Philippine College of Northwestern Luzon

San Antonio, Agoo, La Union 2504, Philippines

A Narrative Report in
On-the-Job Training undertaken at Cooperative Bank of La Union (CBLU)
Located at National Highway, Sta. Barbara, Agoo, La Union

In Partial fulfillment of the requirements for the degree of

Bachelor of Science in Business Administration

Submitted to:

Nemesio P. Villamil
Dean, BSBA

Submitted by:

Kristine Mae D. Remanes

Intern

2024
 Philippine College of Northwestern Luzon
San Antonio, Agoo, La Union 2504, Philippines

NARRATIVE REPORT
Daily Accomplishment Report
DAILY WORK ACTIVITIES
WEEK 1
NO. OF
DATE ACCOMPLISHMENTS WORKING
HOURS
January 15, I formally started the On-the-Job Training as I go to
2024 the office early at the morning. Subsequently, I was 8
(Monday) assigned on the Loan Department by Mr. Von Russel
Olarte, the General Manager of the bank, and
introducing the Head of the Loan Department, Mr.
Michael Valdez and the employees under the Loans
Department who’ll be my guide in acquiring career
enhancement activities.
Upon arriving at the work office I observed what was
the employees doing and the initial or starting Activity
that has been assigned to me is compiling the the
folders and client’s files.
January 16, The following day I was task to joined Ms. Jayza
2024 Ramirez and Ms. Diana Chan to distribute some fliers at 8
(Tuesday) the market place of Agoo, La Union. Also I accompany
them to buy some decorations that will be using for the
incoming anniversary of the bank.
Afterwards, Ms. Jenebeth Junio ask and thought me
to input the expenses used on excel.
January 17, As of this day, the employees are busy doing their
2024 reports and taking care to their clients. I was assigned 8
(Wednesday to prepare the things that will used for the decoration
) later in the afternoon. Also Ms. Marife ask me to go to
Ms. Joy for Cashier’s Check (CC).
January 18, In this day, it was the day of the bank’s 31st
2024 anniversary. The first thing I did was go for Cashier’s 8
(Thursday) Check. And tasked to compile some clients file for Ms.
Marife.
In the afternoon I encoded a Certification of
Compliance and Self Assessment of the bank. The last
thing I did was to go to LBC for the delivery of the
client’s document.
January 19, Compiling some document that was tasked by Ms.
2024 Marife and tasked to go for Cashier’s Check. Also 8
(Friday) scanned the documents of the minutes of the meeting
for the pass months. I also photocopied some clients
documents and its collateral for its loans.
Total: 40
 Philippine College of Northwestern Luzon
San Antonio, Agoo, La Union 2504, Philippines

NARRATIVE REPORT
Daily Accomplishment Report
DAILY WORK ACTIVITIES
WEEK 2
NO. OF
DATE ACCOMPLISHMENTS WORKING
HOURS
January 22, Tasked by Ms. Jenebeth Jumo (Accounting) to sort
2024 the files of proofsheet for the month of December 2023. 8
(Monday) I’m also asked to signed to Mr. Von Olarte (General
Manager) and to Ms. Joy Fortes (Cashier, and then
encoded the list of name of the loan granted, from the
month of October to December tasked by Mr. Michael
Valdez. Lastly, I was tasked to scanned a file of
certificates and letters by Mr. Jay Mapanao (Internal
Auditor) and the supervisory data center by Ms.
Marjorie Aquino (Acting Appliance Officer).
January 23, I was tasked by Ms. Marife (Loan Bookkeeper to sort
2024 the files of loan proofsheet. Then tasked to check and 8
(Tuesday) encode the updated election code for Mr. Jay Mapanao
(Internal Auditor). I sorted t he file of Time Deposit
Computation sheet and the interest on CTD by Ms.
Rosbeth (Assistant Accounting). The last thing that was
tasked to me is to photocopy the RCL of Ms. Marjorie
Aquino (Acting Compliance Officer).
January 24, I was tasked by Mr. Von Olarte (General Manager)
2024 to photocopy some certificates of land and also the BIR 8
(Wednesday Form with holding tax expanded for the year 2023.
) Later, Mr. Jay Mapanao (Internal Auditor) thought
me on how to audit the files of Loans Documentary
Requirements.
January 25, I was asked to go for Cashier’s Check (CC) by Ms.
2024 Marife (Loan Bookkeeper). Also photocopied the files of 8
(Thursday) certificates of Special Power of Attorney, given tasked
by Mr. Von Olarte (General Manager).
I continued too audit the Loan Documentary
Requirement as of November 2023.
January 26, Assigned to go for Cashier’s Check (CC) by Ms.
2024 Rosbeth (Assistant Accounting). Also sort some files of 8
(Friday) proofsheet of August 2023.
Last, I scanned some certification for Ms. Marjorie
Aquino (Acting Compliance Officer).
Total: 40
 Philippine College of Northwestern Luzon
San Antonio, Agoo, La Union 2504, Philippines

