Rural Bankers Association of the Philippines- Microenterprise Access to Banking Services (RBAP-MABS) Supervisors Training Course Supervision

Supervisory Issues What are the main problems affecting the work of Supervisors and Branch Managers?

SUPERVISION

Course Outline Key concepts of supervision Roles and Responsibilities of a Supervisor Key Skills of a Good Supervisor Personal Qualities of a good Supervisor

Purpose of Supervision The purpose of supervision is to provide oversight, guidance, and support for account officers, to enable them to do their jobs more effectively.

Key concepts of Supervision Concept 1 – The supervisors must clearly understand the bank’s expectations of them as supervisors. Concept 2 - Competent supervisors share key skills and personal characteristics Concept 3 – Good supervisors adopt to changes

Roles and Responsibilities BASIC FUNCTION SPECIFIC FUNCTIONS A.Meeting loan targets a. Loan growth b. Portfolio quality Meet with AOs to review accomplishments towards targets and work plan Review problem accounts and actions to be taken Review other issues and problems, and actions to be taken

BASIC FUNCTION SPECIFIC FUNCTIONS B. Supervising and monitoring daily AO activities and ensuring 100% on time payments by clients Select at random at least 5 client folders for visitation, validation, and client feedback Review each AOs collection performance Help AOs in following up clients with missed payments Continuous job coaching Ensuring proper interviews and thorough CIBI Supervisor Job Description

BASIC FUNCTION SPECIFIC FUNCTIONS C. Reviewing and endorsing loans to the Credit Committee for approval, restructuring, and legal action. Review CIBI and cash flow for completeness and accuracy Review documents of loans scheduled for release Brief clients on loans policies immediately before loan release

Supervisor Job Description BASIC FUNCTION SPECIFIC FUNCTIONS D. Ensuring safekeeping of loan documents of the microfinance unit E. Maintaining harmonious working relationship among the MF staff Make sure that all loan folders are kept and filed accordingly after every loan release. Conduct a periodic discussion or dialogue with MF staff to find out and solve relational problems and issues.

Supervisor Job Description BASIC FUNCTION SPECIFIC FUNCTIONS F. Training the MF Staff G. Submission of MF reports to management Provide continuous training to MF staff particularly to the new account officers Update managers on activities, accomplishments, and problems of the MFU

Supervisor Job Description BASIC FUNCTION SPECIFIC FUNCTIONS H. Participate in Credit Committee meetings I. Strictly enforce among account officers operational policies Regularly attend the Credit Committee meetings Enforce bank and microfinance policies and procedures Enforce policies and procedures in handling cash

Characteristics of an effective and efficient supervisor Good leader Good decision maker Good communicator

Qualities of a Good Supervisor Trustworthy Consistent Models good behavior Positive attitude Empowering Supportive Hard working

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