Bank mergers and the establishment of a comprehensive, more modern banking framework require a lot of preparation.

In addition to the three major credit business groups, targeting the future mutual savings banks and commercial banks; and the equity investment business group targeting the future Black Flag Investment Bank, many new functional departments also need to be established or reorganized.

The overall framework is considered from three dimensions:

First, the administrative management structure from top to bottom: head office-sub-branch-branch-depository, divided into four levels. In Carter’s psychological position, a branch is a banking institution that has the function of managing other branches in a certain state. Obviously, this level

Banks do not need to be set up yet. At least until the banking industry allows cross-state operations, branches will not be needed for the time being.

Second, it is divided by function: the operations department is responsible for managing front-line business processing personnel such as lobby managers and tellers; the administrative department is responsible for internal compliance operation management, coordinating legal affairs, financial support, personnel and logistics material management; and is responsible for processing transaction instructions

The clearing center; the Office of Risk Control and Quality Supervision, which is responsible for reviewing risks and loan quality; the technical department, which is responsible for providing technical maintenance of computers, Federal Reserve large transfer terminals, automatic exchange quotation reporting machines and other equipment; and a reserve for black

The Market and Industry Research Department of Banner Bank Think Tank.

There are tentatively designated six secondary functional departments under the management of the head office. Carter and Goodman feel that they are enough for the time being. To be precise, even so, the manpower is not enough for the time being!

For example, under the operations department, there will be the savings business department that sits at the counter, and the three loan business groups that are still doing front-end work even if they don't sit at the counter. As for the equity investment business group, it is completely independent.

, after all, this department currently has no manpower to supplement...

Because the manpower is completely insufficient!

According to Carter's standard bank operating structure, there is a third perspective of observation, namely the so-called front office, middle office, and back office...

The front desk is a position that directly faces customers. As long as it faces customers directly, no matter which department or business group it belongs to, it is considered a front desk position. For example: teller position in the operation department, lobby manager position, credit officer in the personal credit business group, manager position

These are all front desk positions.

"Above Heaven"

The back office is a position where customers are almost completely absent, such as transaction processing personnel in the settlement center; technical personnel providing technical support in the technical department; loan quality reviewers in the risk control and quality supervision office, etc. are all typical back office positions.

The middle office exists in between the two. It may need to communicate with the front and back ends, or it may be engaged in back-end work most of the time, but occasionally it may be necessary to enter front-end positions, such as risk control auditors, facing

For doubtful loan application materials, they can choose to meet with the customer for a second review; another example is some peer account managers, key account managers, etc., which are different from standardized retail business. The conditions given to these institutional customers are often discussed in detail on specific issues.

of...

For example, for the loan that will be allocated to the Toyota factory, its interest rate standard is much lower than that of ordinary personal credit customers. Facing this kind of special customer, a business manager who is good at communication is needed to actively coordinate with the backend. Otherwise, you are talking nonsense

Not to mention, this 6% interest rate standard application was sent to the quality review team, and when people took a look...

Huh?! Your brain has been kicked by a donkey? Do you dare to offer such an interest rate? And then directly reject the application, then it’s a coke...

It wasn't until the lights were bright that Carter and Goodman put down the pens in their hands. After stretching tiredly, they wanted to grab a cigarette to relieve their fatigue, but found that the cigarettes had been exhausted before they knew it...

"The changes this time are not small. The recruitment of new people and the adjustment and adaptation of the old people will take less than half a year. I guess it will be difficult for us to operate normally."

"Yes, in the first half of the year, our core task is to lay a solid foundation. Take your time, don't rush, start from September, to March next year... add three more months, to June next year. Nine.

Months of time, internally, to adapt to the new work model; externally, eat all the savings banks in Coffee County and Atkinson County!"

"No problem, you will come back next June to check the results... Oh, by the way, after this adjustment, there will be bank mergers... The decoration layout of the bank must also be changed, right? Our current layout is different from the one you conceived

The model doesn’t quite match! At least, we don’t have that much backend space now to accommodate the many backstage positions you have set up.”

There is no mention of changing the bank license, whether it is a name change or the merging of four banks into one. This is not a difficult matter. You can just do it yourself later.

Goodman is just a little melancholy. It costs money to adjust the layout of a bank. If the bank carries out standardized decoration... it will cost even more!

"Yes, it needs to be changed. But there is no rush for now. After I get to New Haven, I will refer to how the big banks are generally set up and decorated, and then contact the design company. In fact, in addition to banks, there are many other places in China

We don’t have a hotel decoration plan yet. We still have to find a design company to do it. I hope they can give us a discount based on the fact that I have two big commissions at once!”

In addition to referring to other people's decorations, Carter is also thinking about when to go to Tiger, that is, Julian's place to see how an investment company should be arranged and set up. Follow along and learn!

After all, it is also the business department that I am in charge of. I am always shouting about investing! Investing! But what does an investment bank really look like, what positions and manpower are needed, but I am completely confused.

However, Carter did not say this for the time being. Instead, he brought up another topic:

"By the way, Goodman. I just thought about it. Just adjusting the layout doesn't seem to be enough space. I'm afraid the backyard needs to be cleaned up, and then let the construction company send someone over to move the main body of our building toward the backyard.

Let's expand it... When we have money later, we can build a magnificent head office building!"

"This... is the same. How is the construction of your Dongfeng Logistics warehouse going? There must be a place to put these physical assets!"

"I don't know. I'll go take a look tomorrow. I'm just going to the Argyle City Hall. Nissan will also send an inspection team over in a while. I have to communicate with them and let them prepare well. If

Nissan can also come to our place to open a factory, and the economic development of this area will be completely stabilized. When this difficult period is over, we will have a very stable base camp..."

"Oh, by the way, there's one more thing. I've talked with Toyota. Their funds coming into Georgia will go through our channel. I didn't ask who the first-level intermediary bank is, but it's probably Bank of America.

Please pay attention to the news during this period and don’t miss it. In addition, there is business reorganization. The settlement center must be started first and be ready at any time. This is a lot of money!”

"And...Nissan, when the inspection team comes, remember to go there. Grab the settlement business as well. I'll go to the Automobile Workers' Union to give them a platform for Japanese car companies. It won't work if they don't give us enough benefits.

!”
Chapter completed!