Is loan sales easy to do?

Loan sales should be pretty easy to do. Loan sales are equivalent to loan officers, salespeople who specialize in lending. This job is said to be easy or easy to do. After all, banks control the funds. There are many small and medium-sized enterprises that are short of money now. It is said to be difficult to do but also very difficult to do. It is the last word that you can get the money back after you put it out. Otherwise, for such a small amount If you lose the interest, you will lose a lot. So finding the right credit customers is difficult. The salary of the credit account manager is linked to the loan interest. If the loan cannot be recovered, it will be a disaster. Survival wages will be paid, and the rest of the performance rewards will be deducted. There are people who can do well above 10,000, but it’s difficult to do well even if they can’t do 2,000.

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Industry sales that make money:

1. Internet marketing industry. The rise and development of the Internet in China have made China’s online sales unprecedented. The level and height of Taobao's sales exceed 100 billion a day, which shows the power of online sales, which is simply incomparable in ordinary physical stores. However, this kind of online sales requires innovative thinking and concepts from the new era and new media, and we should no longer stick to the original traditional model.

2. In fact, "5G" has been a hot word on the Internet in the past two years. Almost everyone has heard of it, but it seems that it has little relevance to their lives. In fact, the past few years have been the "peak period" of the development of the 5G industry, and China, as the "leader" in the development of the 5G industry, still has a long way to go in the coming years.

3. Health insurance industry. As the population structure changes and living standards improve, there will be more and more elderly people, and the public will pay more and more attention to elderly care, so this sales industry will become more and more promising.

4. Tourism and health industry sales. With the development of social economy, people pay more and more attention to spiritual enjoyment, so tourism has become a way for everyone to freely yearn for. Well, the travel and health and health tourism industries have also boomed in recent years. So if this industry is recommended and promoted to those in demand, it will become the highlight of sales.

Can a complete novice do loan sales

Yes. It is actually not difficult to sell loans now. There are definitely more customers who want loans than deposits, so you can see whether you meet the loan conditions or not. Many bank account managers don't have to think about how to sell. They just wait for customers to come to inquire and start processing on the spot if they meet the loan policy. Loan sales are actually not difficult, but deposit sales are getting more and more difficult now. New employees generally have a positive work attitude and want to do a good job. For loan marketing account managers, they want to achieve both marketing performance and interpersonal relationships at work, satisfy their leaders, and satisfy their colleagues. To be impressed, you must learn more, listen more, see more, and run more.

How to do a good job in loan sales

1. Learn the bank’s loan management regulations, loan procedures, loan types, loan procedures, etc. As soon as new employees arrive at the bank and are assigned to a credit position, they must become familiar with the bank's various loan-related systems, regulations, and procedures as soon as possible. Only by being familiar with all loan-related knowledge can they use it flexibly in future work. If a customer asks you about business and you are at a loss for words and still have to look up information or ask your colleagues, that is really ridiculous.

2. Learn from old bank employees, listen to their experiences and see their work processes. No matter which position they are assigned to in the bank, new employees feel very helpless and don’t know where to start. At this stage, they can only ask if they don’t understand, observe the working methods and processes of the old employees, and take a notebook to record the loan points emphasized by the old employees. Notes and difficult questions.

3. Make it clear which market you want to develop, and then understand where this market is in your area, so that you can systematically promote and develop it, and occupy this fast market more quickly.

4. Credit workers must have strong professional knowledge and business skills, and colleagues who solve customer questions must also be able to promote our loan projects based on the actual situation of the customer

5. As an excellent credit staff, we not only need good professional knowledge but also rich relevant knowledge. We are required to be able to "know ourselves and the enemy" to bring us closer to our customers.

6. Credit staff must have comprehensive and comprehensive analytical capabilities so that credit assessment decisions are based on scientific, reliable, safe and basic conditions, and the risk of loans can be reduced to a minimum.

7. Promote widely and actively build customer relationships. You can mobilize relatives and friends to search for customers with loan needs, or you can introduce some customers with frequent loan needs through leaders or colleagues. Once you are familiar with the work process, you can sweep the streets, provide door-to-door services, understand the economic conditions of some merchants and residents, keep records at the same time, actively announce the loan policy, and strive to have customers come to you when they need loans. handle.

How much does it cost to sell loans per month?

In fact, each bank now arranges different tasks for its employees because of the different businesses they are responsible for. For deposit tasks and loan tasks, if employees can have a strong contribution rate, in fact, the general salary can be more than 10,000. However, if ordinary employees have poor abilities, the salary is generally around 3,000. The key is that there are many other subsidies. , many employees can receive additional salary through performance bonuses and year-end bonuses.

