How does a loan clerk find customers and resources?

As a bank loan clerk, the first task is to expand customers and create benefits for the company. For an excellent loan clerk For salesmen, expanding customers is not a big problem because they already have a large number of contacts and experience resources. However, for many bank loan salesmen who are new to the bank or have few network resources, expanding customers is a big problem. Very tricky. In this regard, Maidaike has summarized and compiled the skills and knowledge of excellent bank loan salesmen, and will share them with you one by one below.

1. Explore the company’s products thoroughly

When you start looking for customers, the first thing you have to do is to thoroughly explore the products you want to sell, and learn as much as possible about the products. Knowledge, in the credit industry, it is often seen that many bank loan salesmen do not know much about the products they recommend. When communicating with customers, if they encounter problems, they have to call the relevant personnel for information. Just imagine, how can a person who doesn’t know much about your product convince others to buy your product?

2. Find customers online

Nowadays, in this era where everyone is talking about the Internet, as a thoughtful loan officer, we should better integrate the Internet To help you expand your customers, the specific methods are as follows.

1. Use social tools to find customers

Your Weibo, WeChat, Moments, and space must show your industry, products, and professional knowledge to everyone. To deepen the impression in your circle of friends, people may usually ignore it, but once you need a loan, you will definitely be the first one that comes to mind. But the premise is not to just post small advertisements, but to truly share some loan knowledge, loan skills, etc. In this way, friends recommend, the credibility is high, and the customer risk is directly reduced. Of course, timing is also required because not everyone needs a loan every day.

2. Join the platform to help expand customers

This does not refer to a classified information platform, but a platform similar to the Maidai App. Currently, the Maidaike App can release products, increase industry exchanges, enhance credibility, directly display contact information, and acquire first-hand customers at the lowest cost. Joining such a platform can help you increase a lot of orders.

3. Traditional offline business development

1. Expand customers through telecom yellow pages and magazines

Telecom yellow pages should be very easy to find. The most important thing is How to communicate with customers over the phone is very important in the telephone business. If we can pay attention to it, it can also help us increase a lot of orders. You can learn this by searching on Baidu for "Mai Loan: Summary of Telephone Sales Techniques of Loan Officers". As for magazines, here I will tell you about professional magazines. Nowadays, the magazine industry is relatively popular. Such magazines Most of the customers use it. Generally speaking, as long as the company appears in the magazine, it exists. The better magazines include HC, Global, etc. The industry classification of such magazines is relatively clear, making it easier to find customers.

2. Bank loan clerks can distribute small advertisements, promotions, and business cards to find customers

Although this method is not as high-end and classy as advertisements in radio, newspapers and other media. , In-car advertisements can be seen everywhere, but as a loan industry, they are one of the most basic ways to develop business. This method of advertising has low investment costs and can be directly displayed to mid- to high-end customers who own cars.

4. Use customer referrals to introduce new customers

Loan officers who are new to the workplace often lend money to customers in need who have some ability and experience in the industry. A loan officer lends money to anyone, while a loan officer with a monthly income of 50,000 yuan helps him find new customers and turns all his customers into his employees. Think about it, isn't this increasing exponentially? As you loan more and more users, you will introduce more and more new users. At this point, you may have a question, how can you maintain good relationships with so many customers? In fact, the method is very simple. You only need to add them as WeChat friends, then create a WeChat group, pull them all into it, and then often chat in it, and send a red envelope from time to time to heighten the atmosphere. If there are customers, help you introduce them. If you have a new customer, give him a small reward and post it in the group. I believe someone will help you refer the customer.

After mastering the above four methods, after a long period of accumulation, a bank loan salesperson will be able to become an excellent bank loan salesperson and realize the value of his life.

How much is the primary resource of a loan customer?

More than 200. There are high and low prices for loan customers, with the high price being more than 200 per person. Loan users actually refer to people with poor personal credit records and have been included in the loan blacklist. Loan users can be divided into bank loan users and online loan users.

Where to find customers for loan assistance

1. Pilot loan

Where to find customers, pilot loan will guide you forward. Yinghangdai provides dozens of free and open business development tools, dedicated to solving all credit problems faced by loan officers, including file checking, property evaluation, making appointments, etc., which can improve the work efficiency of credit managers. If loan officers have any difficult questions, they can ask veteran loan officers with several years of industry experience in the community to quickly solve business development problems.

2. Xicai Credit Manager Platform

Xicai Credit Manager Platform is a well-deserved platform for customers to find reliable and easy-to-use credit managers. It is committed to providing credit managers with a A free and efficient credit platform, the Xicai Credit Manager Platform uses its own technical advantages and a large number of loyal users to continuously provide credit managers with high-quality customers. It is the best platform for credit managers to find customer resources.

