₦airaland Forum

How ws ur day bro.......*Chris1

chrisI: helo ma people...hw did ur day go? We thank God for the end of anoda day...as each day ends, we draw closer to the day wen we?ll get our invites for medicals..realy excitd in my spirit...nt gonna talk about how nervous or tensed up we feel, coz dat wouldnt help anybody, least of all me...all we can do is hope nd pray for the best...i pray that the lord Jesus wil grant us our heart desires. To my broda beam, congrats on ur job...as we celebrate wit u, may God put testimonies on our lips as well...i cant wait for the day wen we'll talk as full H.B staff..congrats again

U no dey slip??

Any latest development on Diageo....Yu ppl shd nt liv dis Thread lik This nah,!!!

Ok I ffink I knw what to Do ;DAny latest development on Diageo....Yu ppl shd nt liv dis Thread lik This nah,!!!

Ok I ffink I knw what to Do

Am particlarly happy fr The Prayerfl Beam who just Got employd by Pwc......Congrats paddimi,always known u wre destined fr d Top.....All duh Best as u kickstart ur career wiff Pwc....

Am rili so proud of u......Tom,Armani,CuteYem.......And I c dis as a focal point fr us dah ar stil waitn on God For Positives....it s well wiff us all..... I knew u guys were intellectuals ryt frm Day1 and 1 pray fr mur biutifl ffinz to com ur way...IJN...all d best as u kickstart ur careers...Am s Proud f u

U c now!!......Kamnelly s no longa commentn,dats seriousli nt fair...
We wre actuali bou to start enjoyn dis Thread in a longtime...Buh u guys justscattered hre wif arguments..Its nt good nah,while we wait,we can always talk bout things dah myt prep us fr d TS..I don't c anyffin bad in That!!

My 1kobo!!

[quote author=bayus_2003]its now responding. try again![/quote]Fanks

Its not going joor........Not delivering....Mailer Daemon

Been waiting for Punch to bring this out siiinnnce.......Buh now??......why now??!!
Gotta Think Though...av always lovd writing!!!!


Lol

Kamnelly: U knw we shld really try to understand somethings before we jump into them.

Hmmmmmn!!!!!.......

Kamnelly: U knw we shld really try to understand somethings before we jump into them.
I talked about cheques and someone said he/she wasn't carried along then i came down to step 1 in banking and tried my best to explain it. Obassey wat u said ws right but concluding i ws showing off wasn't fair.we are all here to help each other.
Probably at d TS they wld expect us to understand very fast because they believe they selected d best. Am a banking and Finance student and i thought it wise to share my little knowledge but thou it ws misunderstood but i hope u people knw dat in as much as we wish to all be called, am nt even sure i will be there, that not withstanding i just wanted to enlighten the house and it ws misunderstood. But i think its best if we obey obassey's decision and nt show of. Always Love u all

Hmmmmmn!!!!!.......

Giovinco: deturla,,d man of d pple,,carry go,,i hail u

Yaaaaaaaaay!!!!!!!!*Dancin on Ma seat........Giovinco!!....Howfar Man...Imagine...so my chat brought u back here, I miss yuh Man!!!wow!!

RealJabak: He truly his....especially one-on-one.

1 or 1 kwa??.....For wia?........Anyways The Beam,Thanks fr d compliment....ma mommy z nuffin buh an IJEBU wman...U'd mit er sumday,,,,...I promis u dat.....I stil dreamt bou yu....Re u ok now!!??..heard u wre sick....in my dream....LoL

Dat aside......I ffink it'll b so nice if we benefit a lil frm ppl dah hs a bit xperience bou banking...siiince al we get hre are insults and BBa gists....y'know??....and fr d very 1st time siince april I was begginin to enjoy s thread wiff mature and sensitive tots bou bankin till sum1 came wiff anoda scl of tot bout it......I don't ffink I kno any1 on dis thread not to talk of tryna to show off........Buh issokay....I dunno how to insult pple.....It's not my ffin...Buh for d very 1st time in dis thread....Let's just talk bou banking generally.......I'd love to learn frm all and sundry..........And am seriousli xcited bou meetin intellects like mself.....to share ideas and relate....Let's keep dis thread alive....Kamnelly whr thou art..No allow dah guy relegate yu nah...trust u*winks

obassey: I really appreciate the enthusiasm expressed on this thread, but this feels without trying to sound rude a little show-offish in my opinion. I mean,it is a graduate trainee position we all applied for so y r u trying to lecture us. I sincerely don't see the point. It is ok to update us on the success or recent happenings in Heritage bank but to come here and start talking about clearing officer and e payment is totally unnecessary. i dont mean to rain on ur parade,except u have a good reason why u r doing it or there are potential customers on this thread i suggest u stop now please and stop making the rest of us with no bank experience feel bad.All we need to know about banking will be covered during TS.

Oh sorry man,I guess I startd all this...I only did it in d interest f all and sundry...chek ma oda posts on dis thread,neva showd off,aii.....just did dis to show my enthusiasm bou workin wiff HB, I op d apology. S accepted....issorait...I rest my case...
Btw any news on HB??.....Latest??

