Wednesday, 27 January 2016

Internship report on credit mgt of JBL(CHAP_2)

Chapter 2
JOB RESPONSIBILITIES
AND
OBSERVATION

JOB RESPONSIBILITIES AND OBSERVATION
I was assigned at the Adabar Link Road Branch of Jamuna Bank Limited to complete my internship program. During my three (3) months internship program I enjoyed the work at the bank but most importantly I learned how to work under pressure with great responsibilities. Throughout this time I have got the opportunity to work with different department of Jamun Bank Limited. There are 3 different departments in Adabar Branch and they are:

1. General banking
2. Credit Management
3. Foreign Exchange Department
I was rotated across all 3 different departments in the past 3 months. However, my main Concentration was Credit department and thereby, I allocated maximum time to work at credit department section.
2.1 The Nature of the jobs and my Specific Responsibilities
The first week I was in the Cash Department. Banks don’t usually put interns in this department but I was lucky to see firsthand what happens behind the counter. I did not have much responsibility in that department as I was not to mess with their hectic and hasty transactions, but they eventually did give me some work. My responsibilities in this department were just to assist them in any small way possible. I learned the following from this department:
• Counting money in various ways
• Use the counting machine
• Use the photocopy machine
• Counting the vouchers
• Checking the individual EOD (End of day Journal report) of each cashier
Although these activities were small, they helped me understand the nature of the work.
2.2 Observation
Working at JBL, Adabar Branch was a great experience for me. I have learnt many things from them. From my little knowledge what I have observed and some recommendations are as follows: It was very interesting working at Jamuna Bank. The people there are really nice and talented. The things that I have noticed and observed are:
•   Work environment is very friendly and employees are co-operative
•   Employees are active and sincere to their assigned job responsibilities
•   Work is never left pending for the next day unless it is absolutely necessary
•   The work process could be made faster with better computers and operating systems.
•   There is always a rush of customers so there is no standard on what the employees do throughout the day. The work activities of an employee is set, but what to do when varies along the day
•   The work activities are always set and divided for each of the employees. This is the way it should be, but when I saw it firsthand it was remarkable. Each and every employee has a certain set of responsibilities. He/she carries out those responsibilities throughout the day. It is also easy to assign duties that way. Even though this is the case, I often saw other staff members helping each other out.

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