Manchester Cooperative Credit Union (Annual Report Inside Pages) (1)

MANCHESTER CO-OPERATIVE
CREDIT UNION (1977) LTD.

65th Anniversary Funday & Back to
School Fair

Sydney Carter & GSAT Bursary Luncheon

106 ANNUAL REPORT 2016

MANCHESTER CO-OPERATIVE
CREDIT UNION (1977) LTD.

ICU WEEK

Debating Competition

“Where Service Exceeds Expectation” 107

MANCHESTER CO-OPERATIVE
CREDIT UNION (1977) LTD.

65th Anniversary
Banquet

Mid-Island Chapter Banquet

108 ANNUAL REPORT 2016

MANCHESTER CO-OPERATIVE
CREDIT UNION (1977) LTD.

Staff List

ADMINISTATION DEPARTMENT – General Manager
1. Mrs. Cynthia Briscoe – Executive Secretary
2. Miss Carol Bowen – Human Resource Officer
3. Miss Vanaya Jack – Administrative Assistant
4. Mrs. Caroline Green – Risk & Compliance Officer
5. Mrs. Lorette Ffrench - Francis – Risk & Compliance Assistant
6. Miss Sherylee Duricka – Internal Auditor
7. Miss Natalie Bailey – Internal Audit Assistant
8. Miss Jeniffer Haslam – Registry Clerk
9. Miss Maureen Peterkin – Office Assistant
– Office Attendant
10. Mr. David Samuels – Messenger
11. Miss Claudette McFarquhar – Parking Attendant
12. Mr. William Allen
13. Mr. Hicksford Robinson – Finance Manager
– Information Technology Manager
ACCOUNTS DEPARTMENT – Senior Accounting Officer
14. Mr. Lenroy Allen – Systems Administrator
15. Mr. Omar Greene – Accounting Officer
16. Mrs. Delrose James
17. Mrs. Jacqueline Kennedy – Sales & Marketing Manager
18. Mr. Oliver Harrison – Marketing Officer (Christiana)
– Marketing Representative
SALES & MARKETING DEPARTMENT
19. Mr. Michael Gottshalk – Branch Manager-(Mandeville)
20. Mr. Greggory Mulgrave – Utility Officer
21. Mrs. Vasiana Miller-Hewitt – Member Service Officer
– Credit Supervisor
MANDEVILLE BRANCH – Credit Officer
22. Miss Shevaun Hart – Credit Officer
23. Miss Debbie Barrett – Credit Officer
24. Mrs. Ashieka Ebanks-Newell – Securities Officer
25. Mrs. Loye Richards
26. Miss Nadine Ricketts 109
27. Mr. Richard Barrett
28. Miss Neleasia Lambert
29. Mrs. Ruth Anderson-Burnett

“Where Service Exceeds Expectation”

30. Mr. Andrew Richards – MANCHESTER CO-OPERATIVE
31. Mrs. Gail Taylor – CREDIT UNION (1977) LTD.
32. Miss Chantal Jamieson –
33. Miss Sandrene Bryan – Field Officer
34. Miss Jenice Green – Junior Credit Officer
35. Miss Lavene Gyles – Junior Credit Officer
36. Mr. Rajeve Stewart – Credit Administrator
37. Miss Jannese Francis – Member Service Representative
38. Mr. Kirkton Richards – Senior Member Service Representative
39. Miss Anna-Kay Bartley – Member Service Representative
40. Mr. Davion Williamson – Member Service Representative
41. Mr. Shamar Mullings – Driver/Member Service Representative
42. Miss Princess Walters – Member Service Representative
43. Mr. Jardane Green – Member Service Representative
44. Miss Kimeisha Robinson – Member Service Representative
Member Service Representative
CHRISTIANA BRANCH – General Clerk
45. Mrs. Wendy Hamm-McLean – Member Service Representative
46. Mr. Floyd McConnell -
47. Mrs. Gennevieve Minzie-Allen – Branch Manager
48. Miss Samantha Johnson – Member Service Officer
49. Mrs. Shelly Ann Daley-Broomfield – Credit Officer
50. Mr. Mark Brown – Credit Officer
51. Mrs. Claudia Pitter-Lewis – Utility Clerk
52. Mrs. Terry Ann Birthwright – Field Officer
53. Mrs. Karen Christie-Riley – Junior Credit Officer
54. Miss Jholein Marshall – Junior Credit Officer
55. Mrs. Sharon Williams – Administrative Assistant
56. Miss Natalee Simpson – Senior Member Service Representative
57. Mr. Jerome Thompson – Member Service Representative
58. Mr. Craig Williamson – Member Service Representative
59. Mrs. Genice Robinson – Member Service Representative
60. Mrs. Jassette Wright Member Service Representative
– Credit Clerk
PART TIME WORKERS – Office Attendant
Mrs. Rose Marie Beadle –
Miss Hyacinth Spurgeon – Mandeville
Mr. Michael Green – Mandeville
Miss Beverly White Mandeville
Mr. Trevor Johnson Christiana
Christiana
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ANNUAL REPORT 2016

