Branch Manager
Byblos Bank Syria
مجموع سنوات الخبرة :10 years, 4 أشهر
* Managing and Controlling the bank’s operations duties & responsibilities
- Ensure High Quality Customer Service for branch clients and a proper satisfaction of their needs.
- Manage the branch operations unit activities and ensure the implementation of all operations procedures.
- Control all the reports regarding the operational transactions
- Authorize transactions within my scope and replace the Authorizer in case of the latter profile’s absence / overload.
- Ensure continual monitoring of the branch operations using the checklist as main guidance instrument.
- Resolve all branch pending issues related to daily operations and report status to the Branch Manager.
- Authorize all the account opening / closing since i am the compliance officer in the branch.
- Act as the branch main contact point with the entire bank’s departments with respect to follow-up on all transactional operations related issues.
- Report any suspicious transaction, staff misconduct, and money laundering issues to the Branch Manager and coordinate with the latter the reporting to the concerned department (Audit, HR, and Compliance Officer).
- Monitor cash availability in vault and working cash in tellers’ tills to comply with the limits defined and the insurance policy.
- Control registers of risk bearing documents (saving books, checks, etc..).
- Maintain the branch library of standard operations related documents, forms, formats, policies and procedures and ensure replacements of communicated amendments.
- Screen all incoming mail and follow up on the execution of incoming directives.
* Managing the internal working environment duties and responsibilities
- Keep the branch entrance and vault keys and controls (camera films) under his custody and ensure compliance to security policy at every closing/opening of an access.
- Create an adequate environment in the branch for the staff and the customers.
- Ensure that the branch’s physical set-up and fixed assets are maintained in good conditions
* Managing the Human Resources duties and responsibilities
- Ascertain that all branch staff is abiding by the assigned job descriptions and procedures.
- Manage the branch operations unit staff workload, organization, and time management.
- Provide coaching and technical assistance to the branch staff
- Train branch operations unit staff during branch meetings to ensure assimilation of operational policies and other related instructions and follow up on their proper implementation.
- Coordinate with the Branch Manager all operations unit staff human resources needs: staff vacation, staff performance evaluation, development needs, and other staff requirements.
- Follow up with the Branch Manager on all retail and commercial clients’ needs and complaints, and ensure proper response.
- Limit tolerance to deviations on directives given by the support or business units.
- Replaces the BM during his absence.
- Maintain the Bank’s corporate image within branch premises
* Developing the branch’s activity duties & responsibilities
- Responsible for the development of the branch clients’ base and the establishment of business contacts with potential customers.
- Develop the branch business plan and the individual targets according to the goals and sales budget.
- Implement the recommendations of the regional manager, Internal Auditor and other management entities.
* Managing and controlling the bank’s operations duties & responsibilities
- Ensure High Quality Customer Service for branch clients and a proper satisfaction of their needs.
- Communicate with the regional manager regularly on staff and client requirements.
- Refer business to Commercial department, Treasury and Capital Markets units.
- Ensure strict control on the cost of funds and profitability of the branch in coordination with the Deputy General Manager in line with the budget and the objectives set.
- Ensure continual monitoring of the branch operations using the checklist as main guidance instrument.
- Report in coordination with ABM any suspicious transaction to Internal Auditor and ensure reporting all money laundering concerns to the Compliance Officer.
- Follow-up with the ABM on all pending issues as well as clients’ needs and complaints, and ensure proper response.
- Review all incoming mail and hand it to ABM for distribution.
- Responsible for maintaining the Bank’s corporate image within and outside the branch.
- Replace the ABM during his/her absence.
- Limit tolerance to deviations on directives given by the support or business units.
- Sign all retail files before submitting them to the approval process.
* Managing the Human Resources duties & responsibilities
- Responsible for the overall performance of his branch in terms of quality of HR, level of knowledge and sales capabilities.
- Ensure branch staff awareness and proper implementation of Bank’s procedures.
- Ascertain that all branch staff are abiding by the assigned job descriptions
- Communicate individual objectives to branch staff and ensure their achievement through constant coaching and motivation.
- Responsible for continuous transfer of knowledge and expertise to branch staff.
- Conduct a monthly meeting with the staff to update them on management policy and last developments. Minutes of those meetings are to be copied to all branch staff and to Deputy General Manager and filed in a special folder in the branch.
- Manage the branch related human resources needs: staff vacation, staff performance evaluation, development need, and other staff requirements.
* Managing the Internal Working Environment duties & responsibilities
- Make sure that the retail loan approval process is respected at the moment of initiating the file.
