What do loan information reviewers in accounting firms do?

Their job is mainly to review loan applications through various methods to determine whether the borrower meets the loan conditions. .

1. For information review, customers need to provide corresponding information according to the product outline. Reviewers must strictly check. If the information is missing, it will be supplemented immediately. Priority is given to supplementing decision-making information: application form, ID card, credit report, income. Proof; Approval personnel need to focus on the authenticity of the information and directly refuse to process if false information is found.

2. Conduct online review:

(1) Online information review: For each application, you need to enter the applicant’s name and ID number to check the individual involved in the lawsuit. Condition.

(2) Industrial and commercial network information verification standards: Approval personnel need to independently query the enterprise's industrial and commercial network information, and note the corresponding key information in the audit results report. Employees of government agencies and public institutions do not need to check the Industrial and Commercial Network.

3. Conduct phone review. The call must be made from my own mobile phone, and priority is given to mobile phones with inconsistent rows; if the single call is answered by myself, I need to verify my identity and check the mobile phone number in the application form, and then ask myself to answer the mobile phone (you can answer the call immediately), and then call a colleague to verify the work information.

4. Conduct some investigations into the identity legitimacy, information authenticity and credit status of the borrower and related parties, as well as the borrower’s historical status, focusing on analyzing the borrower’s working experience, certificates and abilities; Prospects and risks, etc. Investigate the borrower's repayment sources and evaluate the adequacy of the customer's repayment fund sources through bank account statements, tax bills, rent amounts, utility bills, etc.

The job of the loan review specialist is very important. They are rigorous and do not tolerate any sloppiness. They have to conduct a comprehensive review of the borrower's qualifications. First, they will review the information to ensure the authenticity and completeness of the information. Then they will conduct an online review, which mainly checks according to the standards. There will also be a telephone review to confirm the identity. information, and finally conduct an investigation of the borrower's identity and credit.

What should the credit department's review post do every day?

Review and Approval Responsibilities

(1) Responsible for reviewing the legality, compliance and authenticity of loan projects, mainly reviewing the completeness of the information provided by the borrower, the legality and compliance of the loan procedures, and investigation and evaluation The accuracy and rationality of the opinions, etc.;

(2) Analyze the advantages and existing risks of the borrower and the loan project based on the reported materials, and propose risk control measures;

( 3) Responsible for making suggestions on loan projects, loan currency, amount, term, interest rate, loan method, repayment method, loan subject, etc.

In short, it is to review the legality of the loan information. and integrity.

In the modern economic model, loan officers play an increasingly important role as a bridge between enterprises and other commercial institutions and banks.

Loan officers pass. Find potential customers and assist them in applying for loans.

At the same time, loan officers collect specific information about individuals and businesses and analyze the borrower's creditworthiness and repayment ability to ensure reliable decisions.

Loan officers also provide guidance to clients who have difficulty with traditional loan credit requirements, including: locating the best type of loan for a particular client and explaining its specific requirements and constraints

Senior Modern Loan Officer. There is a shortage of talents, especially for loan officers with good qualities. The employment prospects are quite good and the salary is quite good.

Loan officers can develop into bank account managers through the accumulation of certain experience.

Bank loan officers can be said to be "lie detectors" sent by banks to test whether the information provided by lenders is true or false. They are mainly responsible for investigating the strength and potential of loan companies and loan individuals, and providing them with loan policy consultation. They need to have Excellent judgment and keen observation, good listening, affinity and communication skills.

Announce the types, terms, interest rates, and conditions of operating loans, and provide consulting services;

Guide in filling out loan applications, and help with loan applications and other businesses;

Assist relevant personnel and departments to assess the borrower's credit rating;

Investigate the borrower's legality and other factors, verify the collateral, pledges, and guarantors, and determine the loan risk;

Reply to the loan application, sign the loan, guarantee contract or go through notarization procedures;

Issue the loan, follow up the investigation and check the borrower's execution of the contract and operation situation;

Send principal repayment Send interest notices to urge borrowers to repay their loans; send collection notices to collect the principal and interest of overdue loans;

Collect relevant information and assist relevant departments to assist borrowers who have not repaid principal and interest;

Establish and improve the loan quality preservation system, classify, register, assess and collect non-performing loans, and write off bad debt loans in a timely manner;

Assist in the acceptance, discount and rediscount of commercial bills.

Baidu Encyclopedia_Bank Loan Officer

What does the qualification review for a home loan include?

House purchase loan qualification review content: 1. Work situation: Usually when applying for a loan, in order to ensure that the borrower can repay the loan on time, the lending institution will examine the borrower's work occupation to judge his income level. Compared with other professions, general civil servants, teachers, Fortune 500 employees, etc. have generally stable and higher incomes, making it easier to obtain loans.

2. Income level: The borrower’s income level can directly prove his or her repayment ability. In other words, the higher the income, the stronger the repayment ability, and the higher the chance of obtaining a loan. .