MANCHESTER CO-OPERATIVE
CREDIT UNION (1977) LTD.

Staff Pictures

MRS. CYNTHIA BRISCOE

General Manager

HEAD OFFICE

Seated (L-R): D. James, C. McFarquhar, L. Ffrench-Francis, V. Jack, J. Haslam, V. Miller-Hewitt
Standing: (L-R): H. Robinson, N. Bailey, O. Harrison, C. Green, L. Allen, C. Bowen, S. Duricka, D. Samuels, J. Kennedy, M. Gottshalk

Missing from Photo: W. Allen, O. Greene

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MANCHESTER CO-OPERATIVE
CREDIT UNION (1977) LTD.

MANDEVILLE
BRANCH

Seated (L-R): A. Bartley, N. Ricketts, D. Barrett, S. Hart, C. Jamieson, L. Richards, K. Robinson, K. Richards
Standing: (L-R): D. Williams, R. Barrett, R. Stewart, L. Gyles, P. Walters, J. Green, G. Taylor, A. Ebanks-Newell, A. Richards,

R. Anderson-Burnett, J. Green, J. Francis
Missing from Photo: M. Peterkin, N. Lambert, S. Mullings, S. Bryan

CHRISTIANA BRANCH ADMINISTRATIVE DEPARTMENT

Seated (L-R): N. Simpson, C. Pitter-Lewis, W. Hamm-McLean, Seated (L-R): C. McFarquhar, L. Ffrench-Francis,
S. Johnson, T. Birthwright, K. Riley V. Jack, J. Haslam

Standing (L-R): J. Marshall, M. Brown, S. Daley-Broomfield, Standing (L-R): H. Robinson, N. Bailey, C. Green,
F. McConnell, G. Mulgrave, S. Williams, C. Williamson, C. Bowen, S. Duricka, D. Samuels
G. Robinson, J. Thompson, J. Wright, T. Johnson Missing from Photo: W. Allen
Missing from Photo: G. Minzie-Allen
SALES & MARKETING DEPARTMENT
ACCOUNTS & IT DEPARTMENT

Seated (L-R): J. Kennedy, D. James (L-R): G. Mulgrave, V. Miller-Hewitt, M. Gottshalk
Standing (L-R): L. Allen, D. Samuels, O. Harrison ANNUAL REPORT 2016

Missing from photo: O. Greene
112

MANCHESTER CO-OPERATIVE
CREDIT UNION (1977) LTD.

MANDEVILLE Credit Department

CHRISTIANA

(L-R): S. Johnson, C. Pitter-Lewis, M. Brown, T. Birthwright,
G. Robinson

Missing from Photo: G. Minzie-Allen
Seated (L-R): N. Ricketts, D. Barrett, S. Hart, L. Richards
Standing (L-R): R. Barrett, R. Anderson-Burnett, C. Jamieson,

G. Taylor, A. Richards
Missing from Photo: S. Bryan, N. Lambert

Member Services

MANDEVILLE CHRISTIANA

Seated (L-R): A. Bartley, S. Hart, A. Ebanks-Newell, K. Robinson, J. Francis (L-R): S. Daley-Broomfield, J. Thompson, N. Simpson,
Standing (L-R): D. Williams, L. Gyles, R. Stewart, J. Green, J. Green, K. Richards F. McConnell, S. Williams, C. Williamson
Missing from Photo: J. Marshall
Missing from Photo: S. Mullings 113
“Where Service Exceeds Expectation”

MANCHESTER CO-OPERATIVE
CREDIT UNION (1977) LTD.

