Responsible for counter services in the branch with a view to achieve timely and accurate processing of deliverables in a personalized environment.
Approval and supervision of daily transactions relating to cash, cheque deposit / withdrawals (including remittance, clearing and collection instruments) Account opening, Loan Processing, Cheque Book issuance, ATM issuance, Dormant/inoperative account, Stop payment etc.
Reconciliation of all cash suspense/sundry accounts on a daily basis.
Checking of system generated reports on a daily basis.
Managing service delivery - observation of queue time and length / taking action as needed to capacitive serving counters and /or managing customer traffic.
Resolving investigations and inquiries initiated by customers.
Liaise with sales and service staff to ensure that adequate support is provided in facilitating branch's service delivery standards.
Improved service standards and minimum turnaround time.
Responsible for calling to loan customer after completion of all Loan documents
Risk and Control Management:
Review of systems and controls on a regular basis, identifying bottlenecks and control weaknesses with a view to achieving improvements in coordination with IT and Operations
Ensuring that branch activities are carried out strictly in accordance with the laid down FMBL SOP, S/ Circulars’ and SBP guidelines.
Exercising effective dual control over cash along with daily monitoring of cash holding levels to attain optimum holding levels.
Custodian of all relevant Keys (strong room, cash vault, and gold safe) and custodian of cheque books, security stationary/AOF, SS cards Loan documentations, Legal booklets and PDCs.
Maintenance of all registers.
Responsible for supervision of all operations functions like account opening documentation, / Loan documentation and correct input of data in hPLUS.
Maintenance of cash over counters and vault within assigned limits.
Minimum instances of overnight excess cash.
Timely disposal of excess cash with all required safety measures or approval of excess cash taken by HO
Monitoring and processing of all activities pertaining to ATM operations and ensuring that ATM cash is balanced.
Proactively monitoring ATM downtime to maximize customer satisfaction and resolve all technical issues through close coordination with operations and IT department.
Control over ATM cash including replenishment and captured cards.
Supervision and monitoring of all ATM card deliverables and reconciliation.
Investigation and resolution of all abnormalities relating to ATM transactions.
Provide support to branch staff to streamline the process of money laundering monitoring as required
Interviewing of customer regarding KYC and checking of KYC related documents.
In coordination with Branch Manager, identify any breaches of regulatory requirements or ethical standards, where there is a potential risk to the reputation of the Bank
Ensure compliance of relevant SOPs at all times
Ensure the process of suspicious transaction reporting is followed in line with SOPs
Ensure internal / external controls at Branch level
Timely rectification of audit observations and plans thereof to avoid repetition of the same.
Immediate reporting and follow up of fraud and forgery, litigation and policy deviation with RM/HO.
Ensure timely reporting of different periodical statements to HO or any other information asked from time to time.
Ensure charges recovered/deducted as per FMBL SOC, NO income leakage in branch
Staff Supervision & Coaching:
Daily organization of workflow within assigned team.
Regular on job coaching and training of team.
Timely and accurate preparation / submission of all reports.
Preparation, analysis and submission of reports relating to withholding tax accounts, suspense accounts, commission income,
To maintain and record fixed assets of the branch and ensure required depreciation entries and executed on time.
To ensure all expenses are recorded against proper and approved bills and claim vouchers.
Staff evaluation. High performers to be identified for the higher responsibilities.
Active participation in providing suggestions in improvement of existing procedures.
Training to Branch ops staff on operational controls and procedures.
Optimization of staff productivity.
Desired cost efficiency to be maintained
In case of any emergency in branch inform Regional Manager/Admin Department.
To ensure branch is maintained in line with desired standards and all necessary repair and maintenance work is addressed in a timely fashion.
Retention of hold mail statements and advised under dual custody.
Act as Branch Security Officer.
Finca is an EOE.
FINCA is a globally recognized microfinance organization working in 5 continents and in 23 countries. FINCA provides financial services to the world's lowest-income entrepreneurs so they can create jobs; build assets and improve their standard of living. In 2013, FINCA acquired a majority share of ...Read More