NARRATIVE REPORT
Daily Accomplishment Report
DAILY WORK ACTIVITIES
WEEK 3
NO. OF
DATE ACCOMPLISHMENTS WORKING
HOURS
January 29, Mr. Von Olarte assigned to photocopied and sort the
2024 statement of account, and I also photocopied the mail 8
(Monday) transmittal of BSP, that was assigned by Mr. Jay
Mapanao. Ms. Diana Chan asked me to photocopy the
List of Loans name and I sorted the loan files.
And lastly, I maked a photocopy of cashier check
that was assigned by Ms. Joy.
January 30, Tasked to photocopied the Tax of declaration and
2024 Ms. Rosbeth asked me to go for Cashier’s Check (CC). 8
(Tuesday)
January 31, Mr. Von Olarte (General Manager) assigned me to
2024 encode a letter for ACPC. I was also tasked to encode 8
(Wednesday the Business Continuing Program Disaster Recovery
) Plan (names, positions, address, and it’s
responsibilities), Team notes and responsibilities, The
IT Technical Service Team, Disaster Recovery Team
and lastly, Emergency Management Team.
February 1, Mr. Michael Valdez (Loans Officer) was assigned me
2024 to compute the loans collection report as of August 4
(Thursday) 2023. The Loans Bookkkeeper which is Ms. Marife
Saltat asked me to arranged the official receipts of
January 2024.
We took half in this day because we used it for our
preparation on the event at the school, which is the
College Night.
February 2, I did the same thing I did yesterday, which was to
2024 compute the loans collection report as of September 8
(Friday) 2023, as instructed by Mr. Michael Valdez, the Loan
Officer. Ms. Rosbeth Tamayo, the Accounting Assistant
assigned me to sort the file accounts proofsheet.
Lastly, Ms. Rosbeth asked me to go for Cashier’s
Check (CC).
Total: 36
 Philippine College of Northwestern Luzon
San Antonio, Agoo, La Union 2504, Philippines

NARRATIVE REPORT
Daily Accomplishment Report
DAILY WORK ACTIVITIES
WEEK 4
NO. OF
DATE ACCOMPLISHMENTS WORKING
HOURS
February 5, I checked the list of names on loans and I also
2024 checked if it is balance. The senior high school OJT’s 8
(Monday) from Saint Mary’s Academy (SMA) have arrived for their
two-week immersion at CBLU. I was assigned to sort
the files of proofsheet for the month of January.
The Acting Compliance Officer, which is Ms.
Marjorie Aquino asked me to encode the Financial
Consumer Protection Framework Manual.
Lastly, I encoded the Summary of Remitted
Document Stamp of 2023 as instructed by Ms. Rosbeth,
to ensure its balance.
February 6, I encoded and computed the loans collection report
2024 as of October, instructed by Mr. Michael. Additionally, I 8
(Tuesday) encoded Chapter 8 of the Financial Consumer
Protection Framework Manual, which covers the internal
audit program. Furthermore, I arranged the official
receipts in alphabetical order, as ordered by Ms. Marife
Saltat.
February 7, Just like yesterday, I encoded and computed the
2024 loans collection report for November and December. I 8
(Wednesday also sorted and photocopied the the Monthly
) Remittance Return of Income Taxes with held on
Compensation.
February 8, I encoded Chapter 9 of the Financial Consumer
2024 Protection Framework Manual which outlines the 8
(Thursday) training program. We also cooperated in the conducted
fire drill, which includes a brief seminar/orientation and
a practical fire extinguishing exercise.
February 9, Non-working
2024
(Friday)
Total: 40
 Philippine College of Northwestern Luzon
San Antonio, Agoo, La Union 2504, Philippines

NARRATIVE REPORT
Daily Accomplishment Report
DAILY WORK ACTIVITIES
WEEK 5
NO. OF
DATE ACCOMPLISHMENTS WORKING
HOURS

February 12, I continued the page encoding for Chapter 10 of the

2024 Code of Conduct and Chapter 11 of the Product Manual 8
(Monday) of Financial Consumer Protection Framework Manual.

February 13, I finished encoded the last remaining chapters of

2024 Financial Consumer Protection Framework and 8
(Tuesday) consumer protection measurement and evaluation of
risk. I also encoded and computed the loans collection
report as of January.

