Risk Management For The Community Bank - 843 Words

For the community bank, goals are incorporated into the risk management program established by the CRO and management. To ensure the bank serves the local community, the identification and management of risks and loss exposures, in addition to, policies and procedures enable the institution to thrive. Tolerable uncertainty, legal and regulatory compliance, economy of operations, social responsibility are pre-loss goals, whereas, survival, business continuity, profitability and growth, and earnings stability are post-loss goals. The attainment of each risk management is addressed. The first goal is tolerable uncertainty. According to Elliott (2012), keeping management assured whatever happens will be within anticipated bounds and effectively addressed. The developed risk management program has analyzed the risks for the community bank and aligned safeguards with the bank’s objectives. Accounting for the risk appetite of senior management guides the CRO. Through ERM an d traditional risk management, risk financing techniques and the purchase of insurance mitigate the identified risks. Legal and regulatory compliance is the second goal. This goal guarantees the legal obligations are fulfilled (Elliot, 2012). For the community bank as a whole entity, the CRO is responsible for assisting in managing this risk and the liability. For example, the CRO has implemented ERM strategies of planned and unplanned retention. The employees are aware of the actions necessary toShow MoreRelatedRisk Management Program For A Small Community Bank1012 Words   |  5 PagesRisk Management Program A risk management program provides the framework for an organization to assess the risks that the company faces. As a Chief Risk Officer (CRO) for a small community bank with one location, employing 30 people either in full-time or part-time positions, it is important to develop a complete, thorough risk management program for the bank. A thorough program involves planning, organizing, leading and controlling the resources of the bank in order to achieve the organization’sRead MoreRisk Management Program For The Small Community Bank1314 Words   |  6 PagesFor the small community bank, every action involves an amount of risk. A risk management program, which identifies, analyzes, treats, and monitors risks, is necessary for the bank’s operations. Mitigation strategies are implemented against potential losses or a bank failure. The executive in charge of developing and integrating the program is the Chief Risk Officer (CRO). The risk management program for the c ommunity bank addresses ten risks associated with Enterprise Risk Management (ERM) or traditionalRead MoreRisk Management Program For A Financial Institution . As1220 Words   |  5 PagesRisk Management Program for a Financial Institution As time has shown, financial institutions undertake an abundance of uncertainty causing unpredictable risk consequences. As a result, executives instill risk management programs to assist in managing the organizations risks so they align with the company’s goals. Commonly sought goals include legal and regulatory compliance, tolerable uncertainty, survival, business continuity, earnings stability, profitability and growth, social responsibilityRead MoreThe Objectives Of Senior Management1568 Words   |  7 PagesThis is a type of risk that the CRO must assess within the goals of business continuity. The objective of senior management is to be continuing operations as normal and business interruption risks affect the ability of the organization to continue operations normally. The CRO should identify the activities or accidents that would possibly interrupt business, determine the resources available internally to deal with the loss, and ensure that any resources identifi ed would be available to assistRead MoreEnterprise Wide Risk Management Framework And Process Essay1602 Words   |  7 PagesEnterprise-Wide Risk Management In order to effectively treat risk, firms must first apply a risk management framework and process. The enterprise-wide risk management process provides a broad approach to address and manage all of an organizations risk. Furthermore, this technique is comprised of four components, lead and establish accountability, align and integrate, allocate resources, and communicate and report. When implemented together these components are the essential to achieving an organizationsRead MoreRisk Management Portfolio Project. 