Branch Manager

Job Description

Responsible for the P&L of the business, achieve monthly, quarterly and annual targets as per the Annual Business Plan

Responsible for the review and approval of commercial credit proposals and to maintain a good balance between returns and risks exposure, defining limit of credit exposure based on financial assessments.

Leads a team of credit approvers and collection to ensure high standard credit quality of the portfolio by using various credit assessment tools

Engage in the development, implementation, review, and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team members

Review and develop credit approval policies and guidelines as well as participate in ad hoc projects of investigative or trouble-shooting nature on specific customer portfolio

Ensure debt recovery procedures are fully effective and all available recovery options are utilized to maximize recovery outcomes. Manage any ‘extreme’ credit control situations

Monitor credit granting process, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of company sales and bad debt losses.

Ensuring all business-related matters to the administration of MOFCLs, secretarial, statuary, legal\management of Branch and working capital efficiency measures are followed

Implementation and utilisation of proper system and process for loan assessment, disbursement, and collections

Ensure compliance to company policy and submitting of various weekly, monthly reports and data to management and credit bureau as per banking regulations

Liaise with Auditors, HO, and Statutory agencies on financial related matters, and guidelines as per the BOT are always adhered

Maintain a department organizational structure sufficient to meet all goals and objective, measure department performance with appropriate metrics

Skills Required

Spreadsheets (e.g. Excel, Google Sheets, etc)
Word Processing and Desktop Publishing Tools (MS Office, Google Docs, etc)
Presentation Tools (e.g. Google Slides, Power Point, etc)