REFRESHER'S TRAINING 13TH AUGUST,2022

Meeting Commenced by 10:50am with an opening prayer by Branch Manager

Dare. Immediately after the prayer all staffs introduced themselves with their
zones after which the training anchor Zonal Head Tutu from Ekiti Zone lead the
introductory objectives of the training.

 ZH Tutu lead down the mission and vision statement thereby highlighting
the important areas and points on the mission and vision statement of the
organization. She further admonished the staffs to ignite the fire and zeal to
push for growth and sustainability. Secondly, to build good client
management skills thereby having good cordial relationship with them.
 She encourages the staffs to have good communication skills between
themselves at work place and with clients.
 To have a good listening ears so as to pay maximum attention to everyone's
information and then try to process it to give a resolved solution.
 To have a positive attitude and good relationship towards staffs and staff-
client.
 To use body language as a good communication method and approach.
 To use a feedback sandwich for message collection and responsiveness.

In addition, at about 12:38 pm, short break was observered and at about 1:00 pm
the training continued.

The second stage of the meeting started by the introduction about the
organization target which has already been set in the platform before the
introducing the topic portfolio management by the moderator.

 She continued by stating the portfolio management key element that

needs to be followed properly by staffs which includes; punctuality of group
members and staffs to Unions, proper preloan training and client business
verification so as to build a healthy portfolio.
 She further stressed on the poor rate of registration, high rate of over due
across the organization, the aches that the organization faces in the default
that the branches records daily and she admonished the staffs to embark
 more on verification of client businesses and work on the low rate of
registration.

More so, questions were asked to the moderator by the staff members and she
summarized it by stating that if we do our verification well and know our clients
well thier will be reduction in time spent during loan drive on daily basis.

Furthermore, there have been recommendations by staff members which

includes:

1. provision of loan drive department.

2. Increase in staff daily transportation due to weekend loan drive but the
moderator admonished them that it was the field staff management
suggestions to embark on weekend loan to help reduce default casued by
busy weekdays, therefore, management can only look into the
transportation and can be reviewed if the effect of loan drive is seen in the
everyday work or portfolio.
3. The moderator stated that there are some quality control measures to help
cob high rate of portfolio and the need to have a good managerial skills.
4. She informed the staffs that there are two resources mangement which are
human and material and advised staff on every of resources needed which
should be manged well.

During the cause of admonition, the moderator Zh Tutu stated that resolving
conflict as a vital skills is needed by all staffs and there is a need to improve on
that which includes controlling your emotions and communicating well with
clients and fellow staff members. She continued by speaking about work life and
relationship between staffs in the environment so as to have a healthy work
environment because your fellow staffs are the first line to call therefore, there is
a need to balance your personal and professional life and allow the work
environment to be friendly and accomodating. For staff development and growth,
she speaks that th staff should grow healthy portfolio in other to be qualified for
promotion which is in line with the center policy.
Going into the speech, she stated that BPA platform has come to stay which helps
to reduce a lot of calculations so we should try to balance the work on daily basis
and supervisors are advised to check the balanced work on daily basis to gian a
100% compliance needed for the management.

In conclusion, questions were asked and is as follows;

1. Why is it that staffs who hbe worked for a maximum of ten years are not
well appreciated or awarded? The moderator replied saying that staffs
should not compare themselves with clients the paramount thing is for the
organization to recognize the staff.
2. Solar loan? It was replied to staffs that the organization has provisionfor
solar loan and there is a unit charge of it so it is adviced to contact the unit
through the line supervisor.
3. Parking allowance? It was replied to that the allowance is in process and
will be paid.
4. Clients gifts? It was replied to that there re many soci events that the
clients can benefit from either by scholarship, grooming splash or ten years
appreciation.

At about 5:00 pm the meeting came to a close with a osing prayer by Branch
Manager Lawal.