However, there will be many practitioners. In fact, they are very capable, have very good customer resources, and can earn a salary of more than 20,000 yuan a month. After all, everyone can obtain a very high income through commissions and benefits, so in fact, many practitioners in the bank loan business now use basic salaries and commissions to help themselves achieve a monthly income of over 10,000 yuan.

The basic salary of employees in most banks is generally around 2,000 yuan to 3,000 yuan:

Many colleagues actually have a negative impact on themselves after entering the bank as a credit manager or salesperson. It has a great impact on the salary or income of employees because their abilities are uneven. Many commercial banks follow the responsibility system, so the business requirements for employees are very high. Therefore, when recruiting employees, they will continue to receive training. Employees, hopefully employees can handle the pressure in this industry.

Banks have various positions, such as sales and professional positions. Sales employees include financial managers, account managers and product managers.

In the team, everyone mainly obtains bonuses through performance, which is determined every six months or every year. If employees do not complete the performance of the unit in their subordinate positions, the corresponding salary may be deducted. , it can be said that there is no upper limit on the salary of these employees in the industry. If they can meet a very powerful customer, these account managers can actually receive very high year-end bonuses.

Is loan sales easy to do?

Loan sales should be pretty easy to do. Loan sales are equivalent to loan officers, salespeople who specialize in lending. This job is said to be easy or easy to do. After all, banks control the funds. There are many small and medium-sized enterprises that are short of money now. It is said to be difficult to do but also difficult to do. It is the last word that you can get the money back after you put it out. Otherwise, for such a small amount If interest is lost, the principal will be lost. So finding the right credit customers is difficult. The credit account manager's salary is linked to the loan interest. If the loan cannot be recovered, it will be a disaster. Survival wages will be paid, and the rest of the performance rewards will be deducted. There are people who can do well above 10,000, but it’s difficult to do well even if they can’t do 2,000.

:

Industry sales that make money:

1. Internet marketing industry. The rise and development of the Internet in China have made China’s online sales unprecedented. The level and height of Taobao's sales exceed 100 billion a day, which shows the power of online sales, which is simply incomparable in ordinary entities. However, this kind of online sales requires innovative thinking and concepts from the new era and new media, and we should no longer stick to the original traditional model.

2. In fact, "5G" has been a hot word on the Internet in the past two years. Almost everyone has heard of it, but it seems that it has little relevance to their lives. In fact, the past few years have been the "peak period" of the development of the 5G industry, and China, as the "leader" in the development of the 5G industry, still has a long way to go in the coming years.

3. Health insurance industry. As the population structure changes and living standards improve, there will be more and more elderly people, and the public will pay more and more attention to elderly care, so this sales industry will become more and more promising.

4. Tourism and health industry sales. With the development of social economy, people pay more and more attention to spiritual enjoyment, so tourism has become a way for everyone to freely yearn for. Well, the travel and health and health tourism industries have also boomed in recent years. So if this industry is recommended and promoted to those in demand, it will become the highlight of sales.

Is the bank credit card sales manager position a loan sales position?

No. The bank credit card sales manager position is not loan sales. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Is that "bank loan" that you get sales calls from every day real?

We all know that social and economic development is getting faster and faster, and people’s demand for funds is also increasing. Many people will receive bank loan calls from salesmen in their lives. Generally speaking, this Most of the phone calls are genuine, but what we need to pay attention to is that the interest rate they say is uncertain, which also needs to be decided according to their own conditions. I hope everyone can go to a regular bank for a loan. Only in this way can our legitimate rights and interests be better protected.

1. What do loan phone calls usually do?

Generally, the people who make loan calls like ours are people from small loan companies. They get funds from banks and lend them to us through their accounts. There is also a channel company of a bank, which can also be simple Understand it as an intermediary. It will be more convenient to get a loan through them, but the customer's own qualifications must be very good. If his own conditions are not met, then most of them are people from small loan companies. At this time, if we want a loan We must be cautious, because it is very likely to cause damage to our economy. I hope everyone can borrow money sensibly.

2. How to ensure low loan interest?

We all know that there are many banks on the market. Different banks have different loan interest rates. If we want to get a loan from formal and legal channels, then we must shop around. This is the only way. Only in this way can we minimize our economic losses. We hope everyone can handle it properly.

3. How can we increase our loan limit?

We all know that everyone’s loan limit is different. If we want to increase our loan limit faster, we must use more credit card transactions from relevant banks, and we must also We must pay attention to timely repayment, and we must not overdue accounts. Only in this way can we better increase our loan limit, which is also very beneficial to our lives. I hope everyone can treat themselves well. Credit reference.