February 14, I encoded the annexes of Financial Consumer

2024 Protection Framework Manual. The Annex A which is 8
(Wednesday) the Risk Management and Analysis Matrix and Annex B
which is the Security Breach Response Plan.

February 15, I was assigned to go for Cashier’s Check (CC) and I

2024 encoded the MONEY LAUNDERING AND TERRORIST 8
(Thursday) FINANCING PREVENTION PROGRAM.

February 16, I was instructed to go for Cashier’s Check (CC) and

2024 after that I was assigned to sort some accounting 8
(Friday) proofsheet. Lastly, I photocopied some Official
Receipts..
Total: 40
 Philippine College of Northwestern Luzon
San Antonio, Agoo, La Union 2504, Philippines

NARRATIVE REPORT
Daily Accomplishment Report
DAILY WORK ACTIVITIES
WEEK 6
NO. OF
DATE ACCOMPLISHMENTS WORKING
HOURS
February 19, I inserted a Registry Return Receipt on the folders of
2024 PGLU loans. Continued encoded the Money Laundering 8
(Monday) and Terrorist Financing Prevention Program.
February 20, I finished encoding Money Laundering and Terrorist
2024 Financing Prevention Program and I encoded the Social 8
(Tuesday) Media Risk Management Manual.
February 21, I sorted files of loans proofsheet and encoded the
2024 Chapter 4 of Risk Management Audit and Compliance 8
(Wednesday Function of Social Media Risk Management Manual
) containing Section 1: Rules and Regulations , Section
2: Consumer Protection Function, Section 3:
Compliance Functions, Section 4: Internal Audit.
Furthermore, I photocopied some clients files and look
for file names of customers on secured and unsecured
loans.
February 22, I photocopied certificates of appearance from the
2024 seminar attended by Ms. Jenebeth and Ms. Rosbeth.I 8
(Thursday) also photocopied the CDA, Mayor’s Permit and Tax
Declaration. I sorted the file of accounting proofsheet
and was assigned to go for Cashier’s Check (CC). I was
also assigned to sort some client files. And lastly, I
scanned some certificate of compensation payment/ tax
withheld.
February 23, I inserted check deposits slip on the proofsheet of
2024 October and November, tasked to file the consolidated 8
(Friday) proofsheet and accounting proofsheet. I was also
tasked to photocopy the Analysis of Financial
Statements that will be using on the board meeting that
will be held on Sunday (February 25), also photocopied
the contract of Security Service and the promissory note
that is needed approval of the Board of Directors for Mr.
Von Olarte (Gen Manager).
I was tasked by Ms. Marife to arrange the official
receipts. And I helped Ms. Mary Jane to change the
name of the former Loan Officer of their loan sheet.
Total: 40
 Philippine College of Northwestern Luzon
San Antonio, Agoo, La Union 2504, Philippines

NARRATIVE REPORT
Daily Accomplishment Report
DAILY WORK ACTIVITIES
WEEK 7
NO. OF
DATE ACCOMPLISHMENTS WORKING
HOURS
February 26, This day we met the second batch of the Saint
2024 Mary’s Academy (SMA) OJTs for their work immersion 8
(Monday) of two weeks at CBLU.
I was tasked to go for cashier’s check (CC), and
compiled the loans and accounting proofsheet for Ms.
Marife and Ms. Rosbeth. I also attached new clients
name on its folder and filed their documents on it.
February 27, I continued attached the documents of the new loan
2024 borrowers to its folder. Also tasked to photocopy some 8
(Tuesday) of the IDs of clients for Kabayan Loan.
I also compiled the file of the accounting
proofsheets.
February 28, I was tasked to go for cashiers check (CC). I
2024 photocopied some of the documents foor Ms. Diana and 8
(Wednesday the Audit Compliance Memorandum for Mr. Von.
) Later that I was assigned by Mr. Michael to assist
the OJTs of SMA for encoding the list of borrowers with
approved loan in Agrinegosyo (ANYO) Loan Program
and double check it. i also compiled the accounting
proofsheets.
February 29, I compiled the Loan and Accounting proofsheets.
2024 Also tasked to check the documents of the new loan 8
(Thursday) borrowers for ACPC if they already have submitted the
requirement of RSBSA. And I attached the minutes of
the meeting of the Board of Directors that was held on
February 25 on the folders of the new approved loans
and highlighted the borrowers on it. After that I assist
and interviewed a clients for its RSBSA requirement.
March 1, Early in the morning I checked the folders of the
2024 new approved loans if there is a minuted of meeting 8
(Friday) attached to each folders and put some to the folders
that has not.
I also arranged the Board of Directors Resolution
that will be sent to Atty. Vicente Ching (Chairman of the
Board).
Total: 40
 Philippine College of Northwestern Luzon
San Antonio, Agoo, La Union 2504, Philippines