3. Bank statement: Generally, when applying for a loan, in addition to the borrower needing to meet the relevant loan conditions, the borrower is also required to provide relevant bank statement certificates, usually for more than half a year. This is also the first step in applying for a bank loan. One of the keys to assessment.

4. Personal credit record: Usually the borrower's credit record is also the focus of the loan institution's investigation. If the borrower has good credit, then in the eyes of the bank, he has a certain degree of integrity and will naturally Make sure you repay on time.

5. Liability situation: Although the borrower has already shouldered the loan, he can apply for a loan again, but if the borrower's debt ratio is too high, there will be huge risks in repayment, and it is difficult to apply for a loan. It won’t be too easy. According to bank regulations, the total debt ratio of a general borrower must not exceed 50% of the borrower’s total income.

I hope my answer will be helpful to you!

What is generally reviewed for loan review? These are the most important!

Now, whether you go to a bank for a loan or get a loan through a mobile phone app, you need to be reviewed. The review time ranges from a few minutes to a few days. In addition to the borrower's personal identity information, the credit report is important. Audit objects, so what exactly will be audited? Let’s find out together.

Loan records for one or two years

The credit report will contain the borrower’s detailed personal information and loan records, and banking financial institutions will focus on reviewing six aspects. The first is the lending institution, the second is the total amount of the loan, the third is the type of loan, the fourth is how many loans are currently outstanding, the fifth is the amount of the loan that needs to be repaid each month, and the sixth is the overdue status of the loan.

From the above, we can see the debt ratio of the borrower and whether the repayment pressure is high. From this, it can be judged whether the borrower has sufficient repayment ability to avoid subsequent loans due to too much pressure. Unable to repay.

2. Credit card records

Information such as application, installment, overdue, and rejection can all be reflected in the credit report. The bank mainly looks at the current number of credit cards held, the number of credit cards Total overdraft, credit card overdue status, etc.

It is recommended that you don’t apply for too many credit cards. About 2-5 is more appropriate. Too many will inevitably lead to the suspicion of cashing out or using cards for cards. Then it will be more difficult to get approved if you apply for other businesses.

3. Personal information

Banking financial institutions will collect personal information such as name, education, date of birth, age, home address, contact information, marital status, workplace and telephone number, education , Compare the spouse’s information with the loan application form to see if there are any false or forged aspects.

In short, in addition to comparing your personal information, the loan review will also analyze your assets and liabilities to see if you meet the loan and card application conditions. If not, you will be directly rejected.

What are the specific tasks of the company’s credit auditors every day?

There are three working methods: telephone review, face-to-face review, and external visit.

The specific daily work of the company's credit reviewers is mainly divided into three types:

1. Telephone review, no room for development, almost dead wages, and extremely stressful.

The company requires you to control the customer's risks and at the same time requires your performance. Sometimes you know that the customer is not qualified enough but you still can't refuse it, because if you reject all customers, the business will be lost. The department will start to cause trouble for your department, and you should know that in any company's business department, it is the focus of all the company's resources.

2. Interview, no room for development, almost dead salary. The job is to ask the customer again according to the content on the application form after the customer fills out the application form. I don’t understand this. It’s like reading a text. Why can jobs always exist?

3. Foreign visits, there is room for development, and the salary is negligible because every time I visit, I will receive a big red envelope. An external visit is to go to the client's unit or company to assess the client's qualifications on the spot. However, usually you have a meal after arriving at the place, get the red envelope and then leave, so there is still a lot of profit and water.

What does a Ping An Credit Auditor do

Ping An Credit Auditor is a position recruited by Ping An Insurance Co., Ltd. It has both the requirements of a general credit auditor and other own characteristics.

Job responsibilities:

1. Conduct credit investigation on customers who apply for loans.

2. Verify the authenticity of the documents submitted by the loan applicant.

3. Verify the identity of the applicant and prevent financial fraud.

4. Collect other necessary documents and information to provide the necessary basis for credit decisions.

5. Write an opinion analysis for the review results.

6. Other tasks assigned by superior supervisor.

Extended information:

Loan types

①According to different loan entities, loans can be divided into three types: self-operated loans, entrusted loans and specific loans. Among them, entrusted loans refer to the client providing funds, and the bank acts as the trustee according to the client's designation.

The loan procedures are based on the purpose, amount, term, interest rate and other conditions, and only the handling fee is charged, and the loan risk is not assumed. Specific loans refer to loans issued by wholly state-owned banks after approval by the State Council and taking corresponding remedial measures for possible losses caused by the loans.

②According to the borrower's credit, loans can also be divided into credit loans, guaranteed loans (guaranteed loans, mortgage loans,), bill discounts, etc.

③According to the different uses of loans, they can be divided into working capital loans, fixed asset loans, industrial loans, agricultural loans, consumer loans and commercial loans. No matter what kind of loan, unless the borrower has been reviewed, evaluated and confirmed by the lender to have good credit and can indeed repay the loan, no guarantee is required. All other borrowers should provide guarantees.