The credit audit post mainly reviews the following contents: First, the authenticity audit. Including the basic situation of the lender, financial status, loan purposes, etc. The second is the legality review. Credit information of the lender, whether there is any illegal crime, the investment of loan purposes, etc. The third is credit review. How much debt can the lender bear, and whether the loan exceeds the debt tolerance. The fourth is the review of the source of repayment. Whether the first repayment source of the lender is sufficient, the second and third repayment sources, etc. The fifth is the review of the guarantee method. Mainly credit, mortgage, pledge, guarantee and other ways of review. This position is the main position of the bank and also a very important position. The post level is relatively high and the development prospect is very good!
Second, is the bank credit review post good?
Credit review post is mainly to review the legality and integrity of loan information:
1. Responsible for reviewing the legality, compliance and authenticity of loan projects, mainly reviewing the completeness of information provided by borrowers, the legality and compliance of loan procedures, the accuracy and rationality of opinions of investigation and evaluation posts, etc.
2. According to the submitted materials, analyze the advantages and risks of borrowers and loan projects, and put forward risk control measures;
3. Be responsible for making suggestions on loan items, loan currency, amount, term, interest rate, loan method, repayment method and loan subject.
Tips: The above information is for reference only, subject to actual job responsibilities. If you have any questions, you can contact your employment bank HR for consultation.
Reply time: 202 1-0 1-06. Please refer to the latest business changes announced by Ping An Bank in official website.
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3. What about the credit review post of Industrial Bank?
The treatment is generally good, but the pressure is also great. Because their income is directly linked to their performance, their basic salary is not high, and they all get commissions according to the number of cards you handle. If you have a wide network of contacts or outstanding business ability, it is no problem to do this. If you are not sociable and have a wide network of people, it is not recommended to do this job.
4. What did the Credit Department of CITIC Bank do well?
Well done. The Credit Department of CITIC Bank is engaged in credit management, including pre-loan investigation, in-loan review and post-loan inspection. The credit management department has the functions of loan approval and management, and is responsible for reviewing whether the loan conditions are met, whether it can be issued, whether there are risk factors after issuance, and so on. Therefore, to fulfill the responsibility of examination and approval, the work is very important and needs professionalism.