Bizi now....ll b back L8r...so,Kam....Up to u.....Ciao!!!!

Kamnelly: D bailee bailor started n d time of d goldsmith wen a customer brings his / her treasures like gold, certificate etc in our modern world. D customer becomes d bailor while d bank is d bailee.
D bank keeps and preserves d customers treasures.
Principal /agent d bank acts as d customers agent whom d customer tells to pay his /her insurance premium or buy shares etc d customer is d principal

You can always start small......so dah pple whu doesn't av all d experience wil get a grip and understand...let's start wiff d Basic wich s d RETAIL banking, you get me!!!

Julieccentric: i dont know nada about banking operations but am ready to learn..I have always been an accountant

Yea Julie........My Hop is a die Hard Accountant wiff a lotta...Certs and all,I don't kno nada bou Accountin just bou startn ICAN tho cos its a necessity in Banking, yu dig....Buh feel free and ask qns....am sure mself and Kamnelly can give d lil we knw....as regards it....

CuteNCuddly: Abeg na? This thread is for graduate trainees please. If you want to start ur own training school,open a thread for it, or better still, start from the beginning here...some of us dnt know jack about banking. We just know that they always look pretty.

Dnt get me wrong o, I am willing to learn from you guys but you have to start from the beginning so that you can carry everyone along.

Me I have experience in e-banking. I know how to check my balance and withdraw money from the ATM

Sorry CuteNcuddly....Just Tryna enlighten ourselvs no ni....u re funni tho
Hehehehehehehehe!!!!

Kam paddi,me Z waitin fr ya...am comin out wiff more.....Retail banking at its best!!!HB is gonna Adore us all...am so sure f dat!!!

The Area of I'm so specialised in and am so in love wiff is The E-Banking Aspect of Banking...

Here we Have The PayDirect Platform.E-Transact,Pay4me, etc etc...There's also 1 my Banks Calls U.I.P..

U.I.P is a platform where Funds are Transferred electronically btw Banks...for Instance Kamnelly is a walk-in Customer whu lives in Idanre,Ondo state and wants to deposit money in2 his account GTB in Akure,......Since dre;s no GTB in Idanre, he walks in2 my bank and the CSO directs Him to Me as a Funds Transfer/E-payment officer..........
Getting to me he picks a UIP form and doles out instructions on how much he wants sent to his GT account....After filling the form, He pays d Money wiff probably a commission of a hundred naira depending on d charge of d Bank...after depositin d moni in2 d TILL Account!!
He comes back to me and then I Mark His Transaction on My platform,This Goes to the Checker...Who myt b the HOp or an High ranking Officer in d Bank....After goin tru d details f d transaction...He authorises and whew!!!

Everyffin pans out well!!!!

Am Comin out soon wif Govt Revenue Collection...Just like d 1 HB Just signed wiff Nigeria Customs...I kinda Lov banking....

For The Clearing.....My bank takes 72hours b4 d cheque is cleared....we pay Govt workers esp The Teachers... Who bring in what s called a Shedule of payment...Here My friend Machines The schedule and then sends the cheque to the Bank for Clearing.... For Instance...A cheque of Enterprise Bank s brougt to Union,Den the Cheque s sent fr Clearing, this is to enable the Bank whr d Account is Domiciled....To pay the Bank....where the cheque s Taken To...Dre's A GL account...In my bank,we Call it SalaryGL....Account,den we Credit The Customer's Account asap!!....And Viola....U geh Ur money!!!!

Kamnelly: About clearing cheques
we have d clearing officer who goes to d cbn to clear d cheques of a particular bank.
He is called d clearing officer. In Nigeria a particular date is separated for clearing cheques at d cbn (remember cheques above 150000 or so are not cashed across d counter.)all other clearing officers from other banks come together and cheques are exchanged eg macayo with uba cheque pays kamnelly 200000. Kamnelly pays it into her account at heritage bank. Didi with heritage cheque pays Julie 300000 and she lodges it into her account at Uba.on dat day d clearing officer from UBA will exchange d cheque with d officer for heritage bank and then uba will be owing heritage bank 100000 and this will be noted for next clearing date. Hope this will be an idea

I lov this kamnelly....Thanks!!I av an idea bout dat too...cos ma friend whu's a clearin officer does that!!!