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Compliance Structure 7. Compliance Functions Authority and Capabilities 1. Introduction The purpose of this document is to set out theRead MoreEssay on Risk Management in Banking1021 Words   |  5 Pagestrading. Bank is financial intermediaries which accepts deposits from general public and organizations and are engaged in lending activities. In other word, banking business is the business of receiving money from the market through deposits and paying or borrowing the fund to the capital market and general public as well. Banks undertake various financial activities such as investment banking, private banking, insurance, consumer finance, corporate banking, foreign exchange trading, community tradingRead MoreCredit Risk In Bangladesh Bank881 Words   |  4 PagesCredit risk has been the subject of considerable research interest in Banking and Financial communities, and has recently drawn the attention of statistical researchers. The exposure to credit risk continues to be the leading source of problems in the banking industry and as a result needs to be managed. Cred it risk is identified as a core pillar for the viability of banks and credit institutions (Michael et al., 2011) According to Industry insider’s opinion focusing on big lenders had damaged theRead MoreEssay The Extreme Joy and Expense of Having a Baby1695 Words   |  7 Pagesas compared to conventional banks. In 1974 Dubai Islamic bank which is the first Islamic commercial bank was established and later Islamic Development Bank (IDB) has been established in 1975 (Hennie and Iqbal, 2008). Hennie and Iqbal (2008) stated in their risk analysis for Islamic banks book that Islamic finance is a rapidly growing part of the financial sector in the world and it is not restricted to Islamic countries but, also wherever there is a Muslim community. Kenya is one the countries that

The Big Bang Theory Essay - 1122 Words

Name: sasabbie21 Course: Integrated Science with Lab Topic: What are some modern techniques being used to determine the age of the earth? When it come to the earth, whether it be about its life, time created or life span you can assure there will be many different theories and beliefs. In this paper I will attempt to explain the defined theories that exist which explain the age of the earth. Many scientists believes that the earth has a life span it is aging and it will eventually die, while on the other hand religion believes that the earth was created by God or a higher power and that the only one who can destroy it is God and no matter what we as humans do we cannot destroy it. When it comes to the earth and its creation and its†¦show more content†¦He states that â€Å"It seems that Quantum theory, on the other hand, can predict how the universe will begin. Quantum theory introduces a new idea, that of imaginary time. Imaginary time may sound like science fiction, and it has been brought into Doctor Who. But nevertheless, it is a genuine scientific concept. One can picture it in the following way. One can think of ordinary, real, time as a horizontal line. On the left, one has the past, and on the right, the future. But theres another kind of time in the vertical direction. This is called imaginary time, because it is not the kind of time we normally experience. But in a sense, it is just as real, as what we call real time†. (Hawkins, 2005) Religious followers believes that the earth was created around 1410-1450 B.C the time when the book of Genesis was written by Moses. The very first chapter of the book talks about the creation of the earth, Genesis chapter 1:1 â€Å"In the beginning God created the heaven and the earth† (Bible Society, 2004). This among other scriptures in the Bible is what religious people believe in and as far as new technology to determine when the age of the earth they still use the teachings of the Bible but from a different book. The book of Genesis speaks of the creation of the earth but the book that speaks of the end of the earth is the book of Revelations. The book of revelations speaks of how and when the world/earth will end, but the exact way in which itShow MoreRelatedEssay on The Big Bang Theory1340 Words   |  6 PagesThe Big Bang Theory Why is the Universe expanding? What is Cosmic Back Ground Radiation (CBR)? There are many questions asked about our Universe, which we know so little about. Scientists, in their attempt to answer these and other confrontations, have found one idea that seems to explain much of what we dont understand: The Big Bang Theory. An explosion of incomprehensible speed was the beginning of our known Universe and existence. At that time matter as small as the head of a pin inflatedRead MoreEssay on Big Bang Theory1539 Words   |  7 Pagesare there still instances in popular media were women are negatively depicted? Have women come as far as they think? The popular sitcom The Big Bang Theory negatively depicts the female characters by reverting to a binary view of gender, in which the female characters are lacking, they can be beautiful or smart however they cannot be both. The Big Bang Theory premiered on CBS in 2003. When the show began it centered on five characters. Four of the five characters are genius young men whom all workRead More big bang theory Essay2699 Words   |  11 Pagesnbsp;nbsp;nbsp;nbsp;nbsp;The Big Bang theory states that all the matter that is in the universe was once in a very small amount of space with infinite