Condolences

Abraham Brimm Evelyn Thompson Oniel Barnett
Ainsley Smith Everton Mitchell Othneil Martin
Aliethia McLeod Ezekiel Campbell Pamelleta Lindsay-Roye
Andrew Forbes Fay Francis Paul Kennedy
Anthony Roberts Gilmore Linton Paulette Junor-Phillips
Arnett Devenish Headley Johnson Philip Telphia
Audley Swaby Hicks Rodriques Phillistina Simpson
Audrey Salmon Hubert Haughton Rennick Drummond
Barbara Stephenson Hyacinth Rose Rohan Manning
Berkley Benneth Ian Reid Rondi Smith
Bernard Williams Inez Robinson Rose Beezer
Beverley Denton Jane Clarke Sharon Stewart-Wright
Calbert Pringle Joyce McLean Sheldon Forbes
Carmeta Dinnal Karen Bartley Sidney Jones
Charles Rose Kenneth Linton Suzanna Roye
Conrod Smith Jr. Lloyd Ellington Teran Milford
Courtney Carnegie Lloyd Whyte Thelma Robinson
Craigmore Lewis Lloyd Williams Theodore Henlon
Dawn Davidson Loretta Watson-Wint Valarie Wright
Derrick Dewar Lynette Planter Valrie Gordon
Deryck Brooks Marshall Wright Veline Adams
Dorian Pryce Megan South Vinroy McKenzie
Douglas Manning Michael Rose Wayne Stewart
Elfreda Gooden Myrna McNamee Yvonne Elliott-Smith
Ellouis Loney Nena Swab-Murray Yvonne Gayle
Enid Lyncook Normalyn Davis-Johnson
Eucal Smith Omel Green

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MANCHESTER CO-OPERATIVE
CREDIT UNION (1977) LTD.

The Role of the Board and Committees

Board of Directors of the League and other relevant legislation are
complied with.
• The business of the Credit Union shall be
conducted by the Board of Directors, which shall • Recommending amendments to Rules.
be elected at the Annual General Meeting of the
Credit Union. The major functions of the Board of • Ensuring the provision of competent and adequate
Directors are as follows: personnel and facilities for efficient operation of
the Credit Union.
• Overall leadership, direction and control of the
affairs of the Credit Union. • Monitoring and evaluating the performance of the
Credit Union.
• Development of policies to guide the successful
operations of the Organization. • Ensuring that members’ funds and the assets of the
Credit Union are adequately protected.
• Deciding on the long-term goals and objectives of
the Organization and planning for its • Appointing relevant committees to assist the
achievement. Board’s functioning

• Reporting to members at Annual General • Equipping themselves with the requisite skills and
Meetings. knowledge to effectively perform their functions.

• Ensuring that the Credit Union’s Rules, the Co- • Attending the requisite courses for certification as
operative Societies Act and Regulations, the rules Credit Union Professionals.

Credit Committee • Recommending amendments to the Credit Policy,
where necessary.
• The Credit Committee shall be elected at the
Annual General Meeting of the Credit Union. The • Evaluation and decision making on member loan
committee has overall responsibility for the Loan requests
Portfolio and Credit Administration of the
Organization, guided by the Credit Policy • Conducting interviews with loan applicants where
approved by the Board of Directors. The functions required
of the Credit Committee include:
• Determining the adequacy of security for loans
• Studying and implementing the Credit Policy of
the Organization. • Ensuring that delinquency is effectively controlled
through the committee’s evaluation and approval
of loans.

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MANCHESTER CO-OPERATIVE
CREDIT UNION (1977) LTD.