The decision of Heritage Bank to remove
Commission On Turnover (COT), from
transactions in the bank, has continued
to generate commendations from the
bank’s customers, depositors and
shareholders.
Heritage Bank, which opened doors for
business in March this year, had stated
from the outset that it had no business
charging its customers COT. It also
distanced itself from the hidden charges
in the sector.
Speaking to the Nigerian Tribune, the
Chairman, Proactive Shareholders
Association of Nigeria (PSAN), Mr
Oderinde Taiwo, said the introduction of
zero COT, while other banks were
working towards 2016, was quite
commendable, stating that the bank had
started well and must be applauded by
all stakeholders in the sector.
He averred that the bank’s customer
service was already endearing it to the
hearts of depositors and customers in the
industry, urging the management of the
bank to sustain the service delivery
mechanism.
“This bank is bringing lot of innovations
into banking practice. In some of the
branches I have visited, it has been
service delivery at its best. Also there is
nothing like hidden charges in the bank.
I believe this will attract many
customers to the bank,” he said.
Also speaking, a customer of the bank,
Mrs Omonigho Osifo, said the bank did
its homework well before commencing
operations.
According to her, the bank has come to
address the shortcomings in the sector,
stating that its customer’s relation,
service delivery and technology were
second to none in the industry.
He called on Nigerians to open account
with the bank and avail themselves of
the service provided by the bank.
Only recently, Heritage Bank announced
the successful implementation of Infosys
Finance in world record time of just 50
days to drive its core banking and
treasury business.
The solution empowers the bank to
deliver seamless service to its growing
customer base of High Net Worth
Individuals (HNWI), and to roll out new
offerings for the small-to-medium
business banking segment.
With the deployment of this technology
in 50 days, the bank has met the go-live
mandate set by the Central Bank of
Nigeria (CBN). With this core banking
solution, the bank will achieve
significant automation in both front and
back office operations, reducing manual
effort and optimising banking processes.
According to the Managing Director/CEO
of the bank, Mr Ifie Sekibo, the bank is
expected to grow by 13 more branches
by June 2013 from three branches it
started with, adding that they had no
plan to compete with the so called big
banks as their services were going to be
quite different from what other banks
do.
Heritage Bank emerged from former
Societal Generale Bank of Nigeria (SGBN).
It is one of the two banks whose licenses
were recently restored by the CBN
following court orders nullifying
the revocation of their licenses.
SGBN has now resurfaced in the Nigerian
banking scene as Heritage Bank in
March this year. It began accounts
verification of customers of defunct
SGBN on January 28, 2013 to give the
customers the opportunity to either
withdraw their money or reactivate
their accounts with the new bank.
The bank provided 13 designated centres
across the country for customers of
former SGBN to revalidate their accounts
and collect instant cheques of the value
outstanding in their accounts
if desired. The centres spread over
eleven States/Cities included Lagos, Oyo,
Kwara, Rivers, Delta, Akwa Ibom,
Bayelsa, Adamawa, Zamfara, Kaduna
and FCT.


Am so in love wiff....Especialli d The part of increasin the Branches...Make dem sha bring branch come Ondo state ooo...lol....Nice 1 Heritage, am wiff yu all duh way!!!!!!!

Kamnelly: Well well i can share d little idea i have about banking with d house

Thank God!!!

Av Got Experience as a Transaction Officer, E-payments,E-banking,Govt Revenue Collections......

And a Lil Bit of Cash Management and Tellering.........Buh Ma experience s solely on E-Banking Services!!!........
Lemme av Yu Kamnelly!!!

Welcome Heritage Bank!!!!

www.dailytrust.com.ng/index.php/business/58578-heritage-bank-bdan-partner-on-capacity-building

Experience!!!!!!!


www.brandcrunch.com.ng/bnrch/index.php/business/984-nigerian-customs-partners-heritage-bank-towards-improved-revenue-drive

Welcome Heritage Bank!!!

This is my Area of specialisation,atlist wiff. D lil experience I av in retail banking............

Welcome Heritage Bank!!!!.....

www.humanipo.com/news/6939/Heritage-Bank-migrates-to-Nigeria-Instant-Payment-production-environment

Anybodi Here wiff Experience dah applied fr Graduate Trainee......Lemme Have You...Thanks!!!!!

Kamnelly: Father Lord God as we put in our best effort for the growth of Heritage bank and the achievement of it dreams, vision and mission may we beat other banks in terms of technology and may we have large number of customers and may our customers be satisfied by our services in Jesus name. AMEN say AMEN ALL HERITAGE BANK STAFF IN THIS FORUM. REMEMBER TO DECREE A THING AND OUR GOD WILL ESTABLISH IT. GOODMORNING ALL

We are a tenacious team.....Committed to delivering dinstictive financial services building on our legacy of innovation and patnership to cr8,preserve and transfer wealth accross Generation.........

Chris!!!!Did u dream 2day....well....I dint ooooo.......HB on mi minD

jtgpt: So, our ED is Ali Baba's wife! Got to learn some humour!

C dis guy oooh......So u no kno b4...Akpobome......The Name always ring a bell.....been ff alibaba since I was in secondary.scl!!!!!lol..........

Macayo: Am not out here to fight with anyone! and will not sit nd QUOTE ur comments cause i don't believe in exchanging words with people i don't know! MY APOLOGY goes to dos who felt smitten by my POST.

Issorait den.......Thank God for The Peace!!..............Is Dre Any1 on this Thread Who has Banking Experience...I wanna know Please...Just to share a lil of my experience no nI...

chrisI: hahahahahahahahaha deturla....r u in abj or lag! Lov u guys in this thread

No sir.......Am In akUre....Capital Of the Sunshine State.......Lagos HB hopeful.....U