Rebirth 79: I opened a bank in the United States

Chapter 256 Staged Arrangement

What was going on in the Japanese community, Carter was unaware of it.

Carter, who only felt that everything was going well, stayed in Argyll for another two days after the full acquisition of Bath Bank.With the help of William, the manager of Forest Bank, he sorted out the affairs of Bath Bank.

Unlike the previous annexation of Forest Bank, which directly took over a well-organized bank with sound systems, Bath Bank is full of holes from top to bottom.The external economy is deteriorating, and the market is not optimistic. Internally, the boss and manager, the old Bass organized a group to meet the Lord, coupled with the hiccup security, and some staff who chose to resign after being frightened.It's crazy to be short of people.

No wonder Mrs. Bath couldn't bear it within two months after inheriting the Bath Bank.It would be amazing if the old lady in her [-]s and [-]s could take care of this mess!

Staff were transferred from Douglas' Black Bank and Pearson's Forest Bank, and after barely resuming the normal business operations of Bath Bank, Carter hurried to Atlanta again before he even had time to check the accounts.

In the FDIC Atlanta branch, after completing the application procedures for the subsidized loan, accompanied by Patterson, he turned to the Atlanta Federal Reserve and submitted a loan application in the name of DOG Real Estate Company. Naturally, several copies were attached Guarantee documents issued by the local government.

The credit manager in charge of receiving Carter almost dropped his jaw in shock when he got these materials.

It's not unusual for the Atlanta Fed to meet lenders with government guarantees.But you took out seven or eight government guarantees all at once, is this a bit too much? !

Pushing the glasses on the bridge of the nose, the credit manager was surprised, but he didn't keep Carter waiting, and gave a quick reply:

"Sorry, Mr. Black, your situation is a bit special. I have to temporarily put the application process on hold, please give us some time to confirm the authenticity and validity of these guarantees!"

As it should be!There is nothing to say, leave the paperwork at the Atlanta Fed, and Carter returns alone.
"How is it? Is everything done?"

"It's okay, the guaranteed loan from the Federal Reserve will take some time to review. Haha, I've never seen so many government guarantees. It's scary. If it wasn't for Patterson, I would probably be kicked out as a liar!"

Leaning on the chair, thinking of the expression of the credit manager of the Federal Reserve Bank in the afternoon, Carter smiled for a while:
"By the way, the subsidized loan from the FDIC should come down within two days. You can forget it for me later, and let Nicole inform Manager William! How is her performance these days?"

"How should I put it, the little girl's attitude is okay, but she still lacks a little spirituality. Don't you wonder how Patterson chased him to Hawaii in the first place?"

Goodman smiled, and his evaluation of Likris was very objective.

"That's right, she. Forget it. Fortunately, nothing bad happened. Since it still doesn't work, you can decide. If you think it's easy to use, you can take her with you. Now Black Bank has selected a group of people to leave. Of course there is a shortage of people, you don't have to worry about my face, work is work, if you think she is not competent, transfer or fire, you have the final say!"

Thinking of the problem of lack of talent, Carter has a headache.In the face of this urgent issue, Carter really didn't bother to take care of Li Kelisi's affairs.

Use it if it is suitable, and put it down to exercise if it is not suitable. Besides, if you can work and study with Goodman, you are not mean and ungrateful!It's just that this one below is, well, kind of weird.
Carter suddenly thought of the two-month subscription in Hawaii. No, it was an employee problem:

"Goodman, tell me, can we rehire those who left Argyle? If you are worried about safety, you can rotate with us at Black Bank, or transfer jobs in parallel. They shouldn't worry about Douglas, right? "

"I don't really agree with this. The people in Douglas are willing to go out now! Moreover, when they come here, they have to receive training in electronic trading again. It's not good to transfer them all at once. If you want to do it, you have to transfer in batches. In this case, who goes first and who goes later is another problem.”

Goodman shook his head, thinking that this was an idea that was too bad to search for!

He is living a good life, and Douglas is getting better with the naked eye. At this time, if you transfer him to Argyll, isn't this a distribution to the frontier?No, I'm afraid it's not even as good as the frontier, it's almost like exile.

If you do this, it will be strange if the employees below have no objections!

Originally, it would be troublesome if there were few people. If the employees get angry again, will they still be able to do the job? !
"The problem with the grassroots employees is okay. If Old Buss is not good, at least he treats his employees well. Those people will not work or starve to death for a while, so they should not rush out to find work, and the current environment , Which savings bank dares to recruit people on a large scale? Loans are even a problem!"

"By the way, some people have lost their temper recently! The deposit rate has already started to rise, and nearby Ocilla and Fitzgerald have risen to 12.3% and 12.5% ​​respectively. Do we need to follow suit?"

"We are still 79% of 11.2, right? If the gap is about one percentage point, we should not be attracted to it. Didn't you just say that our Douglas is still very attractive now."

Carter groped his chin and pondered for a while before giving an answer.

If according to the standard of the same period, it rises accordingly, then the interest on deposits in your own bank will be higher than the interest on loans.Although I have already prepared in my heart for the bank to lose money for a few years, maybe I will lose less, so naturally I have to strive for less loss.

"Okay, I get it. Then I'll pay more attention to the surrounding area later, and the opinions of the public. I will explain it later, and let them help us pay more attention to it these days."

"Well, if the public's opinion is relatively strong, then consider raising it as appropriate. My current cash, um... Although it is a bit embarrassing, I am not in a hurry to absorb funds at this time. Or, now I estimate that our reserve will take a while It will not absorb much."

The activity of the market is directly linked to the currency circulation. To maintain the economic vitality of Douglas, it is necessary not to allow a large amount of cash to enter the bank's vault to grow hair.
After thinking about the current situation of Douglas, Carter continued to make arrangements:

"There is another employee problem. Forget it, I will go to New York tomorrow and find a headhunting company to help. I feel that the current talent gap is not something that we can slowly cultivate and discover. DOG Construction also needs to recruit some people. Appropriate road and bridge engineers to be the technical backbone, the bank side. In terms of finance and accounting, is there still a shortage of people?"

"It's still a few short. After you went to Hawaii, I assigned a task to Nicole, which is to investigate the work history and professional background of those new guys. Not to mention, I really screened out some accountants , now there are still two settlement directions, and there is still one cost accounting direction on the construction side."

"At present, as a cost accountant, it is a bit difficult to do the accounting of small projects such as residential areas. Wait for your highway to start."

(End of this chapter)