3. Maidaike

Where to find customers? Maidaike is also one of the credit manager platforms. Credit managers can grab orders anytime and anywhere on the Maidaike platform, which has a large number of high-quality financial loan customers, or obtain customer information by buying out exclusive customer information. In addition, in order to ensure that credit managers obtain the legitimate rights and interests of customers on the Maidaike online credit platform, each customer who applies for a loan will be reviewed by a professional risk control specialist over the phone.

4. 51 Credit Rushing Order

51 Credit Rushing Order is a very good customer resource software for mobile loans where to find customers. The customers on this platform have been screened for risk control and loan Default rates are extremely low. The credit manager who has settled in can find 3 customers for free every day, all of which are first-hand orders, and the customer information is exclusive.

5. Moore Dragon

Moore Dragon, formerly known as Yidai.com, has a huge number of customers. It uses a real-time push model where loan officers can find more customer information and expand rapidly. cause. Since its official launch, Morron has quickly become the most visited loan website in China with its strong loan industry background support and solid Internet technology R&D and operation management team.

How to get a loan

The loan amount is small (less than 50,000) through China Merchants Bank. If you are already a China Merchants Bank user and have downloaded the China Merchants Bank Mobile Banking APP, you can try Log in to mobile banking, click "My" - "All" - "Loans" - "I want to borrow money" and try to apply through this interface. If you meet the conditions for a CMB credit card, you can try to apply for a credit card.

If the loan amount is more than 50,000, if there is a China Merchants Bank in your city, you can try to apply for a loan through the China Merchants Bank branch. Since the conditions and application materials required for each loan project are different, the current loan uses are as follows: Legal personal or family consumption such as car purchase, parking space purchase, decoration, education and scholarships, bulk shopping, travel, etc.; as well as business turnover purposes. You can call 95555 from 8:30-18:00 to enter manual service and provide the loan purpose and city to learn more about the required information. Whether the loan application is approved shall be subject to the comprehensive review results of the personal loan department of the handling bank.

How do loan officers find first-hand customers

1. Loan officers can maintain old customers and find customers by introducing new customers: make new friends and never forget old friends. We all know that the same applies to customers. If you really solve practical problems for customers and occasionally make regular follow-up calls (holiday blessing text messages, etc.), many old customers will naturally recommend new customers to you. Introducing old customers reduces the intermediate communication links and can greatly improve credibility and conversion rate.

2. Loan officers can use the method of unfinished customers to find customers: If the customers obtained through various methods are not closed, many loan officers will abandon them as if they were worn out shoes. In fact, this is not the case.

If the customer's qualifications are not up to standard, we must patiently find solutions and resolve doubts for the customer, because this customer represents the needs of a group of people, and letting customers find customers for themselves is the most worthy of research and consideration.

3. Loan officers can use social tools to find customers: your Weibo, WeChat, circle of friends, and space must show your industry, products, and professional knowledge to everyone, and deepen your circle of friends. Usually, people may ignore the impression, but once they need a loan, the first thing that comes to mind will definitely be you, but the premise is not to just post small advertisements, but to truly share some loan knowledge, loan skills, etc. In this way, friends recommend, the credibility is high, and the customer risk is directly reduced. Of course, timing is also required because not everyone needs a loan every day.

4. Loan officers can find customers by distributing small advertisements, publicity, and business cards: Although this method is not as high-end and classy as advertisements in radio, newspapers and other media, and in-car advertisements can be seen everywhere, but As a loan industry, it is one of the most basic ways to develop business. This method of advertising has low investment costs and can be directly displayed to mid- to high-end customers who own cars. Of course, this method has low credibility. It is difficult to gain the trust of customers with just a small advertisement, and it may even cause disgust among customers, and it cannot highlight your professional knowledge and formality.

5. Loan officers can use community advertising to find customers: Similarly, loan officers are the most basic way to expand business. Any loan demander is from a household in a certain community, so as long as your coverage is wide enough , this method is undoubtedly a very direct and effective way. It is directly oriented to the residents of the community and has a long timeliness (as long as it is not cleared by the property management). However, it takes a lot of time and money to paste advertisements. Posting them one by one on each floor is a waste of manpower and material resources, and it is impossible to gain the trust of customers.

6. Keep up with the times and use the most convenient and fast Internet customer acquisition tools, such as Panda Grab, which can save 80% of your time and energy and provide high-quality and interested customers. , the order rate is very high.

That’s it for the introduction of primary resources for loan customers.