Senior Officer Retail Operations

Job description / Role

To direct the functioning of operation in CBI branches by providing the foundation & organizational structure to support business development, facilitate a strong control environment, maximize efficiency and cost control through bench-marked service delivery & operational standards, within the framework of corporate policies, procedures and local regulations.

- Manage effective implementation of all pre and post audit requirements to ensure satisfactory audit ratings of CBI branches. Ensure closure of pending Audit comments for RBG. Attend exit meetings with Audit department for branches prior release of the final report.
- Manage and control processing of activities at branches and ensure successful implementation of policy, procedures and delivery standards to achieve overall compliance with corporate and regulatory policies.
- Branches operations conducts regular full operations reviews and Follow-up reviews on the branches based on a pre- planned schedule designed at the beginning of the year, relying on check list prepared in line with different functions SOPs in place. The check list defines the processes and sub processes as well as the period to be reviewed. The period covered through reviews takes into account the last review date. Every Branch is checked 8 times a year . All issues highlighted during the review is discussed with the respective branch Manager during the review course and an executive summary to be prepared and forwarded to the Head of Retail Support for review. Whenever necessary and depending on significance of findings, a meeting is to be held with the Branch Manager in the presence of the Head of Retail and Head Of Branches.
- Clean Desk policy review is conducted monthly either early in the morning before office hours or late in the evening after working hours in order to ensure compliance with Clean Desk Policy. The report is escalated to the respective Branch Manager and the group head for necessary disciplinary action.
- Daily review of branch sundry accounts and follow up for closure of outstanding items.
- Daily balancing and reconciliation of cash pool GLs.

Conduct regular training to the branches in the region on the following:
- New procedures circulated by RBG HO.
- Refresher trainings on SOPs.
- Procedures of new products.

- Ensure target dates are met for submitting reports to HO.
- Follow up closure of buyout cases (STL and clearance), in addition to all documentation discrepancies of branches.
- Assist the branch in all Admin and HR related issues.
- Ensure closure of reported items in Branch Monthly exception Reports.
- Handle the quarterly RCSA for RBG branches and closure with Risk.
- Monitor the implementation of new processes at branches.
- Coordination with Hr and Admin department for branch requirements.
- Monthly review of system access level for branch staff.
- Monitor branch overnight cash limit to ensure compliance to the assigned cash limits.
- Ensure target dates are met for submitting reports to HO.
- Follow up closure of buyout cases (STL and clearance).
- Documentation Deficiencies Control.
- To ensure submission of all the Loans outstanding Documents.
- STLs / Clearance Letters before completing 30 days.
- Title Deeds / Mortgage documents.
- Auto loan documents ( Mulkia /Insurance, etc to complete auto loan disbursal)

Requirements

- University degree
- 5 - Years experience in the related field
- Working knowledge of process design and banking system
- Good knowledge of the banks SOP and OPM

Other Skills Required for the Job:
- Good analytical skills
- Excellent oral and written communication skills
- Ability to communicate and deal with others
- To have a strong personality and ability to impress
- Patience and calmness when working under pressure

About the Company

Founded in 1991, Commercial Bank International is an award winning full-service commercial and retail bank offering simple and easy-to-understand products and services.

Our aim is to attract, develop and retain the very best people by offering a motivating and inclusive workplace where talent is recognized and developed. At CBI we will give you the opportunities you need to get more from your job. We'll help you grow and progress by acknowledging your talent, and rewarding you well. In return you'll give us your energy, enthusiasm and the drive to deliver results.

That way, we all have a promising future.