NARRATIVE REPORT
Daily Accomplishment Report
DAILY WORK ACTIVITIES
WEEK 8
NO. OF
DATE ACCOMPLISHMENTS WORKING
HOURS
March 4, I attached the Time Deposit Computation sheet to
2024 the folders of each designated depositors. Labeled the 8
(Monday) Compact Disk (CD) that will be sent on the BIR. I was
also tasked to sort the Credit and Debit Advance, Check
Vouchers, Closed CTD and Disbursement Vouchers
then attached it on its folder.
I photocopied IDs and requirements of the clients.
Compiled the Loans Proofsheet. And arrange the Loan
Application Form.
March 5, Tasked to go for Cashiers Check (CC). Scanned
2024 the Official Receipt of the past transactions. Compiled 8
(Tuesday) the Loans and Accounting proofsheets. Photocopied the
land bank transaction history and the continued to
arranged and compile the Loan Application Forms
March 6, I helped Ms. Mary Jane on the files that will be
2024 placed on the storage room. Then we arrange 8
(Wednesday alphabetically the names of the PGLU Loaners with
) SMA OJTs. Compiled the Loans and Accounting
proofsheets. And arrange the Loan Application Forms.
March 7, I was tasked by ms. Elvie (BOD Secretary) to get the
2024 signatures of the Directors for their attendance on their 8
(Thursday) 3rd Special BOD Meeting that was held March @, which
they perform online. The I Compiled some documents
to its folders of the loan borrowers.
I file the accounting proofsheet. Sort the Official
Receipts. Photocopied some clients requirements and
check the name of some borrowers on the list of loan
borrowers.
March 8, We are assigned to distribute CBLU flyers at the
2024 Public Market of Tubao together with Ms. Jayza and 8
(Friday) Ms. Diana. I was tasked to compile the Loan and
Accounting proofsheets and I also photocopied and sort
the BIR form.
Total: 40
 Philippine College of Northwestern Luzon
San Antonio, Agoo, La Union 2504, Philippines

NARRATIVE REPORT
Daily Accomplishment Report
DAILY WORK ACTIVITIES
WEEK 9
NO. OF
DATE ACCOMPLISHMENTS WORKING
HOURS
March 11, Mr. Von asked me to fill out the raffle draw ticket for
2024 his son. I scanned the names on the official receipts for 8
(Monday) this day. I was tasked to go for cashier’s check and also
I compile the loan proofsheet and attached a label the
Advance Report of Examination Findings (AREF). I
photocopied the ID’s and other requirement of a client. I
was assigned to compute the 5010 Journal Transaction
Entry per Code Details from Feb 1-29, 2024 and I fill out
the BIR payment slip of LANDBANK for Mr. Bresnev
Orencia.
March 12, We met the DMMMSU OJTs that we will be with for
2024 one month, then I was asked by Mr. Michael to guide 8
(Tuesday) them how to use the photocopy machine. And I
highlighted the amounts of loans that was paid by the
borrowers. Also compiled the files of the clients that will
be attached to its folder.
March 13, I sort the proofsheet of February and separate the
2024 tickets to proofsheet for the date 1-29. And inserted 8
(Wednesday some CCs to the proofsheets of October 2023.
) I printed the list of borrowers granted from the year
2022 and highlighted the names of the loans granted of
2022 if it has already scanned files. Then I photocopied
the IDs of the clients that will be granting a loan.
March 14, I find some clients file on secured loan files and the
2024 photocopied the ICRR of this clients that was attached 8
(Thursday) to it and give it ti Ms. Jayza. I also assist and interview a
clients for their details for their loan. And later that I
helped my co-OJTs to arrange alphabetically the folders
of ACPC loans.
March 15, I compiled the accounting proofsheets and the
2024 Computed Time Deposits. Go for Cashiers Check. At 8
(Friday) lunch we eat at the office for the celebration of Mr.
Alex’s Birthday, we also helped Kuya Jhunnel to clean
the paper plates that we used from eating.
Later that we search for a files that there was no
promissory notes attached and was exchange to other
files.
Total: 40