What do post-loan management and credit card approval mean?

1. Post-loan management:

Post-loan management refers to the whole process of credit management from loan issuance or other credit business to principal and interest recovery or credit termination. For a long time, post-lending management has been a weak link in China's bank credit management. Due to the inertia thinking and practices in credit management, there are still many problems in the current post-lending management.

Post-credit management and problem credit handling are emphasized and standardized as important links of bank credit business, which fully demonstrates the importance of strengthening post-loan management.

2. Credit card approval:

After receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.

usually, the bank will examine the applicant's information and economic situation in various aspects according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

the standards of different card-issuing banks are also different. therefore, different banks may issue different credit lines and different types of credit cards for the same materials, and even some banks will pass the examination and some banks will refuse to issue them.

Extended information:

Significance of post-loan management:

1. It is the final link of credit management: post-loan management is the final link of credit management, which plays a vital role in ensuring the safety of bank loans and preventing and controlling cases. Post-loan management is an important link to control risks and prevent the occurrence of non-performing loans. The financial situation of customers is constantly changing.

it may be that the customer's financial position is in good condition at the time of credit approval, but due to the influence of industry policies and customer's investment mistakes, the upstream and downstream influences (negative effects are manifested in the price increase of raw materials and the price reduction of products or the reduction of demand, etc.) will cause great adverse changes in the customer's financial position.

Post-loan management is to track the changes of customers' industries, customers' upstream and downstream, and customers' own operating financial conditions, including their commercial credit, find out problems that may be unfavorable to the timely repayment of loans, and put forward measures to solve the problems.

2. It is the requirement for banks to change their management concepts: for a long time, commercial banks have paid more attention to quantity than quality; Pay more attention to results than process; Pay attention to short-term and light long-term. Therefore, in order to achieve scientific development, commercial banks must change their business philosophy and mechanism, abandon the development mode of "emphasizing loans but neglecting management" and strengthen post-lending management, which can improve the efficiency of capital use, stabilize asset quality and enhance the core competitiveness of commercial banks.

3. It is the guarantee for commercial banks to achieve sustainable development: China's asset securitization is still in its infancy, and it is still difficult to become the main means to transfer asset risks. Only by strengthening post-lending management can the risk of credit exposure be effectively controlled, asset quality problems be reduced, and credit assets can be recovered smoothly, thus improving the capital use efficiency and comprehensive income of commercial banks and providing effective protection for sustainable development.

4. It is a means for commercial banks to change their customer service model: post-loan management can not only control asset quality, but also create value. On the one hand, post-loan management is conducive to actively controlling risks within the acceptable range of commercial banks. On the other hand, post-loan management is an important tool and way to promote financial innovation and enhance the ability to serve customers.

Baidu Encyclopedia-Post-loan Management

Baidu Encyclopedia-Credit Card

Baidu Encyclopedia-Credit Card Approver

How about the credit card outsourcing auditor of China Merchants Bank

Good.

1. In terms of workload. In addition to the basic work that China Merchants Bank's credit card outsourcing auditors need to do every day, there are no extra tasks, and the workload is small and fixed, so it is very good.

2. Bonus. Employees of China Merchants Bank's credit card outsourcing auditors not only enjoy full payment of five insurances and one gold, but also have paid annual leave.

what does a credit clerk in the credit card department of a bank mainly do?

what does a credit clerk in the credit card department of a bank mainly do?

the credit clerk in the credit card department of the bank mainly does credit investigation.

Information auditor is a new profession, which is produced with the development of the Internet. With the increasing amount of information on the Internet, in order to ensure the legality and standardization of information and express the will of companies and enterprises through the standardization and screening of information, the information auditing industry has emerged, and the position of information auditor has also emerged.

For Internet companies with a huge amount of information, information audit occupies a very important position. Information audit is the guarantee of the quality of the whole website and the lifeline of the website. For example, Baidu, Sina, Sohu, Taobao, Alibaba, Jiji.com and other websites that generate huge amounts of information every day, as well as various large-scale forums and blogs, need professional information auditors to handle them professionally.

qualification

information auditor is a new profession, and there is no relevant qualification certification at present. Except for websites with special languages or high technology, most of the positions require less personnel, mainly young people with technical secondary schools and university degrees, which is a good choice for young people who have just entered the Internet industry.

What does the marketing business representative of the bank's credit card department do?

It is mainly for qualified people to apply for credit cards. The specific job is to go to the customer unit with a credit card application form every day and directly find customers to apply for bank cards. Then the bank calculates the performance of the business representative according to the daily performance of the business representative, the number of orders made, and the credit card approval rate (that is, how many cards have been successfully applied for by the customer), and gives him salary and sales commission. A well-done commercial representative in the banking market has a high monthly salary, and it doesn't matter in any line of work. As long as you learn the marketing skills, you will have a high and continuous income, because you will accumulate a lot of customers by doing this. I think the bank with this title at present should be Shanghai Pudong Development Bank, which is also a credit card promotion work. Guangfa Bank calls this account manager, so do Shenfa and Minsheng Bank. Industrial Bank is called the direct seller, and Shanghai Pudong Development Bank is called the market business representative. At present, these banks are recruiting people. I hope qsxpz friends can find a good job. Remember: selling things is always the most profitable business!

what does the credit card specialist of ping an bank mainly do?

1. Promote the sales of the Bank's credit cards and related consumer financial products, and achieve the established credit card sales target.

