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Robin Trehan has a Bachelor’s degree in Economics and Public Administration, a Master’s degree in International Business Finance and Marketing from ENPC School of International Management (France) and a Master’s degree in Electronic Commerce/Systems (E-business) from Grenoble Ecole De Management... More
  • Robin Trehan

    Street Smart Leadership VS Future Smart leadership- Robin Trehan

    In leadership, you should always think about how to manage your decisions. Decisions are your fundamental issues that you will be facing almost every instant in your leadership career. How you make these decisions can affect your business both from a financial and developmental perspective. This is especially true for individuals who work on experience to make decision or predictive thinking.

    This is where street smart and future smart leadership falls in. Leaders may fall into one of these categories when making decisions by relying on the type of influence that contributes to the whole process. Street smart focuses on experience and know-how on the business techniques while future smart uses analytical thinking that requires research methods to predict trends.

    Street smart leadership is very effective in quick decision making times, where your experience shall lead your instinct to an effective decision. This particularly involves time-sensitive financial agreements and progress plans that require immediate attention. Being "street smart" indicates your ability to learn from your successes and mistakes as foundation for your decision. With this form of leadership at hand, you will find quicker and favorable results along with the high paced function your business should run with.

    A downside to this leadership form is that your irrational sense of thinking may interfere, especially with very important or delicate decisions. You should think well before you use street smart leadership, and make sure you base it on the right experiences with successful outcomes.

    On the other side of the spectrum, future smart leadership deals with analytical predictions, especially in understanding market trends and organizational patterns. This type of leadership is the "safe type" where you stick to facts and data to make a smart decision. Using relevant information to your business procedure, future smart leadership is usually associated with progressive leadership, one that maintains the functionality of the company through intelligent predictions.

    A downside to this type of leadership is that you may not have the experience needed to make a decision, which can affect the success rate, especially if your data is highly hypothetical in nature or not enough to make a concrete decision.

    Being a leader can be tough, especially if you don't know whether to use experience or analysis in making your decision. What is important, however, is to secure effective leadership patterns that work. Make sure to assess everything before making that final decision, as it can make or break you in the end.

    Robin Trehan

    Tags: Robin Tehan
    Aug 17 12:20 AM | Link | Comment!
  • Robin Trehan- Leadership In Recession Times

    Leadership in Recession Times-Robin Trehan

    Chinese Philosopher Lao Tzu once said, "A leader is best when people barely know he exists, not so good when people obey and acclaim him, worse when they despise him, but of a good leader who talks little when his work is done, his aim fulfilled, they will say, 'We did it ourselves.'" He signified a leader as the driving force behind everything else; however, the leader should remain humble.

    In difficult times, a leader may be needed, especially with economic crises and even social unrest. The obligations of a leader may pose pressure to the leader himself and this can cause even more troubles if the leader can't act accordingly. Leaders tend to receive the limelight when their efforts are praised and hide whenever they are criticized. The true essence of a leader lies on his achievements and how his community prospers.

    Realistically, a leader is only a figure, and leadership is the ever binding process between the followers and the leader. To support Lao Tzu's proverb, a community may criticize a leader of his efforts, but the leader must have his main focus on the people he leads. The people's natural response to say "they did it themselves" and the leader not complaining is an example of true leadership.

    Difficult times do introduce difficult measures, but the perseverance of a leader can make it through the hardships of economic, social, and political problems that may surround a certain community. How a leader deals with this problem manifests aspects of his character and his own intent toward his community.

    As a captive of his own community, a leader may suffer the attacks because of his supposed failure to meet the demands of the people. If true leadership is at hand, though, the whole problem will unfold, even if the leader doesn't speak at all. Actions pave the way for an effective leader, and with these actions, a smooth leadership comes about.

    Leadership, essentially, is a process faced by the harsh reality of society and the temperance and perseverance of a leader. He ultimately shows that sacrifice has its merits. A true leader knows he has done his job well. After all, "Leadership is action, not position," according to Donald H. McGannon.

    Robin Trehan B.A, MIB, MBA is a financial expert, associated with Keyfunds and Credit Capital Funding. More information

    Aug 16 11:22 PM | Link | Comment!
  • Robin Trehan- Due Diligence Of A Small Community Bank

    Robin Trehan- Due Diligence of a small community bank

    1. Review the past three year regulatory examinations, safety and soundness as well

    as an information technology and compliance examinations.

    2. Review Board of Directors minutes of meetings.

    3. Review the general ledger for any unusual balances.

    4. Review any independent attestation work performed, i.e. audit, directors'

    examination, loan review, internal audit or other types of work performed by CPA

    firms or other consulting firms.

    5. Review the tax returns..

    6. Obtain loan and deposit trial balances.

    7. Obtain the past due loan listing, and the current listing.

    Review past due loans on the listing.

    Review the all report.

    Select a sample of 5 loans, including high dollar loans, past due, watch list and

    classified loans for review. Look for perfection of liens, credit quality,

    value of collateral and repayment ability of borrower.

    10. Review calculation of ALLL methodology.

    11. Review for deposits in excess of $100,000 and determine the length of time the

    bank has held such deposits.

    12. Review bank expenses for reasonableness.

    13. Inquired as to interest rate risk exposure and review periodic reports to evaluate

    such exposure.

    14. Review the investment portfolio. Determine if management has evaluated for

    other than temporary impairment.

    15. Discuss with management the overall condition of the Bank and obtain

    information about the local economy.

    Aug 16 11:18 PM | Link | Comment!
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