Mountain Bank

Running Head: MOUNTAIN BANK 1

MOUNTAIN BANK

ACHIEVING A COMPETITIVE ADAVANTAGE IN THE MARKET

AUTHOR ANONIMOUS

STRAYER UNIVERSITY

PROFESSOR AFRAA AL BAHRANI

STRATEGIC HUMAN RESOURCE MANAGEMENT

OCTOBER 21, 2011

Running Head: MOUNTAIN BANK 2

Abstract

Mountain Bank is a small bank located in the northwest United States. Its’ major function is in retail banking, although the bank has three other business lines which are consumer lending, real estate and mortgage, and corporate banking. Mountain Bank has managed to acquire about 50 percent of the retail banking in the area. This business includes checking and saving accounts which are not a lot of capital for the bank. The consumer business is doing average with 25 percent of the market for secured and unsecured loans, which is from home equity lines of credit, automobiles/boat, to credit cards.

Mountain Bank failed to show stability due to only servicing less than 10 percent of the market for real estate and mortgage banking. These services are viewed from outside as a stable form of income. The bank has been unable to provide corporate banking to business corporate clientele. The bank is only able to provide less than 5 percent in the corporate banking market for acquiring equipment and expanding business to their clients, although this service would be beneficial to Mountain Bank.

Leadership realized that in order to maintain leverage, their strategy must be based off of their strongest access. Retail banking, tellers and customer service representatives is where the success and stability lies within the bank. Tellers and customer services representative started convincing the customers with the banks accounts to consolidate their business with one bank by...