What does the position of personal loan of a bank do? How did you do it? What about the treatment?

The position of personal loan business manager of the bank is that you need to be responsible for finding mortgage customers, analyzing risks and issuing loans, and conducting post-loan management. Half of them are divided into two categories: 1. You need bank loans to buy a house; 2. Pledge the personal property to the bank for loan and use it for other places;

The core thing is how to find customer resources. You can't find them one by one, and you can't visit customers such as banks. You need to have a good relationship with real estate agents and get customer resources from them. Your income may also need to be shared with specific salesmen in the agents, such as full house, Zhongyuan Real Estate, etc. These are relatively large and should have been developed by others.

the most important thing is to have a good relationship with the intermediary! ! ! !

With customer resources, you also need to know the specific lending process of the bank and the approval threshold of the bank. You should know how much this kind of customer can borrow with the mortgage of the house here and what the interest rate level is ~~

Finally, the personal loan manager implements the monthly performance clearing system ~ The bank may give you a task every quarter, and you will get the corresponding bonus after you finish it, and then your performance will be cleared and you will start again. They don't care how much you have paid out, and your bonus doesn't come from how much you have paid out, but how much you are paying out ~ ~ ~

which position of CCB employees will conduct loan investigation

1. Investigation departments and personnel

The business operation department of the loan handling institution (including personal loan center) of CCB is the investigation department of personal housing loans. Personal housing loan business management department should set up a pre-loan investigation post, and the pre-loan investigation post personnel and the loan acceptance post personnel can concurrently serve each other.

2. survey methods and requirements

pre-loan survey can be conducted in various ways, such as reviewing loan application materials, interviewing loan applicants, inquiring personal credit, conducting surveys, and conducting on-the-spot investigations. Among them, it is necessary to review loan application materials, interview loan applicants and inquire personal credit.

(1) Review the loan application materials

Before the loan, the investigator understands the basic situation of the loan applicant, the house purchased (built) by the loan, the loan guarantee, etc. by reviewing the loan application materials;

(2) Interview with the loan applicant

Before lending, the investigator must directly interview the loan applicant (including the applicant) at least once, and the interview can be conducted at the same time as accepting the loan application.

the investigator should know the basic situation of the loan applicant, the house purchased (built) by the loan and other contents that the investigator thinks should be investigated through interviews.

the investigator should make corresponding records in the interview with the applicant before the loan, mainly including the contents that may have authenticity risks, the contents that are not included in the application materials but should be used as the basis for loan approval, and other contents that may have a significant impact on the loan.

what are the job responsibilities of the bank credit specialist

the bank credit specialist should be responsible for investigating the strength and potential of the loan companies and individuals and providing them with policy advice on loans. So, what else does a bank loan officer do? Let's take a look with me!

what are the job responsibilities of the bank credit specialist 1

1. what are the job responsibilities of the bank credit specialist

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

to guide the filling of loan applications and help with loan applications and other businesses;

assist relevant personnel and departments to evaluate the credit rating of borrowers;

investigate the borrower's legality and other factors, verify the situation of collateral, pledge and guarantor, and determine the loan risk;

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

granting loans, tracking, investigating and checking the borrower's contract execution and operation;

send a notice of repayment of principal and interest to urge the borrower to repay the loan; Send a collection notice to collect overdue loan principal and interest;

collect relevant information and assist borrowers who have not paid the principal and interest by relevant departments;

establish and improve the loan quality preservation system, classify, register, assess and collect bad loans, and write off bad loans in time;

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

Second, the professional requirements of bank credit specialist

Education and training: college degree or above in finance, economics or related major; Need to study finance, economics, marketing, management, banking and other courses.

working experience: more than 2 years working experience in bank credit and other related businesses; Need to have good listening, communication skills and affinity.

Third, the salary of the bank credit specialist

The income is calculated according to the performance, and the general monthly basic salary is about 2, yuan. The assessment system of different banks is different, and the income of loan officers is very different. Generally, the monthly deposit is 1 million yuan, and the annual income is about 7, yuan. If the monthly deposit exceeds 3, yuan, the annual income is basically guaranteed to be above 1, yuan.