temperature, pressure, and density. This theory is well supported and there are many reason for it’s support. One main reason is that no one really has a clue and The Big Bang Theory seems far fetched but more reasonable than any other ideas that there are out there. Some of the important thing to know about the big bang to understand are the beginningRead More The Big Bang Theory Essay3469 Words   |  14 PagesThe Big Bang Theory There have been many theories concerning what the universe looks like, how it became this way, and where it is going. The most popular theory that people hold today is that the universe began when all the matter ever present in the universe was contained in a tiny speck and that spec exploded. This is known as the Big Bang. This theory has developed a great deal since it was first conceptualized and continues to evolve today. Many different scientists have had a hand in thisRead MoreThe Big Bang Theory Essay857 Words   |  4 Pagesâ€Å"The Big Bang Theory is science’s best explanation of how the universe was created.† -Michael Anissimov. When us humans start to wonder, theres no stopping them. â€Å"Originally developed in the late 1920s by Georges-Henri Lemaà ®tre. Lemaà ®tre was the first to realize that a continuously expanding universe implies that at some point in the past the universe must have been much denser and smaller, even atom-sized.† - Micheal Anissimov. Very smart man. Quite interesting things would occur if all of thisRead MoreThe Big Bang Theory Essay581 Words   |  3 Pagesbe. There are many theories out there that try to explain it. One of the most known and taught of theories is the Big Bang Theory. This theory suggests that 13.7 billion years ago all the matter in the universe came from a singularity (zones which defy the current understanding that we have of physics; they are thought to have infinite density and extreme heat). Unexpectedly, that singularity began to expand and the universe came into being. Big bang theorist base their theory on the following evidenceRead MoreThe Big Bang Theory Essay1208 Words   |  5 Pagesand debate has lead to some interesting discoveries, and those theories that have stood the test of time have included both scientific and religious perspectives. One of the most famous and widely accepted of these theories is the Big Bang theory, yet even through its acceptance, it is also somewhat misunderstood. One on these misconceptions is that it explains the universes origin, a statement that is not quite true. The Big Bang Theory is an attempt in explaining how the universe has been developedRead MoreThe Big Bang Theory Essay891 Words   |  4 Pagesnowhere this little bubble started expanding. This expansion created what we know as the Universe. In such little time the Universe went from the size of an atom to the ginormous galaxy we have that is continuously growing. According to the Big Bang Theory the universe appeared as a singularity. Singularities are thought to exist at the core of black holes. These zones of infinite density are called singularities. Our universe is thought to have begun extremely small, infinitely hot, and infinitelyRead MoreThe Big Bang Theory, The Theory of Evolution, and the Bible Essay2843 Words   |  12 Pages This essay provides background and analysis into the subject of science versus religion and analyzes how significant discoveries (namely the Big Bang Theory and the Theory of Evolution) have swayed generations of people into attempting to understand the science behind the universe’s, as well as our own, origin. It is not an explanation as to why one side is correct over the other, but simply an explanation of the trending upward of the demographic of those who prefer to believe scientific hypothesesRead More History of the Big Bang Theory Essay1313 Words   |  6 Pages The strength of the Big Bang theory lies in the evidence for it, not the mechanism used to explain it. Actually, the theory has been revised a great deal since its first proposition and is probably not exactly as you think it is. Ill explain it in the order of historical development. My apologies if this is a bit technical - dont worry if you dont understand it all. The theory was first proposed in the 1930s, based on Edwin Hubbles discovery that distant galaxies are receding. Hubble measured

Plans of Reconstruction Free Essays

