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Welcome to the OJT program
This OJT program is designed to help you hone your skills further and apply
the same in day-to-day work in keeping with the ethos and values of Bank
of Baroda. The Bank has indeed assiduously built its wide customer base
over the years and has a rich heritage of service. We are sure that with the
skills acquired and by your hard work, you will add value to this heritage – in
quality as well as in dimension. In the process, you will quietly blossom and
move into an illustrious and satisfying Banking career.
4. OJT Diary: This diary is designed to support you through this OJT
program. It is divided into 3 parts:
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Head, as the case may be, and shall be based on (a) OJT Diary and
(b) Project work.
6. Learning Resources: You will have access to the following
resources
a) E circulars of the Bank (you will be given access to this) which will
provide you inputs to grasp the Bank`s Assets and Liability products
besides latest developments / modifications, etc., thereby enabling
you to update your knowledge on other functions of the Bank.
b) You can access the Bank’s intranet on any of the Bank’s PCs. Your
mentor will facilitate this through his user ID and password. The
Bank’s intranet will make available a host of information and learning
resources, policy documents on products / processes, etc. besides
list of circulars issued by the Bank from time to time.
7. TIMELINES:
The Branch OJT is for a period of 13 weeks. The schedule for the 13
weeks is given in Part–A, which will determine your activities and
departments which will need to be covered during the OJT.
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Guide to using the OJT diary / workbook
Part A - OJT Schedule - Setting the agenda for the three months
SETTING
THE
GOALS
The OJT schedule given in Part A will be the broad framework for the
learning and practical experience during the OJT period. The entire 3
months period has been sub-divided into a week-wise schedule, where the
student will have to go through a particular Branch function / deptt. during a
particular week. The coverage of areas / detailed list of activities that the
students are expected to cover, in general, are also spelt out. If a particular
activity is not there in any particular Branch, the student may consult and
discuss on that area with his / her mentor so as to gain a working
understanding of the same.
1. Set your goals for the week in consultation with the Mentor / Deptt.
Head -what knowledge and skills you need to acquire
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3. Jot down the desk/field activities, jobs that you will be taking up
5. Once you complete your tracker request your mentor to review and
take his / her feedback / suggestions.
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Part D Final Review Evaluation of On-the-job training (OJT) by
Reporting Authority
1. The final review and evaluation will be done by the Mentor / Reporting
Authority close to the end of the third month of OJT, which will be
reviewed by a higher authority of Bank of Baroda.
a) Score for performance during the OJT period as reflected in the OJT diary
and as assessed by the Reporting authority / Mentor, and
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FAQs on OJT
1. How do I get started?
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Jot down what you need to know, the desks that you need to work on.
Follow up with your mentor from time to time for ensuring your
rotation in various desks as per the schedule given and as required
for the role.
2.2 This will ensure that you achieve the learning objective of the OJT
and come out successfully as a professional banker with the objective
of “first day-first hour productivity”.
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2.3 The OJT workbook needs to be submitted/produced when called for
by visiting officials/HR. One of the parameters of OJT evaluation is
effective use of OJT workbook and schedule in the learning process.
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4. My mentor is very busy. Do I need to disturb him/her every
week for the weekly planner and review?
Please request your reporting authority to give you time every week to
discuss the weekly plan and review which will improve your productivity.
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5. I want to excel during OJT. How can I achieve success?
Success Mantras
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Take learning initiatives to enhance Functional Knowledge:
Take initiative to acquire further functional knowledge on
products, processes, procedures relating to the business /
transactions handled.
Go through the circulars, product and process manuals, e-
learning modules and group specific links/websites to continue
adding to your knowledge.
Use the OJT schedule and workbook to learn on the job in a
structured manner
Seek feedback to consistently improve performance
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Work at different desks/specializations in that Deptt. and understand the
role and responsibilities of the team / each staff member in that deptt.
Visit to the clients, sales, operations offices, back offices (where they are
located in the same centre), other supporting businesses as applicable to
the respective role.
Project Title
Certificate from the Mentor / Reporting authority
Acknowledgement
Table of Contents
Executive Summary
Introduction / Background
Related theory / literature (If any)
Study / analysis
Findings
Recommendations
Conclusion
Annexures
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It is utmost necessary to complete the project which will be allotted to you
within the stipulated time since the timelines for submission are fixed. Delay
in sending the evaluated reports and diary will only result in delaying the
final result and thereby have repercussions on joining date, etc.
