The DO NOT's in the Banking Industry,
-Do not be scared of getting fired because you dared to send a direct mail to your GMD,the big question is are you certain about your idea and how well it would cut cost or grow profit for your bank.

-Do not beg customers for deposits, they have started looking at bankers like leeches.Simply understand the client's business, then network d worthy customer to, another trustworthy customer.Tell both to do their independent checks and due diligence on themselves.Customers will transact through you.

-Do not simply take a customer's request letter for a genuine facility and tell them it doesn't fall in line with your bank's product paper so you can't deal, You are meant 2 b a professional,sit down,think out structures and transaction dynamics.Some1 currently wrote and got an approval for the product paper u r currently using in the bank, design a new PP(product paper) making sure it's water tight.All risk factors are mitigated,proper transaction dynamics and conditions precedent to draw-down.Bottomline,step out of your box.I was able to do that so any1 with guts and strategy can also convince management.

-Do not keep reviewing bad loans and call them risk assets.

-Be discerning to know how to freeze or zerorize risk assets when you know it's been a bad loan for years and you still have it running at default rate which is higher than interest rate and dictates in the money market

-Do not request a loan from your bank putting the security/collateral as the strength of your request.Every serious and structured bank is more interested in your quality/consistent source of repayment rather than collateral.No bank derives pleasure in trying to sell collaterals to paydown facilities.

-Do not just sign Offer Letter's, unfortunately,customers do not know there are some upfront fees they can negotiate and muscle a bank to reduce based on their Debit turnover with the bank, www.21stcenturyjoseph.org; facebook (David Ropo Lawale); twitter (c21stjoseph)