Daniel Ramirez Mrs. Toth Period 2 11/29/12 Plans of Reconstruction During the Civil War was the beginning of the Reconstruction era that took place up until the late 1870’s, which for some was a success but a failure to others. Not only was it a civil rights movement but it also re-created the southern way of life, temporarily divided a political party, broke down another, and affected the nation in ways that would have long-term consequences. We will write a custom essay sample on Plans of Reconstruction or any similar topic only for you Order Now Two of the three major Reconstruction plans were that of President Lincoln and Vice President Johnson that both sought to readmit the south as quickly as possible. Lincoln maintained that the political leadership of the South had seceded. His plan did not exclude people like Johnson’s did. President Lincolns plan of reconstruction was light on punishment of the South so that he could reincorporate the Southern section back into the Union. He argued that because of the fact that the government was indivisible secession was politically impossible, and that the war was a result of only a small rebellion that violated the authority and laws of the government. With this in mind his design of reconstruction; readmission of each state was based on 10 percent of the voters pledging loyalty to the US knowing that no more than that would be probable which rendered the radical republicans 50 percent demand illogical. Though Lincoln and Johnson’s plan did have similar ideas there were few differences some of which were even seen as illogical, amongst them was the right to grant pardons to the same people that he claimed he wanted to exclude power from. This did not help the reconstruction plan it in fact it irritated Northerners who saw senators of former offices in the Confederacy reclaiming their places in U. S. senates. Under Andrew Johnson’s restoration African America’s rights were not safe, as he vetoed the Civil Rights bill. This did not pass since Congress overturned his veto and made the Civil Rights bill an act. Lincoln’s â€Å"10 percent† plan, while perhaps not the greatest for bringing the nation together, was the best for the promoting the principles of freedom and equal rights for all in the newly reformed union. His plan unlike Johnson’s protected the new rights of the African Americans, and provided a balance between the rights of whites and them. Lincoln’s plan also made it easier for states to rejoin the Union, because this was such a very forgiving plan, it was better than Johnsons’. Under Lincoln’s Plan, it would be easiest for Confederate states to rejoin the Union, except for the three that were excluded, because the Radical controlled Congress would not permit these states’ representatives to join the federal government. If the nation had agreed to Lincoln’s Plan, racism may have been more easily overcome, and the Union would be reunited in a strong bond because of the reprieve granted. How to cite Plans of Reconstruction, Essay examples

Comprehensive Case Study On Hotel Management

Question 1: What does the article say about the profile of most hotel cleaners? How does this profile compare to that of an employee working in the front office of a hotel? The article highlights the very common profile of the hotel cleaners across the globe. Regardless to geographic differentiation, hotel cleaners are preferably women, minorities, and immigrants who work in adverse health conditions like extended working hours, chemical exposure, ergonomic strain, lower job control, poor pay, varied physical as well as mental risks (Hsieh, Apostolopoulos Sonmez, 2013). These adverse exposures have provided disproportionately increased health disparities amidst service occupations, involving musculoskeletal disorders, strain injury, psychological distress and allergies. The case scenario depicts the meagre profile of the hotel cleaners who are exposed to various work hazards, and also proposes some measures to minimize the hazards for improving occupational safety as well as health of these hotel cleaners (Gomez, 2014). This profile may be compared to that of an employee working in the front office of a hotel in a way that hotel cleaners are individuals who work behind the scene, whereas those working in front office usually represent the hotel or organization. Thus, front office workers need to be much more presentable towards clients at any point of time. Moreover, they remain in the most safe and healthy environment, unlike that of the hotel cleaners who are compelled to work in the most unhealthy environment and often dealing with hazardous substances (Hutchison, 2001). Question 2: How do the authors characterise hotel job conditions, identify 3 factors? As referred to in the case scenario, the author has highlighted upon some of the factors affecting job conditions of hotel cleaners. They perform cleaning jobs in resorts, hotels and motels. They are meant to clean guest rooms for meeting quality standards of respective hotel. Their job states about the necessity to conduct customer service skills while encountering hotel guests and also contributing towards customer satisfaction. The hotel cleaners have the responsibilities such as cleaning guest rooms, public areas and hallways within hotels (Iacobucci, 2014). Their tasks include changing bed sheets, makings beds, polishing and cleaning furniture, emptying wastebaskets, washing and mopping floors, replenishing supplies, etc. Certain situations like guests checking out quite late or making rooms extremely dirty often delay processes of work. This forces the hotel cleaners