Branch Manager /District Manager  Assistant Personal Banker; Branch Supervisor, Enquiries Clerk, Teller, Back office Clerk Provides point of contact and link between the bank and its customers, for all personal banking activities and responsibility for first line risk & compliance management, marketing & sales of ZB products, building & maintaining individual professional business relationships, to achieve the Retail Banking approved and communicated deposit mobilisation and income generation targets 1. Conducts clients interviews
2. Markets and sales all bank products to both existing and potential clients
3. Opens new accounts for both individual and coporate clients and authorise client transactions
4. Visits clients and attends functions to monitor, assess and exploit business opportunities & prepares call reports
5. Undertakes credit and risk assessments and writes credit proposals for submission to Credit Committees for approval consideration
6. Manages arrears, excesses and recovery of bad debts, including administration of dormant and inactive accounts.
7. Compiles various business development and compliace returns for management review and/or approval consideration.
8. Checks clients� credit worthiness before opening account or recommend a loan
9. Negotiates deposits interest rate and informs treasury department of new investments and roll overs
10. Prepares offer letters and guarantees for customers accessing personal loans
11. Advises clients of credit application decisions
12. Delegates work to other personal bankers including assistant personal bankers, and train students on attachment
13. Supervises and develops surbodinates
14. Signs ZB Bank personal loan offer letters and other correspondence
15. Receive client's correspondence and action
 New business registers and reconciliation reports review
Bad dabts, excesses and arrears return
Meetings
Credit Proposals & Reviews
Internal & External Audits and Inspections
Call reports review
 Account opening checklist
Authorisation of e-wallet applications
Authorisation of funeral registrations
Authorisation of funeral claims
Meetings
Review of Business Development reports
Review of new business registers
Suspense accounts reconciliations
RTGS and transfers authorisations
Adhoc cash spot checks
  Undertake client visits and prepare call report 
 Submit monthly returns (interest reserve, bad debts, arrears, excess, new accounts)
 Prepare leave programme for subordinates
 Submit daily cash  balance sheet
 Order  and repatriate cash to ccd or from ccd
   2 �A� Levels , BSc. Banking and Finance 
 BAcc 
 BSc in Agriculture
  I.O.B.Z Diploma or equivalent Credit Management Diploma  5 years  Must have sound basic IT skills
 Must have good supervisory skills
 Must have strong marketing, selling and listening skills
 Must have strong analytical and negotiation skills
 Must have excellent and intimate ZB Bank retail products and services
 Must have strong credit and risk assessment skills
 Must be able to handle complex client quirries
 Must have excellent knowlegde of exchange control regulations 
 Strong people skills
  Decides on target market and product best suited for client needs
 Decides to accept a  reasonable payment plan from defaulting clients 
 Decides on tasks and resource allocation
 Decides on suitability of applicants for lending
 Decides on the selling strategies for acquiring and retaining clients / business
 Decides on the calling programme (client visitations) and on which clients to refer to management for further assistance
 Decides on accounts to be handed over to recoveries
 Decides on whether to order cash for the branch or repatriate
  Manage difficult customers 
 Ensure compliance to ZB Bank procedures and policies and RBZ regulations 
 Manage arrears and bad debts 
 Ensure branch always has adequate cash resources to meet daily needs
 Manage staff induastrial relations issues
 Turning down a request for a facility by a client
 Engaging guarantors with regards to repayment of loans in default


Job evaluation subgrade: C