The annual salary of ordinary bank loan officers: It's not so high for beginners, generally around 6,, which is a good figure for newcomers. Banks can be roughly divided into three categories: state-owned banks, joint-stock banks and foreign-funded banks. The income ranking of these three categories is: joint-stock banks, state-owned banks and foreign-funded banks.

if it is done well, the annual salary of loan officers in state-owned banks can be 12,-15,. The rule of this line is to speak with ability, and the income fluctuates with personal performance. The more active the deposit and loan business, the higher the income.

what are the job responsibilities of the bank credit specialist? 2

Job responsibilities:

1. Conduct approval, review and quality inspection within the authority in accordance with the company's credit approval policy and relevant regulations.

2. Review whether the information of the loan applicant is complete and authentic, including the collateral; Take precautions against fraudulent customers.

3. Operate according to the standard process and make necessary telephone notes to the loan applicant and the three parties.

4, part of the teaching management for new employees.

5. Complete the examination and approval tasks timely and accurately to ensure the efficiency and quality of examination and approval; Adapt to the shift work system.

6. Find risk problems, report to the superior in time, track and control risks, and put forward suggestions for optimizing the approval process.

Requirements:

1. Bachelor degree or above (the qualifications can be relaxed for those with excellent qualifications), and major in economics, finance and management is preferred.

at least 2 or 6 years relevant experience in credit approval, and relevant experience in internet lending products is preferred.

3. Strong awareness of risk prevention and control, good at communication and good at written and verbal expression.

4. Take the initiative and be responsible for the work, be careful and diligent.

5. Strong communication skills, analytical skills and execution skills.

What are the job responsibilities of the bank credit specialist? 3

Job responsibilities:

1. Responsible for the lending business, seeking high-quality financial cooperation channels and maintaining long-term and stable cooperative relations;

2. risk preliminary examination, process tracking and money recovery of handling business;

3. According to the departmental objectives, complete all tasks with good quality and quantity within the specified time;

4. Actively participate in various trainings and activities of the company;

5. Other work items assigned by the leaders.

Requirements:

1. Optimistic, confident and have their own principles for financial sales;

2. Have a certain financial sales circle and personal connections in Shenzhen;

3, 22-3 years old, college degree or above, major in finance and other related fields is preferred;

4. More than 1 year working experience, and more than half a year working experience related to institutional credit, microfinance and consumer finance sales;

5. Good communication, learning, organization and negotiation skills and customer service awareness;

1. Develop loan customers, business channels and accumulate customer resources;

2. Maintain the business of old customers and tap their greatest potential;

3. Communicate with cooperative customers regularly and establish a good long-term cooperative relationship.

Requirements:

1. Male or female, over 22 years old;

2. Those who have more than one year's experience in promoting financial and credit products are preferred;

3. Love sales work, quick response, strong expression skills, strong communication skills and affinity;

4. Good customer service awareness; Responsible, able to work under great pressure; Good at challenging;

5. Have a strong entrepreneurial consciousness and are willing to grow with our company.

Responsibilities:

Explore high-end customers in the market, develop and publicize market loan information, assist customers in preparing loan materials and meet customer needs.

make a preliminary assessment of the application materials and financial resources of customers who need loans and screen risky customers.

coordinate loan approval, contact loan signing, follow-up and after-sales service.

Requirements:

1, 21-35 years old

2, bachelor degree or above

3, majors in finance and marketing and those with relevant work experience are preferred

4, hard-working, strong executive ability, sense of teamwork

5, confident, optimistic, positive and good communication skills

.

2. Ask relevant questions to customers patiently, complete information confirmation and accurately record customer information, and feed back information results in time

3. Listen to customers' demands patiently and give professional answers, and provide high-quality customer service

4. Every day, there will be 1 customers who just need it (contact customers who have submitted their loan application wishes on our official website, without having to dig out customers themselves, and check the authenticity and accuracy of customer information, according to their specific conditions, Match the best loan scheme for customers, follow up with customers, and help customers to lend successfully)

Job requirements:

1. Age 18-35, college degree or above

2. Articulate, standard Mandarin, moderate speech speed, no accent, strong language expression and listening skills, clear thinking and quick response;

3. Basic computer operation level, with typing speed exceeding 3 words/minute;

4. Good communication skills and teamwork skills, hardworking, responsible and willing to accept challenges.

what are the job responsibilities of the bank credit specialist? 5

Job responsibilities:

Responsible for the installment of credit card purchase in Guangzhou area of China Merchants Bank, the development and maintenance of cooperative 4s stores, and customer service.