2. contact customers in a timely manner and assist in the implementation of customer relationship maintenance of local credit cards.

3. Proactively guard against credit card risks.

The main source of income for this job is the commission earned from the promotion of credit cards. The Commissioner's income depends on the number of cards handled. If a card passes, there will be a commission, ranging from 2-5 for general cards to 3-1 for gold cards, and there will also be kickbacks if it is not completed. The treatment is not a formal job, but a labor contract with a third party, with up to three risks.

please come in from the credit card department of China citic bank!

As long as you have proof of income, it is easy for CITIC to get a card, but the credit limit should not be very high. If you apply for a credit card for the first time, the general credit limit is around 4,.

Of course, if your company has a good nature and a good reputation, you can also fill in your income, and the chances of getting a gold or platinum card are not without.

How is the bank credit card department audited

If the applicant meets the requirements of the bank credit card center for handling credit cards, it generally takes no long time to complete the approval within 15 working days. The relevant information is as follows:

1. It takes 8 working days for the credit card to enter the audit;

2. As long as the application materials are complete, it usually takes 2 working days to complete the audit from the audit department to the second trial;

3. After the audit is passed, the card will be made for the customer within 2 working days;

4. Send it to the customer by registered mail according to the billing address. Generally, the sending time of registered mail is within 15 days.

Other related:

1. Applicants can log in to official website where they apply for credit cards to check the progress of their credit card applications;

2. If the applicant has not received the credit card for a long time, he can call the credit card customer service hotline and transfer it to the manual service for detailed verification.

how about working as an entry clerk in the credit card department of a bank?

is it official? How about basic salary+hardware+welfare? If it's good, it's OK. If you are asking about the content of the work, the work is tedious and you do the same thing every day. It is simply a++paste, and a patient person can do it.

hurry! Citibank Credit Card Department

All Citibank credit cards are audited in Shanghai. What is your position and sales? Sales is the basic salary plus performance, so performance is very important, and most of the sales money is more than audit. . . There are always seven or eight thousand, and there are tens of thousands of good ones. But it's bitter. I'm outside all day.

Is there a bank credit card department?

If you need to know about the credit card related business of China Merchants Bank, you can call the customer service hotline at 4825555 to transfer to the manual service for details.

how about the job of assistant auditor of China merchants bank credit card center?

not bad.

China Merchants Bank Credit Card Service Center is known as the best call center in China: China Merchants Bank Credit Card has built a 365-day, 24-hour customer service center covering the whole country. As early as April 24, it was awarded the title of "Best Call Center in China in 24" by the CRM Professional Committee of China Informatization Promotion Alliance, and won the title of Best Call Center in China in 25, 26 and 28. The first "five-star customer service center" in China, the Customer Relationship Management Committee of China Informatization Promotion Alliance, after eight months of preparation and strict certification audit, finally confirmed that China Merchants Bank's credit card customer service center fully met and partially exceeded the standards and requirements of the National Call Center Operation Performance Standard (CCCS-OP-23). On January 31, 25, China Merchants Bank's credit card center was officially approved to pass the five-star certification of this standard and awarded the "five-star customer service center"

what does a credit card processing specialist do, specifically to work at ordinary times! The more specific the better!

1. The credit card specialist is sent by the credit card department of the bank to the life insurance company to assist the life insurance salesman in handling the credit card business.

Take Ping An Insurance as an example. Ping An's life insurance salesmen can do cross-selling, banking, property insurance, credit, securities and investment. Therefore, banks, property insurance companies, securities companies and other companies will assign a specialist to each department to assist the salesmen to handle their own business, and provide relevant training and guidance to life insurance salesmen.

the bank is the banking Commissioner, the property insurance is the property insurance Commissioner, and the securities is the securities Commissioner.

in short, I am familiar with life insurance and an expert, but I can't be an expert in property insurance, banking and securities, so I need the guidance and assistance of these commissioners.

II. Job Description

Job responsibilities:

1. People aged 23-45, with one year or more working experience; (Nanjing locals can relax conditionally)

2. Education: junior college or above;

3. Enthusiastic, motivated, responsible, passionate about my job and able to accept the training of the company;

4. Have good organizational and communication skills, and be able to bear hardships and stand hard work;

5. Being able to accept the good psychological quality of challenging work and teamwork ability;

6. Working experience in finance, management, insurance, sales, service, medicine or law is preferred.

Requirements:

Requirements:

1. Serve VIP customers and high-value individual customers of the company and provide all-round financial management services for high-value individual customers;

2. Banking business: related products and services provided by Ping An Bank, including savings business, wealth management business, credit card business and credit business;

3. Securities business: stocks, bonds and funds;

4. Trust business: property trust financing and financial product trust financing;

5. Life insurance: health, accident, pension, education fund, group insurance, etc.

6. Property insurance: auto insurance, family property insurance, cargo transportation insurance, public liability insurance, etc.

7. Contact customers regularly, report the income of wealth management products, and maintain a good trust relationship.

is it hard to check the credit card in the bank? What is the main content of bank credit card examination and approval?

Hello friend

It's not hard to work in bank credit card examination and approval. It's just to inquire about the application materials and make a phone call to verify the authenticity of the materials. These are the contents of bank credit card examination and approval, and it's also good to get a job.

I hope I can help you.

This is the end of the introduction about credit card approvers and credit card approvers are all bank employees. Did you find the information you need?