Part A-Broad OJT Schedule
WEEK / DAYS TOPIC COVERAGE
DAY 1 Business / Overall Branch overview and business handled
Branch by the Branch to be given by Br. Head / Mentor
Overview Introduction to other staff of the Branch
Scrutiny of Account Opening forms for KYC &
AML Compliance Menu HOPNACCT
Account Opening in Omni Flow & Forward to
RBO
Operations in the Savings Accounts thro Finacle
system. Transactions through Menus HTM,
HCASHDEP, HCASHWD and HXFER
Procedure to open various types of accounts viz,
Blind, Illiterates, etc
Operational issues in NRI Savings Accounts
(NRO & NRE)
Week 1 Risk based categorization of Savings accounts as
per PMLA Act
Savings Procedure to convert Savings account from single
(DEPOSITS) name to joint names - Modification through the
deposits
Menu HACM
Nomination Facility – Record, Change-
Modification through the Menu HACM & Claim
under nomination
Operation through Mandate / Power of attorney
Conversion of Inoperative Accounts in to
operative accounts - Modification through the
Menu HACM
Closure of Savings Accounts - Menu HCAAC
Transfer of Savings Accounts to other branch
Inter SOL transactions in Finacle - Menu
HACXRSOL
Stop Payment of cheque - Menu HSPP
Operational issues with respect to ASBA
Death claim procedures in Savings Account
Answering Customer Queries
Registering Standing Instruction - Menu HSIM
Freeze & Defreeze of Savings Accounts - Menu
HAFSM
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Interaction with prospective Savings Bank
customers
Handling of End of Day procedures in Finacle
Scrutiny of Account Opening forms for KYC &
Week 2 AML Compliance
Account Opening in Omni Flow & Forward to
RBO - Menu HOPNACCT
(DEPOSITS – Current Operations in the Current Accounts thro Finacle
Contd.) Deposits system – Transactions through Menus HTM,
HCASHDEP, HCASHWD and HXFER
Stop payment of cheques Menu HSPP
Temporary overdraft in current account Menu
HACTODM
Risk based classification of current accounts
Procedure to open current accounts for different
constitution viz, Proprietor, Partnership, Pvt. Ltd &
Public Ltd Companies etc
Operational issues in NRI Current Accounts (NRO
& NRE) & EEFC Accounts
Collection Accounts / Escrow accounts
Operation through Mandate / Power of attorney
Current Modification through the Menu HACM
Deposits Conversion of Inoperative Accounts in to
operative accounts Modification through the Menu
HACM
Closure of Current Accounts Menu HCAAC
Transfer of Current Accounts to other branch
Menu HACXRSOL
Cheque return procedures
Death claim procedures in Current Account
Answering Customer Queries
Registering Standing Instruction Menu HSIM
Freeze & Defreeze of Current Accounts - Menu
HAFSM
Exchange of information by Banks
Interaction with prospective Current account
customers
Account Opening
Fixed Deposits, Short Deposits, Recurring
Deposits Menu HOAACTD, Printing of Receipts
HDRP
Renewal of Deposits - Only on the maturity date
through the Menu HTDREN, Extension of TDs -
HTDEXT
Prepayment of Deposits Menu HCAAC
Operations of Term Deposit / FD Accounts thro
Finacle system
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Week 3 Operational aspect of auto-sweep & reverse
sweep in Finacle
Term Deposits Procedure in case of lost Deposit Receipts Menu
(DEPOSITS – HACMTD
Contd.) Addition/Deletion of name in Fixed Deposit
Receipts and Recurring Deposit Accounts Menu
HACMTD
Procedure for transfer of Time Deposit Account
to another branch Menu HACXRSOL
Operational issues in NRI Deposits (NRO, NRE,
FCNR, RLFCD, FCLR & RFC)
Safe custody of Deposit Receipts
Issues in Tender Deposits, Guarantee Money,
Deposit of the amount of compensation awarded
by the Claims Tribunal etc.
Deduction of Income Tax at source from payment
of Interest on Time Deposits. Menu TDSCON /
RFTDS
Death claim procedures in Term Deposits
Marking lien over Deposits - Menu HALM
Answering Customer Queries
Registering Standing Instruction for Recurring
Deposit - Menu HSIM
Interaction with prospective FD customers
Procedure for issuance of Debit Card Menu DCR
Different variants in Debit Card
Procedure for Linking / Delinking of Accounts
Escalation Matrix for Complaint Resolution
Debit Cards Procedure for issuing add-on cards
SAFE KEEPING OF ATM-CUM- DEBITS CARDS
& PIN MAILERS
Procedures for issuing prepaid cards – Gift Card
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Details of Services under M-Connect Plus
Mobile Banking Registration through ATM,
Internet Banking & Base Branches
Activation of application software in the Mobile
M-Connect Plus Procedure for Linking / Delinking of Accounts
De-Registration of M-Connect Plus facility
Procedure to be followed if Mobile lost
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(Contd.) Remittances Loss of Banker's Cheques / DD Menu HDDLOST
Stop payment of Demand Draft / Banker’s
Cheque
Procedural aspect in receipt of remittance
proceeds through Money Gram & XPress Money
remittance schemes from overseas.
