{"id":677,"date":"2008-09-14T00:00:48","date_gmt":"2008-09-14T00:00:48","guid":{"rendered":"http:\/\/upvarrons.org\/wp_tudla\/?p=677"},"modified":"2016-10-12T10:10:10","modified_gmt":"2016-10-12T17:10:10","slug":"mikes-thought-on-banking","status":"publish","type":"post","link":"https:\/\/upvarrons.org\/wp_tudla\/mikes-thought-on-banking\/","title":{"rendered":"Mike’s thoughts on banking"},"content":{"rendered":"
Miguel “Mike” Marave (Skylove ’73) is an alumnus of the College of Forestry, UP Los Ba\u00f1os and the University of Washington\u2019s International Business Program. He currently serves on the board of the Washington Economic Development Finance Authority, Washington State Export Finance Assistance Center, Filipino Chamber of Commerce of Pacific Northwest, and the Filipino Community of Seattle Community Development Corporation.<\/h5>\n
\"Mike

Mike<\/p><\/div>\n

He is married to Fe Relampago Marave, a registered nurse at Provident Everett Medical Center (Washington). They are blessed with two sons, Voltaire<\/strong><\/em>and <\/strong>Vincent<\/strong><\/em>. They live in Mill Creek, Washington.<\/h5>\n
\n

Tudla extends its warmest congratulations to you for being elected as the President of the UP Varrons Ltd. International (UPVI). For the benefit of those Varrons who may be wondering about the UPVLI, can you describe the purpose of UPVI, why it was created, and how do you view its relation to the whole UP Varrons organization in general?<\/em><\/strong><\/span>
\nFirst of all, let me express my appreciation to the core group of Tudla for according me the opportunity to be interviewed. It is indeed an honor and privilege. As one of the movers and shakers of our organization here in the US, I take pride in blazing the way for the future leaders of our foreign-based organization. By all means, I am not taking all the credits for organizing the UPVL International (UPVLI). I have to recognize Vrods Terry Sarigumba (Magnificent Seven ’67)<\/span>, Lino Blanche (21st BCT ’67)<\/span> and Gil Menodza (Dirty Dozen ’69)<\/span> for maintaining the burning light of our esteemed organization abroad. Before UPVLI was conceived, Vrods Terry and Lino were already having regular Varrons get-together in the East Coast. The bond of the East Coast Varrons was equally matched by the bonds of our West Coast Varrons. Regular get-togethers by our vrods and sis in the Pacific Northwest, California and Canada proved that the ideals and camaraderie are alive and well. UPVL International is a foreign-based social organization composed of members who subscribe to the Varrons ideals and dedicated to assisting each other, in terms of education\/research, morale and sometimes financial support. If a Varron wants to visit a certain place in North America, one could ask assistance from a Varron from that particular location for scenic locations and perhaps suggestions on the best place to dine, play, relax and sleep. A get-together with UPVLI members will help us reminisce the college life and be updated of what is going on in our organization. Our mother organization back in Los Ba\u00f1os can also derive some benefits from the UPVLI. It can and will aid and assist distressed worthy vrods and sis financially or on his\/her travel plans to North America. UPVLI can also be part of larger projects that our alumni and undergrads want to embark on.<\/p>\n

Can you give us your vision as to what you want to accomplish in your tenure as president and where you want the UPV International to go?<\/strong><\/em><\/span>
\nUPVL International was organized in 2004 and to date, it has no legal identity. This means the organization is not incorporated and has no non-profit status. We do not even have bank account. In the next six months, I will do everything to make this organization fully functional, recognized organization, capable of accepting donations that can be declared as a charitable contribution. For my longer goal, I hope to establish a scholarship program that could assist our deserving vrods and sisses complete their undergraduate studies or provide funding assistance for masteral or doctoral thesis. For a lighter moment, I would like to reach out to our USA- and Canada-based Varrons to organize get-together parties\/reunion in their home turf before my term ends.<\/p>\n

I want the future UPVL International to be self sufficient financially so that it can aid and assist on whatever endeavor our home base organization plans to embark on. With the aid of our more prominent Varrons in North America, I would like then to assist on a fund raising effort before my term expires, to fund a small but visible projects at the CFNR (College of Forestry and Natural Resources). Stay tuned for more update in this regard.<\/p>\n

<\/div><\/div><\/div>
\"Mike

Mike with his wife Fe and two sons, Voltaire (a Sociology major at the University of Washington) and Vincent (a History and Communication major at Western Washington University).<\/p><\/div>\n

