Branch Manager (Tobago)

Leads a branch team of sales and service team members to achieve identified financial and non-financial objectives, including inter alia asset and liability growth, branch profitability, portfolio quality, client care, team member engagement and leadership goals.

Job Summary:

This incumbent manages and leads a branch team of sales and service team members to achieve identified financial and non-financial objectives, including inter alia asset and liability growth, branch profitability, portfolio quality, client care, team member engagement and leadership goals. The Manager cultivates internal relationships among the local JMMB Group within all functional areas to effectively execute on his/her mandate and builds a broad community network to capitalize on business opportunities. This leader actively coaches the branch team to enhanced performance and promptly deals with performance challenges through focused sales, service and people management routines. The Branch Manager is also responsible for a client-centric risk and compliance culture within the Branch. The Branch Manager plays a pivotal role in the development of the Bank’s annual Operational Plans and share the responsibility of co-ordinating the development, preparation, updating and distribution of Policy and Procedures Manuals for all areas under supervision and control

Key Duties/Responsibilities:

• Establishing and achieving clear objectives and targets and managing the branch’s performance against these targets on a continuous basis.   This requires balancing asset and liability growth goals and cross-referral targets in order to achieve objectives, while adhering to the Bank’s policies and procedures and operating within the legal and regulatory framework, in order to minimise risk exposure, overtime costs and controllable expenses to plan.   
• Ensuring the responsiveness and accuracy in client interactions and with the general public.  
• Implements sustained business development call programs to market the Bank’s products and services to increase the Bank’s strength in its targeted market.
• Leads in the implementation and monitoring of client discovery and financial advice strategies to drive asset and liability growth and execute on financial partnering as a key differentiator
• Driving the strategic development of revenue generating initiatives for their Branch in alignment with Corporate and Country Goals. Develops, recommends and/or implements strategies and programmes to achieve set revenue goals within the established parameters.
• Achieves the Branch’s Financial Target as established and agreed.
• Coaches all sales and service leaders within the branch to consistently deliver a superior client experience in alignment with Client Care Standards, JMMB Culture and Brand Guidelines at every point of contact with all clients
• Has responsibility for the delivery of the optimum client experience
• Coaches Sales Team to deliver the full JMMB product suite by partnering with clients to achieve goals throughout their life’s journey, drive solutions, maximize opportunity spotting and balance growth.
• Ensures sales team implement retention and loyalty activities/processes, grounded in a deliberate contact strategy, to benefit from upsell and cross sell opportunities
• Sustains a consistent execution of the Sales Process, by acknowledging positive results, reviewing goals and addressing challenges in accordance with established practices and policies.
• Ensures strict adherence to sound risk management and portfolio quality standards in accordance with the Bank’s Credit Risk Policies, Due Diligence Procedures and the established Delegated Limits of Authority.
• Ensures appropriate action is taken to address gaps identified through Audit and compliance reviews and/or reporting to eliminate delinquency and discrepancy ratios.
• Adheres to Legal, Regulatory and Compliance Guidelines, AML/ATF and Bank policies and procedures for all products and services and customer transactions
• Maintains an intimate knowledge of the financial and economic landscape, to minimize the Bank’s exposure and maximize advantages to be derived from changes.
• Constantly monitors the economic climate, researches opportunities, recommending value-added financial solutions and/or discontinues existing products guaranteeing the Bank’s competitive edge and customer satisfaction at all times.
• Leads and effectively manages Performance to engage in group learning, problem solving and gap analysis for reward/recognition and developing team member capability where applicable.
• Actively participates in the education of TMs in areas relevant to their roles
• Ensures harmonious and high motivation level of Branch team and promotes departmental synergy among related departments.
• Assigns responsibility, sets targets, reviews performance of branch personnel, provide counseling, job instruction and recommend training and development opportunities as appropriate.

 Qualifications (Education & Certification)

• A Bachelor’s degree in Finance/Management or other related field from a recognized tertiary institution

 Experience:

• Minimum of Eight (8) years’ experience in the financial services sector, with at least five (5) years at a Supervisory level
• Formal training in the principles and practices of management.
• Experience in managing large teams in a fast pace environment would be considered an asset
• A track record in successfully driving asset and liability growth in the financial services sector would be considered an asset

Required Skills and Specialized Techniques:

• Strong leadership skills, with a coaching mindset
• Understanding of Sales Management Routines

• Excellent business development and customer relationship management skills
• Good knowledge of credit analysis and treasury management
• Excellent decision making, evaluative and planning skills
• Well-developed oral and written communication skills
• Must be articulate and able to interact at all levels
• Sound knowledge of the operations of a financial institution
• Skilled in economic assessment and financial analysis

Other (Skills):

• Proven expertise in the development of value-added financial solutions to maximize the benefits of prevailing economic and financial policies.
• Excellent leadership and human relations skills.
• Passion to serve others
• Ability to lead & advocate change
• Strategic thinker
• Team player, focused on the growth and development of direct reports
• Knowledge and experience in Anti-Money Laundering , Compliance
• Ability to understand and apply credit policies, rules and guidelines
• Business Continuity Management experience
• Proficiency in use of Microsoft Office Tools – Power Point, Word, Excel, Outlook