to work overtime. There is a common practice by hotels to recruit cleaners depending on the variations within ra tes of room occupancy, thereby leading to seasonal, part-time or variable work hours. Under such circumstances, hotel cleaners often work for more than one hotel, or get employed in another work to make both ends meet (Krause, Rugulies Maslach, 2009). Although hotel cleaners hold important jobs, yet they are considered to belong to the lowest-remunerated individuals, and that the pay may not be compared reasonably with that of other hotel cleaners. So, it may be inferred that their pay is slightly more than the minimum wage. Question 3: List and explain briefly the major work hazards that are generally encountered by hotel cleaners? Besides extended work hours as well as low pay, there are some serious work hazards that the hotel cleaners are exposed to while performing cleaning tasks on a regular basis. Some of the broad categories of work hazards are physical hazards, chemical hazards, biological hazards, and psychosocial hazards. Physical hazards The job hotel cleaners demand tasks such as lowering, lifting, pushing and rotating mattresses, carrying, folding and tucking linen, pulling pillows, stretching and bending of equipment that involve repetitive movements (McCarthy, 2015). These tasks include heavy static muscular loads, aerobic strain, awkward postures, and overexertion work are some factors that put the cleaners at increased risk for physical injury. They are most prone to suffer repetitive movement injuries. These are termed as physical hazards that are intensified by poor ergonomic design of cleaning equipment. Chemical hazards The hotel cleaners are much exposed to chemical hazards in cleaning products used in cleaning bath tubs, sinks, mirrors and toilets, including that of solvents and ammonia which irritate skin, throat, nose, eyes and cause dermatitis and other diseases. Exposure to volatile compounds in cleaning products may cause respiratory diseases and enhances carcinogenic risks (Robert Batterman, 2002). Some products may even damage reproductive organs or kidneys. Biological hazards These are infectious agents causing risks of illness, or even death of workers. During their work processes, the workers may come in contact of broken glassware, some medical wastes, human excreta, used needles, contaminated waste and other microbial contaminants and these may put them at risks of their lives. Psychosocial hazards These include violence, stress and bullying may affect health as well as wellbeing of hotel cleaners potentially. Stress may occur when the job demands exceed the ability of the workers (Scherzer, Rugulies Krause, 2005). The cleaners perform tasks in adverse psychosocial conditions of work including strenuous work, time constraints, heavy workloads that cause them to race through jobs for meeting regular work demands. They often suffer from lack of adequate control over organization, lack of recognition or respect from managers, lack of support from all superiors and peers, fear of joblessness, etc. Constant exposure to these hazards and related stress may lead to physical as well as mental problems. Stress in turn leads to various disorders leading to depression or heart attack. Question 4: List and briefly explain four ways of dealing with the hazards identified in Question 3? It is important to safeguard the hotel cleaners and other similar workers from various hazards in order to maintain organizational effectiveness and reputation. Some of the measures that may be applied to mitigate the impacts of hazards are: For preventing physical hazards, cleaners must be give safety trainings to instruct them upon safe work practices in everyday life (Seifert Messing, 2006). Training of ergonomics may help the cleaners develop appropriate work techniques, reduce physical burden, and improve work posture. The workers need to be given adequate training sessions for making them learn various techniques of conducting work processes in order to eliminate harmful aspects. Also, workers are ensured that they take regular breaks and conduct practices to prove effective promotion of safety. For preventing chemical hazards, it is important that supervisors and managers may adequately train employees in handling cleaning products. They are required to be instructed on mixing chemicals. The spray and container bottles are to be labelled properly to avoid risks (Sherwyn, 2002). For minimizing biological hazards, any work practice which involve biological exposure must be eliminated by employers and also set up standard procedures so that the workers may follow in handling harmful wastes to avoid infections. All staffs involved in first-aid are to be trained adequately in handling exposures and that the workers are required to wear appropriate protective equipment and maintain personal hygiene (Soltani Wilkinson, 2010). As against psychosocial hazards, effective intervention as well as prevention