Rebirth 79: I opened a bank in the United States

Chapter 389 Great Reorganization

Bank mergers and the establishment of a comprehensive and relatively modern banking framework require a lot of preparations.

In addition to the three major credit business groups, which will benchmark against future mutual savings banks and commercial banks; and the equity investment business group, which will benchmark against future black flag investment banks, many functional departments need to be newly established or reorganized.

The overall framework is considered in three dimensions:

First, the administrative management structure from top to bottom: head office-sub-branch-branch-saving bank, divided into four levels.The psychological positioning of a branch in Carter is a banking institution in a certain state that has the function of managing other branches. Obviously, this level of bank does not need to be set up for the time being.At least until the banking industry is allowed to operate across state lines, there will be no need for branches.

Second, it is divided by function: the operation 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, legal affairs, financial support, personnel and logistics material management; responsible for processing transaction instructions The settlement center; the risk control and quality supervision office responsible for reviewing risks and loan quality; the technical department responsible for providing technical maintenance for computers, the Federal Reserve’s large-value transfer terminals, and exchange market automatic reporting machines; and a reserve for black Market and Industry Research Department of Banner Bank Think Tank.

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

For example, under the operation department, there will be the savings business department that sits at the counter, and the three major 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, there is no manpower in this department for the time being.
Because there are not enough manpower!
According to the standard bank operating structure in Carter's mind, there is a third observation angle, namely the so-called front desk, middle desk, and back desk.
The front desk is a position that directly faces customers. As long as it is directly facing customers, no matter which department or business group it belongs to, it is considered a front desk position.For example: the teller post in the operation department, the lobby manager post, the credit specialist and manager post in the personal credit business group are all front-end posts.

The backstage is a post that almost never sees customers, such as the transaction processing personnel of the settlement center; the technical personnel providing technical support in the technical department; the loan quality review personnel of the Risk Control and Quality Supervision Office, etc. are typical background positions.

Zhongtai, on the other hand, exists between the two.Or they need to communicate with the front and back ends, or they work in the background work most of the time, but occasionally they also need to enter the front desk position, such as risk control review personnel. Faced with doubtful loan application materials, they can choose to meet customers for a second trial ; Another example is some inter-industry account managers, key account managers, etc., which are different from standardized retail businesses.The conditions for these institutional clients are often discussed in detail on specific issues.
For example, the interest rate standard of the loan that will be allocated to the Toyota factory is much lower than that of ordinary personal credit customers.Facing this special customer, a business manager who is good at communication is needed to actively coordinate with the backstage.Otherwise, don't talk nonsense, the application for the 6% interest rate standard will be sent to the quality review team, and they will take a look.
Huh? !Your brain was kicked by a donkey?Dare to let this kind of interest rate?Then reject the application directly, then it will be a coke
Carter and Goodman didn't put down the pens in their hands until the lights were on.After stretching tiredly, I wanted to get a cigarette to relieve my fatigue, but found that the cigarette had already been used up.
"The changes this time are not small~ It takes less than half a year for the recruitment of newcomers and the adjustment and adaptation of the elderly. I guess it will be difficult for them to function normally."

"Yeah, just in the first half of the year, our core task is to lay a solid foundation. Take your time, don't worry, start from September, until March next year. Let's add another three months, until June next year. Nine months , internally, adapt to the new working model; externally, eat all the savings banks in Coffey County and Atkinson County!"

"No problem, next June, you will come back to check the results. Oh, yes, after this adjustment, there will be a merger of the bank. The decoration layout of the bank will also have to be changed? Our current layout is not quite the same as the model you conceived. Match! At least, we don't have that much backstage space at all right now to accommodate the many backstage positions you have set up."

There is no mention of the replacement of the bank license, whether it is a name change or the integration of the four banks.This is not a difficult task, just go back and do it yourself.

Goodman was just a little melancholy.It costs money to adjust the layout of the 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 those big banks usually set up and decorate, and then contact the design company. In fact, apart from the banks, the Chinese side I don’t have a hotel decoration plan yet, I still have to find a design company to do it, I hope they can give us a little discount on the basis of my two big commissions at once!”

In addition to referring to other people's decoration, Carter is also thinking about when to go to Tiger, that is, to see Julian.See how an investment company should be arranged, set up.Follow along and learn!
Anyway, it is also the business department that I am in charge of, and I am also clamoring for investment all day long!invest!But what kind of real investment bank is, what positions and manpower are needed, but I am at a loss.

However, Carter did not say this for the time being.Instead, bring up another topic:
"By the way, Goodman. I just thought about it. It seems that there is not enough space for the simple layout adjustment. I am afraid that the backyard also needs to be cleaned up, and then let the construction engineer send some people over to move the main body of our building towards the backyard. Let's expand it. When we have money, we can build a magnificent head office building!"

"That's true, how is your warehouse at Dongfeng Logistics doing? There must be a place for these physical assets!"

"I don't know, I'll go and have a look tomorrow. I just happened to go to the Argyll City Hall, and Nissan Motor will send a delegation over in a while. I have to communicate with them and get them well prepared. If Nissan can also come to us to open a factory, and the economic development of this area will be completely stabilized. When this difficult period passes, we will be able to have a very stable base camp.”

"Oh, yes, there is one more thing. I talked with Toyota, and their funds will go through our channel when they enter Georgia. I didn't ask which first-level intermediary bank is it, but it is probably Bank of America. This paragraph Please pay attention to the news in time, don’t miss it, and the other is business restructuring, the settlement center must be set up first, and be ready at any time. This is a lot of money!”

"And there's more. Nissan, when the inspection team comes, remember to go there. Take over the settlement business as well. I'll go to the auto union to give them a platform for Japanese car companies. It won't work if we don't give us enough benefits!"

(End of this chapter)