Requirements:

1. Full-time bachelor degree or above, major in finance, marketing or management is preferred;

2, aged 2 to 3 years old;

3. Good communication and coordination skills, cheerful personality and strong sense of responsibility;

4. Experience in market development, business negotiation or marketing is preferred;

5. Working experience in high-end brand car 4s shop is preferred;

6. Personal driving is preferred;

7. Able to work under pressure and challenges.

The company will provide you with:

1. Welfare guarantee:

a. Five insurances (including pension, medical care, work injury, unemployment and maternity) and one gold (housing accumulation fund);

b, national statutory holidays; C. Annual employee team tour; D, regular physical examination.

2. Salary: basic salary monthly allowance monthly bonus incentive competition bonus;

3. Perfect and mature systematic training (including financial management knowledge and business skills, etc.);

4. Good development platform and promotion space.

what departments and positions does the bank have?

the banking sector is as follows. The business department of the company is mainly responsible for corporate business, audit, etc. Personal business department is mainly responsible for personal business, residents' savings and audit. The international business department is mainly responsible for international package lending, international wire transfer and foreign exchange settlement. The fund operation department is mainly for fund settlement. The credit approval department is responsible for the approval of various loans.

risk management department, the department that evaluates, manages and solves business risks in banks. The business risks of banks mainly include: credit repayment risk, accounting settlement risk, new business testing risk, financial management risk, legal risk of business documents and so on.

the accounting and settlement department, with security as the theme, strengthens the basic management of accounting and settlement, including various tasks such as deposit increase, intermediary business, insurance and fund, and the awareness of prevention, professional quality, accounting quality and service skills of all staff.

job description of the bank

1. General teller, who handles various basic businesses of the bank counter, including but not limited to deposit and withdrawal in local currency, settlement and sale of foreign exchange, bill business, etc. Be responsible for answering the business inquiries put forward by customers inside and outside the bank, and cooperate with the business development department to provide customer service.

2. Corporate account manager, who is engaged in the maintenance and expansion of bank deposits, loans and intermediary business of small and medium-sized enterprises, individual industrial and commercial households and business owners.

3. The lobby manager is responsible for ensuring the daily operation of the banking business hall, maintaining order, giving appropriate guidance and help to customers, dealing with emergencies in the banking business hall, and handling other tasks assigned by leaders.

4. Foreign exchange traders analyze the market trends of domestic and foreign financial markets, seize market opportunities, conduct trading operations in time, and provide market analysis reports on a regular basis.

what departments, posts and their respective job contents are there in a bank

What departments, posts and their respective job contents are there in a bank

The department settings of each bank are definitely different, but some departments are "standard" for banks and are basically available. Business department of the company: mainly responsible for corporate business, audit, etc.

Project Finance and Corporate Loan Department: responsible for developing loans and deposits for various foreign currency and RMB industrial enterprises.

personal business department: mainly responsible for personal business, residents' savings and auditing.

personal finance and wealth management department: responsible for developing and managing personal comprehensive foreign currency financial management and credit card business.

international business department: mainly responsible for international package lending, international wire transfer, foreign exchange settlement, development and management of international trade settlement and trade financing business.

fund operation department: mainly for fund settlement.

business department: dealing with deposits, loans, remittances, savings, bank cards, loss reporting, account cancellation, online banking, inquiries related to related businesses and banking, recovery and exchange of counterfeit and residual coins, etc.

credit approval department: responsible for the approval of various loans.

risk management department: it is the department that evaluates, manages and solves business risks in banks.

(The business risks of banks mainly include: repayment risk of credit, settlement risk of accounting, water testing risk of new business, financial management risk, legal risk of business documents and so on. All these risks, especially the first three types of business, are controlled by the Risk Management Department.

Compliance Department: an independent functional department that identifies, evaluates, informs, monitors and reports compliance risks of banks.

("compliance risk" refers to the risk that a bank may be subject to legal sanctions or regulatory penalties, major financial losses or reputation losses due to its failure to comply with laws, regulations, regulatory requirements, rules, relevant standards formulated by self-regulatory organizations and codes of conduct that have been applied to its own business activities. )

Finance Department: Financial and planning matters are the core and power department of the bank.

accounting and settlement department: accounting and clearing income and expenditure.

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