I was an Executive Trainee

It took nine months to complete under the Trainee Executive Program. The were about 60 intake in my batch. But, at the end of the program about 10 student left the program.

Most of the nine program was conducted in Head Office of Bank Pertanian. At the time head office were located in three buildings. Bank Pertanian head office is in Kuala Lumpur. Credit operation was located at fourth floor in Wisma Yakin; Research and Planning was located in fifth floor in Loke Yew Building. The other departments and office for Managing Director and General Manager were in Sultan Sulaiman Building. That time (1970s) there was no Kuala Branch, so all counter activities was handled by head office at Sultan Sulaiman Building.

As a could remember, as trainee executive, we learnt all aspects on bank's operation. We were exposed to the following subjects: credit management, accounting, banking operations, research, human resource management, product development and procedures, branch operation, and all programs and credit schemes offered by Bank Pertanian. The most popular tcredit schemes at that time were paddy credit scheme, equipment credit scheme, tobacco credit scheme, fishery credit scheme and agribusiness credit scheme.

For credit management, we learnt about credit appraisal, credit supervision and loan recovery. For credit appraisal, we were taught on 5C's (condition, capital, capability, collateral and character).

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