- Create an adequate environment in the branch for the staff and the customers.
- Make sure that the branch’s physical set-up and fixed assets are maintained in good conditions.
* Reporting operational risk events to the Risk Control Unit as a operational risk champion:
- Timely report all details on operational risk events (whether loss, gain, or near miss) as per the Operational Risk Event (ORE) reporting procedure and templates, and propose remedial measures to minimize similar occurrences.
- Follow up on the timely implementation of the generated remedial/ corrective measures, control/ process enhancements to reduce risk.
- Allocate on Globus, in case of a staff’s absence, the latter’s profile to an existing user.
Handling Letter of Credit/Letter of Guarantee administrative tasks duties & responsibilities
Execute at the end of each month the inventory of all bills in the branch.
Coordinate finalization and maintenance for the Foreign Exchange, capital markets with the Operations Unit (Back Office Treasury).
Coordinate finalization and maintenance requirements for the LCs, LGs, DCs, and commercial loan (financing…) with the concerned Department where need be.
Prepare and print new and renewed LG.
Responsible for the maintenance of LGs.
Keep under his / her custody bills and documents related to trade finance and letters of guarantee.
Handling Retail Administrative tasks duties & responsibilities
Prepare and study retail file and submit it to the BM for signature before sending it to the Consumer Lending Unit.
Keep under his/her custody non-matured retail and commercial bills.
Process on Access all retail tasks.
Submit bill to teller for bills payment.
Ensure control over payment of bills and related late interests.
Assist in filling in internal mail delivery format and send to designated branches/departments.
Following up unpaid clients in order to settle or schedule their bills
Handling daily operations Administrative tasks duties & responsibilities
Renew the deposits and LDs (ACI/ADI)
Input all MD’s (cards, LGs, Collateral, personal guarantee…etc).
Execute filing of all Back Office operations in the branch.
Execute end of day closing operations (check clearing, journals…)
Generate and control End of day reports as required per control procedure.
Controlling and Monitoring client’s accounts duties & responsibilities
Ensure existence and accuracy of all required documentation and advise the Personal Banker on follow-up with clients on all pending issues.
Report to the Assistant Branch Manager any pertinent information that should be escalated to the Compliance Officer
Control, input and finalize the opening / closing of accounts and ensure proper filing.
Process pending transactions (billing, inter-branch transactions, etc…)
Replace the Personal Banker and Teller during their absence.
Controlling and Monitoring client’s checks duties & responsibilities
Register all Banker checks.
Register information related to incoming and outgoing transfers, banker’s checks and checks for collection
Handle clearing checks operations.
Manage and follow-up on check book issuance and ensure their proper registration
Handling Client’s accounts and requests duties & responsibilities
Execute all non-cash transactions to clients and ensure accuracy of documents and signatures.
Collect information required and ensure existence and accuracy of all required documentation according to the standard checklist.
Receive and verify client requests for Trade finance, Letters of Guarantee.
Create and amend customer information file.
Open and close customers’ accounts and handle customer request for amendments.
Handle customers’ accounts and loan inquiries.
Deliver mail and account statements to clients upon their request.
Promoting and developing the bank’s products & services duties & responsibilities
Promote the Bank’s products inside and outside the branch according to a plan predefined with the Branch Manager.
Post and update the branch client database with a customer information file for potential customers.
Report to the Branch Manager/Assistant Branch Manager any pertinent information that should be escalated to the Compliance Officer in Lebanon.
Generate and control End of day reports as required per control procedure.
Follow-up with clients on all pending issues in order to complete their retail files.
Ensure proper customer signature on all retail documents
Handling all cash operations duties & responsibilities
Execute all cash transactions and ensure accuracy of documents and signatures.
Execute end of day till closing operations at the branch.
Handle customer account inquiries.
Controlling the cash operations duties & responsibilities
Ensure accuracy of cash balances in his/her allocated till.
Ensure the filing of the branch daily deal slips.
Generate and control end of day reports as required per control procedures.
Report suspicious transactions to the Authorizer.
Assist in photocopying and filing of internal works.
Assist in the internal mail dispatch preparation.
Other duties and responsibilities as assigned.
Teller Transactions
intermediary between ship owner and cargo owner
GPA: 86% The 2nd highest GPA in the university Dissertation letter was about "Prospects & Challenges of E-Learning in Syria"
GPA: 82% Graduation project was about a rigestry system in a marine company (i used VB.net and SQL Server)