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The Qualities and Working Values of a Banker

Posted by financer | June 14, 2010 .

The ability and reliability of a bank branch manager is usually tested when a client come to the bank for loan assistance. Ability in determining the accuracy and authenticity of documents presented including the financial statement. Reliability in evaluating the proposed project for the loan applied for.

The bank officer has to be precise about all the information in the report due for approval by the Loan’s Department since it is the investor’s money that has to be loaned-out to qualified debtors.

In fulfilling the job, a bank branch manager has to satisfy both the interest of the employer, the investors and debtors. This was the dilemma of a manager when given the task to improve the performance of a branch, to bring back the lost clients and to intensify collection from borrowers. It was discovered that duties and responsibilities were neglected by the previous officer.

One of the responsibilities of a manager is to see to it the existing clients gets the appropriate quality services offered by the bank. Valued clients have to be followed-up, visit them when necessary, to keep them updated or informed of any development in the banking business.

It is an advantage for a manager to associate and get involve in community activities in the locality being a public figure as a bank representative. It is in these occasions where the manager will have the opportunity to meet prospective clients.

One of the services offered by the bank is granting of loan to qualified applicants. Any officers of the bank do not have the right to collect for an advance processing fee. The only amount to be collected from the borrower for an approved loan is stipulated in the document prepared by the head office’s loan department. It is also against bank practices for a manager to insinuate as to how to manipulate the preparation of the financial statement of the prospective borrower for its approval.

It was stated earlier that ability and reliability are among the qualities required from a bank officer. How about TRUST, HONESTY AND INTEGRITY?

Management hires an employee on one very important factor – TRUST. Trust that the assigned task will be accomplished to the best of ability using knowledge and skills. Trust that an employee will act with proper decorum, upholding professionalism at all times.

Closely related to trust are values of honesty and integrity. These can be measured in terms of the things that one does even when no one is watching or looking.

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