Bank Branch Manager | Lending Head  

Responsible for planning, directing, and implementing marketing strategies to attain the branches profitability/ volume targets and corporate goals, for promoting efficient/ effective branch operations, and for the goals for promoting efficient/effective branch operations, and for the general supervision of all the activities of the branch

Key Results Areas

The Branch Manager/ OIC plans, controls, and organizes the following key result areas:

• Over-all management of the branch
• Policy implementation
• Branch growth and sense of direction
• Marketing aspects in the deposit generation and loan portfolio management, profitability, loan recommendation and operations control.
• Staff development

Duties and Responsibilities:

Marketing

• Formulates and implements business/client development strategies for the branch to attain its profitability/volume targets
• Solicits desirable business in accordance with specific targets and objectives set by management by implementing strategies in account solicitation, deposit generation, foreign exchange generation, loans and credit operations, other products and services of the bank and its subsidiaries/affiliates.
• Ascertains the profitability of the branch by maximizing spread in lending rates, proper granting/approving of waiver of charges emphasizing on traditional low cost funds rather than high cost deposits and by encouraging full utilization of the customers’ approved lines.
• Monitors credit accommodations and maintainquality loan portfolio by reducing unprofitable and past due accounts. Ensures appropriate documentation of all loans/claims of the bank.
• Attends to customers’ queries and ensures that immediate assistance is rendered regarding their banking needs.
• With Management’s approval; participates in community, civic and social functions to build up the branch’s goodwill.
• Pro-actively participates in the cross-selling of the Bank’s subsidiaries’/affiliate companies’ products and services.
• Continuously assesses and provides feedback to he president/ AVP-operations regarding Markey performance, competitiveness, relevance and overall profitability of the Bank’s products and services.
• Heads the Branch Credit committee

Branch Operations

• Generally ensures effective operations of the branch in consonance with bank policies, BSP and other regulatory bodies’ regulations and customers’ expectations
• Monitors the processing and queuing time at the service counter to ensure fast and efficient customer service.
• Monitors the exercise of signing authority on documents/accountable forms as prescribed in the policies and procedures. Countersigns documentations/posting media in excess of the branch operations officer’s authority limits (refer to the branch approving and signing authority limits);
• Coordinates with branch operations officer in reviewing the daily transactions of the branch and ensures prompt delivery of transaction media/documents to units concerned.
• Monitors the preparation and prompt submission of all required reports/replies to letters/memoranda and ensures their proper verification and approval.
• Monitors the distribution of all communications/Email messages, interbranch confirmation and other pertinent documents for other WealthBank branches and Head Office Units.
• Monitors the timely arrival and completeness of documents received from Head office for proper disposition.
• Directly responsible for the following operating routines:
  • Signing on of branch server in the absence of branch cashier.
  • Signing on of branch surveillance camera and alarm system in the absence of branch cashier.
  • Alternate holder/custodian of the following:
    • Main Vault Door, Upper left Combination
    • Emergency Vault Door combination
    • Key of outer Grill
    • Key of Inner Grill
  • Sake keeping of the sealed envelope containing the security password/code in the opening/closing of Teller and New Accounts Terminal.
  • Conducts daily CIV Cash Count in the absence of Branch Operations Officer. Otherwise, conducts surprise cash count at least once a month.
• Oversees the performance and functions of branch personnel.
• Reviews the performance rating of branch personnel and recommends. Endorses same to AVP- Operations/HR for appropriate action.
• Monitors the scheduled vacation leaves of branch personnel and ensure job rotation for a continuous workflow in the branch
• Conducts monthly meeting with the staff to discuss plan and operational matters and identify/formulate courses of action affecting the operations of the branch to eliminate operational lapses/deficiencies.
• Monitor proper administration and maintenance of the branch furniture, fixtures and equipment, bank premises and properties.
• Monitors proper turnover of responsibility/accountability of branch personnel in case of resignation or transfer to other branch/unit.
• Prepares Annual Budget Report of the branch and monitors compliance with annual plans and
• Budget approved by Head Office.
• Head the Branch Security and Protection.
• Performs other functions that maybe assigned from time to time.

Branch Controls

• Generally monitors compliance with the Bank’s policies/procedures and the BSP Circulars, letters and memoranda to minimize/eliminate operational lapses and ensures that any omission, fraudulent activities noted in the branch are immediately reported to the Office of the President9 copy furnished EVP-COO, AVP-Operations, Audit and Compliance).
• Periodically reviews the branch compliance to audit recommendations, exceptions and prompt reply to audit recommendations/reports and timely correction of findings.

Secondary Functions

• Checking of cash vouchers/disbursement/reimbursement tickets.
• Checking of computation of interest on CTD, loans and other placements;
• Checking and reviewing of Signature Cards, Memos, Tickets and supporting documents.

Alternate Functions

• Opening of outer/inner cash safe inside the vault.
• Updating of branch maintenance file;
• Closing of main vault, outer grill;
• Custodian of cash in vault, petty cash, accountable forms, late, deposits, item held for safekeeping;
• Monitoring of mishandled accounts;
• Back-up of video files(Surveillance Camera System)

• A graduate of any 4-year course preferably Business-related courses
• With extensive background in bank operations
• Extensive experience in Marketing

Minimum Training Requirements:

• CASA Program Orientation
• Anti- Money Laundering Act
• General Banking Law
• Understanding the Banking Industry
• Effective Communication and Relationship Management Skill Seminar
• Effective Customer Service and Handling Complaints
• Signature Verification and Counterfeit Detection