strategies need to be developed as well as implemented to protect every individual against work stress or violence. Administrative controls like job design, job rotation, teamwork, work flow enhancement or stress management may be applied in minimizing psychosocial hazards. Superiors and managers are quite responsible in enhancing wellness and eliminating stress from work environments. Question 5: Propose three realistic strategies for recruiting and retaining room attendants? Strategies to recruit and retain hotel attendants are: At the very initial phase, the recruitment is to be conducted with special highlights to the desired tasks related with job positions. The organization is required to prepare the plan for recruitment and selection in a manner that employs the right kind of employees to the right position at the right time. It is essential to present the work criteria and conditions beforehand to make the applicants well aware of what is expected of them in order to prevent any confusion or conflict later on (Tracey, Sturman Tews, 2007). Based on the concept that workers usually quit managers and not company or job, specifies that leadership is highly essential requirement in supervisory position. To make it work, it is necessary to use employee climate surveys, and get enormously serious regarding results. The organizational managers need to be increasingly supportive and motivate the workers to perform well irrespective of their job profiles. Another strategy of recruiting and retaining hotel attendants is that the hotel organization is required to structure the pay system in a manner to attract appropriate applicants. Though the job profile may be low, yet they must not be underpaid. The workers need to be motivated thoroughly to take up jobs very sincerely. Question 6:Compare and contrast the organisational structure and duties of housekeeping departments and staff in large hotels with that of small size hotels? The contrast between organizational structure and duties of housekeeping department of large and small hotels may be studied with the help of the following figures. In case of large organizations, the structure is quite complex and vast in nature. The hierarchy is quite firm and each of the housekeeper is responsible to his immediate head or supervisor in the very same department as well as that of the topmost management (Scherzer, Rugulies Krause, 2005). In this manner a chain of hierarchical positions exist to conduct various tasks of the hotel operations (Figure 1). The hotel cleaners are liable to do only that job for which they are hired and they undertake take few pre-decided jobs. On the other hand, the organizational structure in small organizations is simple in form with not much hierarchy of positions. Here, the housekeeper is liable only to his immediate superior. In small organizations due to simplicity of organizational structure, often workers are required to undertake varied jobs at a time. Figure 1: Figure 2: References Burgel, B., White, M., Gillen, M., Krause, N. (2010). 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Effort-reward imbalance at work and self-rated health of Las Vegas hotel room cleaners.American Journal Of Industrial Medicine,53(4), 372-386. doi:10.1002/ajim.20732 Krause, N., Scherzer, T., Rugulies, R. (2005). Physical workload, work intensification, and prevalence of pain in low wage workers: Results from a participatory research project with hotel room cleaners in Las Vegas.American Journal Of Industrial Medicine,48(5), 326-337. doi:10.1002/ajim.20221 McCarthy, C. (2015). Adopt these strategies to boost student persistence.Recruiting Retaining Adult Learners,17(8), 5-5. doi:10.1002/nsr.30048 Robert Batterman, L. (2002). Collective bargaining after September 11: What about job security and workplace security?.The Cornell Hotel And Restaurant Administration Quarterly,43(5), 93-108. doi:10.1016/s0010-8804(02)80060-x Scherzer, T., Rugulies, R., Krause, N. (2005). Work-Related Pain and Injury and Barriers to Workers Compensation Among Las Vegas Hotel Room Cleaners.Am J Public Health,95(3), 483-488. doi:10.2105/ajph.2003.033266 Seifert, A., Messing, K. (2006). Cleaning Up After Globalization: An Ergonomic Analysis of Work Activity of Hotel Cleaners.Antipode,38(3), 557-578. doi:10.1111/j.0066-4812.2006.00595.x Sherwyn, D. (2002). Job Sharing A potential tool for hotel managers.The Cornell Hotel And Restaurant Administration Quarterly,43(5), 84-91. doi:10.1016/s0010-8804(02)80059-3 Soltani, E., Wilkinson, A. (2010). What is happening to flexible workers in the supply chain partnerships between hotel housekeeping departments and their partner employment agencies?.International Journal Of Hospitality Management,29(1), 108-119. doi:10.1016/j.ijhm.2009.06.006 Tracey, J., Sturman, M., Tews, M. (2007). Ability versus Personality: Factors that Predict Employee Job Performance.Cornell Hotel And Restaurant Administration Quarterly,48(3), 313-322. doi:10.1177/0010880407302048