You are currently the Senior Vice President & Manager of International Banking Services at Bay Bank \/ Cowlitz Bank in Washington State. Several questions that are probably in the minds of most Varrons include the following: How did you go from a forestry graduate to being involved in banking? \u00a0Why did you decide to change your career area? \u00a0We hope you don\u2019t mind giving us the whole story. Please include whatever \u201ctwists and turns\u201d that you encountered.<\/strong><\/em><\/span>
\nInternational trade business was first introduced to me by my late uncle 28 year ago. He owns a trading firm and a logistics company in Los Angeles. After a couple of months of going to his office and hearing him talk to customers and explaining the intricacies of international business and logistics, I fell in love with it. I was put on the spot when he told me to look after the business while he went on vacation to the Philippines for a month. I did the best I could to service existing clients and was astonished by the growth of my knowledge and interest for this line of business.<\/p>\n

A change in profession from a forester to a banker, an engineer, a health care professional or a public servant is pretty common in America. In the late 1970s, the forestry graduates have the highest unemployment rate in the USA. To date, forestry graduates that have immigrated to the US that are still in the forestry profession are mostly in the academe. Forestry graduates need to reinvent themselves to survive and make it in America.<\/p>\n

When my uncle came back from vacation, I told myself that I need to move on. I then applied for a clerical position at the Bank of Tokyo\u2019s international banking department. Three months later, I was promoted to the Letter of Credit Negotiator position. A year later, one of the bank\u2019s customers, Loya International recruited me to be an assistant manager of their international department, handling logistics and letter of credit documentation and transactions. I stayed in the logistics side of the international business and achieved what most people would consider a lifetime achievement. I obtained a Federal Maritime Commission license for Ocean Freight forwarder and became President of the Los Angeles Cargo Association. I assumed various executive management positions in various companies for the next 12 years. I rose up to be a President of a U.S. based company and was able to establish offices in Manila and Cebu with 23 staff. When recession hit the USA in the late 1980s and early 1990s, I closed the company and went back to banking.<\/p>\n

In 1992, I moved to Seattle, Washington, and joined again the Bank of Tokyo as an Assistant Vice President for Export Import Operation. Seven years later, a start-up bank, Pacifica Bank, recruited me as a Vice President to establish the International Trade Department from scratch. I took the challenge, like most Varrons would, and was able to make the department profitable in less than a year. I made several speaking engagements, lectures and seminar on international trade along the way. I also write articles on International Trade on one of the Filipino newspapers in Seattle, The Filipino American Bulletin. When Pacifica Bank was sold, seven years later, Bay Bank \/ Cowlitz Bank, a regional bank operating in the states of Washington and Oregon, recruited me to once again establish and beef up their international trade services. To date, my division contributes 20% of the total revenue of the bank. I report directly to the EVP & Chief Credit Administrator and to the President & CEO. I travel overseas and locally to maintain our correspondent banks ad and develop business relations with customers. To date, my 4 officers in various departments run the day-to-day operation, while I formulate policies, procedures and business direction of the bank\u2019s international business. .<\/p>\n

Can you describe your typical day being a banker?<\/strong><\/em><\/span>
\nMy exact responsibilities at the bank cover the following areas: \u00a0(1) branch operations, (2) international trade operations, (3) foreign exchange operations, (4) development and maintenance of foreign accounts and correspondents and (5) the remittance \/ wire transfer department. I have two offices, one in the branch and one in the international trade division. I spend more time in the international trade side simply because I have more staff there. I am normally in the office between 7:30am to 8:00am. This gives me at least 30 minutes before the staff starts to arrive. This is my time to open my emails and reply to those that are urgent and time-sensitive because the East Coast is already ready to go to lunch. At about 9:00 am, I look at reports that my staff provide me daily on production, accounting, deposit and trade operations. I visit each unit\u2019s officers before 10:00am. When necessary, I call all the officers for a brief meeting and give directions and for me to receive updates on all outstanding issues and projects. Meetings are scheduled normally at about 10:00am to 12noon and sometimes continue through lunch. If no meetings are scheduled, I call on my officers for a short meeting and assign various projects or discuss progress on ongoing projects. I rarely call on customers anymore, but I make it a point to call on our biggest customers and our correspondent banks. During the day, issues pertaining to marketing, security, risk management, I.T., compliance and audit are received and reviewed. As the operation is in full swing, I get calls or visited by my officers for decision on how to handle special cases or ask for my signatures on various documents and operation exceptions. I normally go home at about 6:30 pm.<\/p>\n

