Under normal circumstances, the main work is to absorb deposits, promote electronic products and credit cards such as online banking and mobile banking, handle personal loans, and maintain and contact individual customers. The most important job is to absorb deposits, and the requirements of each bank are different. The average daily balance of savings deposits under the name of general retail account managers ranges from several million to tens of millions. Corporate account managers mainly serve corporate customers, that is, governments, institutions, enterprises, companies and so on. His job responsibilities are mainly to attract corporate deposits and issue corporate loans, requiring strong social skills, understanding the world, and often socializing and drinking. It would be easier if there were government officials, state-owned enterprise executives and company bosses at home. Account managers generally have three ways: to develop with relevant departments of provincial branches. For example, individual account managers go to the private finance department, corporate account managers go to the corporate business department, and retail account managers go to the credit department, and then become the leaders of these departments.
The professional requirements of account manager Bank account manager BCM is a professional technician who is engaged in market analysis, customer relationship management, marketing service plan planning and implementation in the bank and directly serves customers. As a representative of foreign-funded business in the financial industry with rich connotations, BCM focuses on various available resources of commercial banks, vigorously markets financial products to target customers, provides high-quality financial services, and builds a bridge for communication and relationship development between banks and enterprises. It is the source of bank's strategic decision-making and product innovation, and the main executor of the bank's overall development strategy and objectives. The industries served by this position are diverse, and the diversified needs of customers for credit, settlement and wealth management lead to the diversity and comprehensiveness of marketing means and professional skills that account managers need to master. To do a good job in customer management and service, account managers need to have knowledge of economy, finance, finance, law, taxation, marketing, public relations, psychology and other aspects-bank account managers.