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MABS Account Officer’s Refresher Course

MABS Account Officer’s Refresher Course. MABS Technical Resource Specialists Training-Workshop. Why focus on account officers?. Account officers are a vital link between the bank and its target-clientele – the microentrepreneurs.

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MABS Account Officer’s Refresher Course

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  1. MABS Account Officer’s Refresher Course MABS Technical Resource Specialists Training-Workshop

  2. Why focus on account officers? • Account officers are a vital link between the bank and its target-clientele – the microentrepreneurs. • Account officers have the crucial task of generating, evaluating, recommending and monitoring loan accounts. • Account officers are therefore the bank’s profit-generating centers.

  3. The AO Training Course Objectives: • Explain the role of rural banks as financial intermediaries and as microfinance providers • Identify and explain why MF best practices and principles are important to incorporate in microfinance product design and implementation • Understand that character and capacity to pay are the primary basis for evaluating microfinance loans

  4. The AO Training Course Objectives: • Properly employ client selection tools which are the loan application forms, CIBI forms and cash flow analysis template and worksheets • Explain the concept of zero tolerance against delinquency and how account officers/loan officers can pursue it • Demonstrate skills in selling the benefits of their microfinance loan products while adeptly handling possible objections from clients

  5. The AO Training Course Participants: 1. Intended for new account officers to equip them with basic knowledge and skills on how to implement and manage a microfinance loan product with individual liability. 2. Recommended also for regular loan officers who are given supervision responsibility over account officers and members of branch/bank credit committee responsible in evaluating and approving microfinance loans.

  6. The AO Training Course Participants: 3. With some modifications, the training course can be given as a refresher course to old or existing account officers whose performance needs improvement.

  7. The AO Training Course

  8. The AO Training Course

  9. The AO Training Course

  10. The AO Training Course

  11. When to Conduct the AO Training Course • The complete AO Training Course must given to all newly-hired account officers • The bank must give the training during the first month of the trainee-account officer’s stay with the bank • It is best that the training course be delivered on a per module within a 4-week period. In this way, the trainee-account officer will have the time to apply the concepts on field while being handheld by an experienced account officer/supervisor.

  12. AOTC Training Design

  13. When to Conduct the AO Training Course • Specific modules of the AO training course can be delivered as a stand-alone course for old account officers who need re-training and re-tooling. In training old account officers, they shouldn’t be mixed with new account officers.

  14. When to Conduct the AO Training Course • To determine which specific module to deliver as a stand-alone for old AOs, product manager/MFU supervisor must do a training need assessment using MABS Effective Supervision tools: portfolio analysis and compliance with policies review.

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