Supervisory Committee • Checking on the Credit Union’s Credit
Administration to ensure that delinquency is kept
• The Supervisory Committee shall be elected at the under control and that securities are adequately
Annual General Meeting of the Credit Union and endorsed in the Credit Union’s favour.
shall consist of not less than three members, none
of whom shall be members of the Board of • Evaluating whether the policies and procedures
Directors or Credit Committee or Loan Officer or established by the Board of Directors are
Employee. documented and adhered to.

• The Supervisory Committee is charged with the • Ascertaining whether the established systems of
responsibility of being the Internal Audit internal control provide reasonable assurance to
Committee of the Credit Union for and on behalf the members that the assets of the Credit Union
of the members. The main functions of the are adequately protected to ensure safeguards
committee include: against errors, carelessness and fraud.

• Determining compliance with the Rules of the • Evaluating the Credit Union’s compliance with
Credit Union, the Co-operative Societies Act and applicable legislation and making
Regulations, the rules of the League and the Bank recommendations to the Board of Directors where
of Jamaica (Credit Unions) Regulations, when necessary.
enacted.
Receive and investigate any complaint made by any
• Ensuring that no irregular or unauthorized member affecting the proper running of the Credit
transactions are carried out by either employees Union
or volunteers or any parties connected to these
persons.

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MANCHESTER CO-OPERATIVE
CREDIT UNION (1977) LTD.

Parliamentary Rules of Order

1. (a) A member shall stand, when when addressing (b) No event can a member call the Chair “to
the chair. order.”

(b) Speeches shall be clear and relevant to the 9. A Question should not be put to the vote if a
subject before the meeting. member desires to speak on it or move an
amendment to it - except that a “Procedural
2. A member shall only address the meeting when Motion,” the Previous Question “proceed to the
called upon by the Chairman to do so, after which next business” or the “closure.” “That the
he/she immediately takes his/her seat. question be now put,” may be moved at any time.

3. No member shall address the meeting except 10. Only one amendment shall be before the meeting
through the Chairman. at one and the same time.

4. A member shall not speak twice on the same 11. When a motion is withdrawn, any amendment to
subject except: it falls.

(a) The mover of a motion who has the right to 12. The Chairman shall have, in addition to his
reply. ordinary vote, a “Casting Vote” in the case of
inequality votes.
(b) He/she rises to object or to explain (with
permission of the Chair). 13. If there is an equality of votes on an amendment,
and if the Chair does not exercise his casting vote,
5. No speeches shall be made after the question has the amendment is lost.
been put and carried or neglected.
14. The Chairman shall make provisions for the
6. The mover of a procedural motion (adjournments, protection of members from vilification (personal
postponement, lay on the table) shall have no abuse.)
right to reply.
15. No member shall impute improper motivates
7. A member rising on a point of order shall state the against the Chairman, Board of Directors, Officers
point clearly and concisely. (A point of order must of the Confederation or any other member.
have relevance to the Standing Orders.

8. (a) A member shall not call another member to
order, but may draw the attention of the Chair
to a “Breach of Order.”

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M MANCHESTER CO-OPERATIVE
CREDIT UNION (1977) LTD.

Fit and Proper Criteria for Credit Union
Directors and Officers

N What is the Fit and Proper Criteria?
Requirement of the Bank of Jamaica Credit Union Regulations seeks to ensure that persons elected as
Directors or officers of a Credit Union:-
Are competent, diligent and able to exercise sound judgement.
Have not been convicted of an offence involving honesty and are not Un-discharged Bankrupts.
Have employment records free of acts of dishonesty or impropriety in the handling of financial affairs.

Fit and Proper Requirements for Credit Union Directors and Officers
How does the process work?

Notification of persons elected as Directors and Officers at a AGM or appointed by a committee and
forwarded to the Supervisor.
The Supervisor will assess the fitness of the persons.
The Supervisor will advise the Credit Union if any person does not meet the fit and proper criteria.
The Credit Union is then required to terminate the appointment of the affected person.

118 ANNUAL REPORT 2016