitability.
Leadership and People Management
Motivate and lead team to achieve profitability through clear target setting and performance monitoring.
Conduct regular performance and productivity reviews.
Create a succession plan and build a healthy talent pipeline.
Foster a supportive work environment that enables teamwork and efficiency.
Ensure an agile workforce with the right skills to meet strategic objectives.
Process, Control, and Operational Performance
Promote high ethical standards and ensure Ecobank RACE-IT values are evident at the branch.
Ensure a strong internal control system is in place and effective.
Achieve satisfactory audit ratings and comply fully with KYC/AML and regulatory guidelines.
Ensure effective balance sheet management.
Recommend process improvements to enhance customer satisfaction.
Strategic Initiatives
Drive and sustain the ongoing Ecobank Nigeria digitalization agenda.
Lead strategic initiatives as defined by the bank.
Job Profile / Requirements
Experience & Qualifications
Minimum of 6 years relevant banking experience with proven track record in marketing/sales, credit, and leadership.
Good knowledge of the Nigerian business environment, banking industry trends, and regulations.
Excellent knowledge of banking operations, technology, products, and customer segmentation.
Minimum of second-class lower in first degree (MBA, MSc, MA, ML, and/or professional qualifications are an advantage).
Skills
Commercial acumen.
Excellent interpersonal skills.
Quick thinking and strong problem-solving capabilities.
Strong credit appraisal skills.
Excellent team management and coordination skills.