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Depository services – NSDL / CDSL
Week 6 DEBOS software; Opns / transactions in DEBOS
Role of CBODPO
(Contd.) On line Scrutiny of account opening form and KYC
trading/Demat / Compliance
ASBA/Three in Activities at branches
one account Three in one Account (including trading account)
Operation, Accounting,
Activities at Branches
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QMR & Financial statement/ Fixing DP
Covering under CGTMSE
Limit Maintenance & Limit Node in Finacle Menu
HLNM
Review of Accounts
Insurance of Assets (Primary & Collateral
securities) charged to the Bank
PSR Reporting & Control returns
Transactions in Finacle Menu HLADISB,
HLASPAY, HLAUPAY, HPAYOFF
Re-phase / Reschedule of SME Loans
Credit Rating in BOBRAM Module/SME manual
credit rating.
Data Entry in CERSAI
Excess / Adhoc limit to the clients Menu HACLHM
Non Fund Based Business - Financial &
performance Guarantees & Letter of Credits
Menu HGMM
Preventive Vigilance – Credit Operations
Data entry in ASCROM & Generation of various
reports from ASCROM
Monitoring & Follow up for recovery
Monthly Monitoring reports (MMR) & Quarterly
Monitoring reports (QMR)
Attending the credit related queries in the reports
of RBIA
Concurrent Audit
Statutory Audit
Credit Audit
Stock Audit
Credit Post Sanction Inspection
Monitoring & Prevention of Revenue Leakages in Credit
Recovery Accounts
Week 8 & 9 Early warning signals & Incipient sickness
Compromise settlement
(LENDING- Rephase / Reschedule / Restructure of Advances
accounts & CDR Mechanism
Contd.) Settlement through Lok Adalat / DRT
Procedures to be followed for recovery under
SARFAESI ACT 2002.
Legal actions – Suit File & execution of decree
Foreign Currency Deposits
Export & Import Finance – Regulatory Guidelines
& Practical Issues
Examining the documents drawn under L/C &
Scrutiny for discrepancies in Letter of Credit
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L/C opening in Finacle & Lodging of Bills in
FOREX Finacle. Menu HODCM, HIRM
Foreign Currency Loan – FCNR B Loan & ECB
Week 10 Buyer’s Credit & Suppliers Credit Menu HODCM,
HIRM
(LENDING- ECGC Policy - Procedures
Contd.) Operation under Gold Card scheme for Exporters
Exchange rate mechanism & Reporting system to
SITB
Country Risk Management reporting
Various reports & Stmt. in FOREX – R-returns,
etc Menu HRRETURN
Sales Lead Generation
Accompanying Marketing Officer in field visits
Understand various selling techniques for retail
loans / liability products from sales executives of
RLF / CSO / Sales identified people of the Branch
Week 11
(FOREX)
Week 12 Utilities of HRNes & Payroll Packages
Job Rotation with in Branch
Attendance, Punctuality & Discipline
(SALES) Staff Meetings
Staff HR Audit & How to attend Audit report
Administration Hours of work & overtime
Welfare measures to the employees
Calculation of Bonus as per Bonus Act
EPMS – allocation of Key Responsibility Areas
Premises – Lease Deed
Week 13 Sign Boards & Mandatory display boards
including Complaint / Suggestion Box
General Branch Furniture & Fittings – Depreciation & entry of Fixed
( BRANCH Administration Asset into FASSET Module.
ADMINISTRATION ) Stationery – Annual Indent
Security forms – Maintenance in dual control
Destroy of old records
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Fire Safety measures in Branch
Security Alarm system & CCTV Maintenance
Security of Networking equipments
Prevention of use of external software / floppies in
CBS network
Restriction to the access of Enterprise PC
Preventive Secrecy of Finacle Password
Week 13 Vigilance – Disabling the user in Finacle who is on leave
Operations / Freezing the user id of suspended employee
(Contd.) System Logout from the application at the time of leaving
the terminal
Verification of BR, Exception report, Daybook etc
daily basis.
Random verification of Interest application / Lien
noting in FDR / FCNR Reversal of proxy entries
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Learning
Objective
Field Activities:
Other Learning
Activities
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Learning Performance Constraints Mentor’s Remarks
Objective
Knowledge
Update
Product
Process
Others
Applications Skills
Customer satisfaction
Other initiatives
Ideas
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Part D- Final review and Evaluating by Reporting Authority
(To be completed close to the end of the third month of OJT, as per the
timelines given)
You need to complete the Project Work assigned. The topic will be given to
you by your Mentor / Reporting Authority upon your reporting to the Branch.
Please note that the evaluation will be done by your reporting authority.
The Evaluation questionnaire would be sent to the reporting authority. An e-
mail will be sent to your reporting authority informing about the timelines for
evaluation.
You need to take the initiative to ensure effective completion of evaluation:
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You can use more pages of Part B and Part-C, as required, for recording
your weekly plans and progress during your OJT period.
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