You are still an active member of the Society of Filipino Foresters in North America (SFFNA). Since you are in a different career area now, what is the compelling reason for you to do that?<\/strong><\/em><\/span>
\nOnce a forester, always a forester. Forestry is my first profession. I grew up in a town, where arguably the largest integrated wood processing plant is located, i.e., Nasipit Lumber Company and the Philippine Wallboard Corporation. The Society of Filipino Foresters in North America was established in Seattle, Washington in 2004. Last May 24, 2008, I was elected President for 2009 and 2010. I have accepted the leadership challenge of this organization, not for glory or recognition but to make a difference and to somehow contribute to the enrichment of the forestry profession in the Philippines. We have plenty of forestry graduates in America that are willing to share and give back to our Alma Mater in terms of knowledge, experience and financial. It is my hope that I could start the effort in establishing a professorial chair or a scholarship program for the college. This gargantuan task will hope to ignite the interest of the other foresters to join the bandwagon. SFFNA is another infant organization that has no legal entity also and I plan to incorporate this also. Helping a Varron is akin to helping a forester.<\/p>\n

You have been in the US for more than 20 years. Do you think you are living the American dream?<\/strong><\/em><\/span>
\nWe all have our own definition of what an American dream is. American dream is relative. I believe that if one feels that he\/she has accomplished more than what he\/she thinks could have been, then he\/she has lived the American dream. One could consider an achievement of a lifetime if he\/she owns a beautiful and lavishly furnished estate with a couple of Mercedes Benz or Lexus in the garage, thus living the American dream. Consequently, a person who has nothing when he\/she left the Philippines, would consider living an American dream just by owning a simple home, a decent car and a promising career. After 30 years in the USA, I have embraced the American culture and spirit as I presume to live the American way of life.<\/p>\n

Who recruited you to become a member of the UP Varrons? From your perspective, does being a Varron make a difference in your life now? <\/strong><\/em><\/span><\/p>\n

<\/div><\/div><\/div>
\"Mike

A 100% Varron! The undergraduate members gave Mike an enthusiastic welcome when he visited UPLB in early 2008.<\/p><\/div>\n

I was first introduced to our organization when I was still a freshman (1972). Vrod Dado Ocampo (Apollo Twelve ’70) was then the GV. The first question to me was, why did you choose the Varrons? My answer was, \u201cAfter surveying all the organization, I feel the Varrons suits my character, ideals and belief.\u201d I then remembered Vrod Tom Reyes (The Bastard ’71), asking me, \u201cYou are still a freshman and you have already taken surveying?\u201d I got cold feet and did not attend the next meeting and dropped out. I could have been a member of the Flood Victim \u201972. My first roommate at the new Men\u2019s Dorm, were Vrod Joe Arances (21st BCT ’67)<\/span>, Vrod Robert \u201cBoy\u201d Ara\u00f1o (Magnificent Seven ’67)<\/span> and the late Amado Exile (CMU graduate student). On top of that, Doc Manny always came and visited us because Doc, Joe and Boy were classmates during their undergraduate years. My activities during my college days revolved around these three Varron luminaries. I finally joined the Varrons in my second year. I really could not recall who recruited me but no other frat could even begin to recruit me because I was already tagged as Varron because all my regular companions were Varrons. But if there was one Varron who could convince me to join, that would be Vrod Joe Arances. The effect of the organization to a student will not be clearly noticeable while he\/she is still in school. As a student, we lean towards being a receiver instead of a donor. We join the organization in hope that we could find the perfect fit to our own character, a perfect fit to develop and enhance our talents, and a perfect place to make a difference. The Varrons spirit was dormant in my heart for a long time until the creation of our Yahoo Egroup. I have happy memories as an undergrad Varron and could vividly recall how our elder vrods and sisses contributed to the relief of us, the neophytes. I have matured as a Varron. Our theme song, Impossible Dream, served as my inspiration in achieving what I am right now. I persevered as I travel the roads to self sufficiency. Our Varrons Star served as my guide every time I am lost in the jungle of the business world.<\/p>\n

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Miguel “Mike” Marave (Skylove ’73) is an alumnus of the College of Forestry, UP Los Ba\u00f1os and the University of Washington\u2019s International Business Program. 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