Company Profile

BRAC Ghana Savings and Loans Ltd (BGSL), is a socially responsible for-profit organization, engaging people, especially women in sustainable economic and income generating activities Ghana. Our mission is to provide a range of financial services responsibly to people at the bottom of the pyramid. BGSL is part of BRAC International Holdings B.V (BIHBV) which operates in seven countries across Africa and Asia.

Job Description

• Duty Station: Twifo Praso

PURPOSE
The Branch Manager Trainee will be responsible for the smooth records keeping, cash and bank transactions of the branch/service point.

MAJOR RESPONSIBILITIES

Group related:

• Arrange admission of members in groups after initial screening from the survey list of potential borrowers of microfinance program.
• Announce the official formation of groups through orientation program
• Allow 15-30 potential borrowers for membership per group
• Ensure daily installment collection according to collection schedule
• Oversee at least two group meetings per day and reconcile passbooks
• After 6 months 100% of members passbooks should be reconciled with the collection sheet and ensure signature in the passbook

Target Plan related:

• Prepare a target plan for the branch at the beginning of the year (groups, members, borrowers’ disbursement, overdue etc.)
• Prepare a yearly target plan with monthly break down for credit officers
• Monitor the operation in accordance with the target plans

Accounts related;

• Prepare weekly cash requisitions for loan disbursement and other expenditure
• Ensure cash from bank for financial expenditure according to daily requisition
• Check and sign cash ledger, bank ledger, DCR, cashbook, cash certificate and all bill vouchers after verification at the day’s end.
• Report any irregularities found in cash management

Administrative;

• Streamline staff’s leave, transfers etc.
• Take necessary steps for preservation of DCR, cash ledger, loan-related important documents, circulars, minutes of the monthly meetings, bill vouchers, collection sheets, passbooks, certificates, attendance registers, leave applications forms, leave registers movement registers etc.
• Maintain and keep office furniture, stationeries and other fixed assets neat and clean
• Create an enabling environment for all staff working in office
• Maintain better relations with local administration
• Ensure a general supervisory role for all programs/projects transitions and staff in the branch.
• Ensure better and quick service to outside stakeholders (e.g. Neighbor’s, government, other organizations etc.)
• Maintain staff office attendance per BRAC procedures

Staff development:

• Conduct weekly staff meeting on every friday for one hour (discuss targets and achievements etc.)
• Identify performing and non performing Credit Officers and guide them accordingly
• Listen to the challenges of staff and help resolve them
• Develop staff capacity through mentoring, coaching and counselling

Client satisfaction and outcome management related:

• Make sure COs and other MF staff adhere to the code of conduct for Microfinance staff
• Strive to provide the best quality service to clients, on the field and at the branch office
• Follow up clients’ complaints/concerns/opinions carefully and take appropriate measures and recommend changes
• Review clients’ poverty profile and geographic targeting to ensure that client targeting is aligned with BRAC’s mission
• Review client level outcome data periodically recommending action plans

Reporting:

• Prepare daily, weekly, and monthly reports required by management in due time
• Analyse monthly trends and daily performance reports of Credit Officers
• Share monitoring and audit reports on time.
• Maintain and update the risk register for submission to the area manager
• Ensure objective distribution of 12-15 groups per Credit Officer for MF and 15 groups for AGF programme.

Required Skills or Experience

• Cash and Bank transaction.
• Preparation of cash requisitions, cash certificates and bank reconciliation statements
• Knowledge in application Microsoft Word, Microsoft Excel.
• Experience: At least 3 years of experience working in a similar role.

• Computer knowledge on MS World, MS Excel and Internet
• Effective communication skills. Writing and reporting skills in English

• A bachelor’s degree with a concentration in Business Administration, Banking and Finance, Accounting or any related Program.
• Business Administration, Banking and Finance, Accounting etc.

PROFESSIONAL DEGREE / CERTIFICATION

• Professional certification in the field is a plus.