question 1: what does it mean for banks to recruit general positions? The general post means that many positions in the bank can be taken, and it is not limited at first.

General positions include account manager, information technology, international business, legal affairs, comprehensive business and so on. After entering the business, it is generally arranged to go to grass-roots business outlets or intensive centers for training and training for a period of not less than one year, and then according to the work needs of the unit, personal work performance and business expertise, they will be hired to work in the above-mentioned corresponding positions.

question 2: which is better, the general post of bank recruitment or the post of sub-branch, and what is the difference? Thank you. 1. Detailed introduction and analysis of the examination outline of bank recruitment.

second, the bank recruitment examination focuses on current affairs and political information.

Third, take a full set of online HD teaching video courses and handouts.

Fourth, a full set of the latest version of the China Bank Examination papers over the years.

5. A complete set of video courses and interviews for bank exams.

VI. Review handouts and simulated test questions for TOEIC English in the bank exam (9 sets).

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question 3: what is the general post of the Postal Savings Bank? Generally speaking, I work as a teller or a credit account manager first.

question 4: I want to know what the comprehensive teller and credit post of the bank do respectively. Which one has a future? The comprehensive teller of the bank handles counter business, such as account opening, deposit and withdrawal, transfer and settlement;

The credit post is for the credit business of customers. If conditions permit, it is recommended to do it.

Question 5: What's the difference between a general post and a teller post in a bank? The teller post is one of the general post categories.

first, the social general-purpose post is a post that has no professional technical requirements, is relatively popular, is not difficult, and can be replaced in a short time. Generally, it involves bank tellers, bank lobby managers, bank customer service posts, bank human resources, etc. Teller posts are one of the general job categories

Second, the counter staff of bank business halls mainly include the following categories:

1. Cash tellers: Their daily work is mainly engaged in the recheck of various cash businesses, the counting of small bills, the counting of large amounts of cash, etc. Usually, it is held by people who have just joined the bank, which is the basis for continuing to work at other counters.

2. Ordinary teller: engaged in all kinds of counter business, including handling all kinds of public and private business. Check and settle accounts of the day. It is the most kind of counter staff in the bank.

3. General teller (accounting supervisor): mainly responsible for checking, supervising and reviewing all kinds of accounts of ordinary tellers on that day. Interpretation of the handling process of special counter business, inspection and supervision of the implementation of bank rules and regulations, etc. Sometimes they also handle specific business.

4. Low-counter teller (or open counter staff): it is set up in some large business outlets with comprehensive business. Mainly dealing with counter staff of non-cash businesses including personal consumption loans, personal housing loans, personal finance (fund business, bank insurance agency business). This kind of teller has higher requirements and must have certain basic knowledge and skills of personal loans and personal financial management knowledge.

5. Lobby manager: usually responsible for publicizing banking business, classifying and guiding customers at outlets, answering all kinds of business inquiries of customers, and mediating and mediating disputes and contradictions between bank staff and customers. Usually, it is held by bank employees with long working experience, and sometimes it is held by the person in charge of bank outlets.

question 6: what is the general position of ICBC's school recruitment? It specifically includes sales, professional and operation positions.

Introduction to ICBC: China Industrial and Commercial Bank of China (full name: China Industrial and Commercial Bank of China) is abbreviated as ICBC. Founded in 1984, it is the first of China's five largest banks, one of the world's top 5 enterprises, with the largest customer base in China and the largest commercial bank in China. China Industrial and Commercial Bank is the largest wholly state-owned commercial bank in China. Its basic task is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.

question 7: what is the general post of ICBC? How is the development of this position? Will you get a loan or something? Ask the great god for guidance! ! ! Certainly

Question 8: Are the contents of the credit and general posts of China Agricultural Development Bank the same as those of the legal post examination? First, the outline of the recruitment examination of Agricultural Development Bank is introduced and analyzed in detail.

second, the agricultural development bank recruitment examination papers over the years for reference.

3. Recruitment Examination of Agricultural Development Bank (related knowledge of Chongqing Agricultural Development Bank).

IV. Recruitment Examination of Agricultural Development Bank (focusing on current affairs and politics).

5. Lectures and exercises on the administrative professional ability test of the recruitment examination of Agricultural Development Bank.

VI. Notes and exercises on official document writing in the recruitment examination of Agricultural Development Bank.

VII. Recruitment Examination of Agricultural Development Bank-Video Course and Interview Collection.

VIII. Full set of online HD teaching video courses and handouts for the Agricultural Development Bank exam.

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Question 9: What are the main responsibilities of the customer service department and credit department of China Agricultural Development Bank? The main responsibilities of the customer service department 1. Responsible for customer development, bank intermediary business marketing, organization of deposits and marketing of loans. Implement and assess the completion of the bank's deposit and loan tasks.

2. For loans approved within the scope of authorization and loans approved for issuance according to procedures, handle relevant formalities with customers in time and manage credit files.

3. Be responsible for accepting customers' loan applications and organizing loan project evaluation, pre-loan investigation, review and post-loan management.

The credit work of various banks is similar, and the two main tasks of loan officers are: 1. Do a good job of deposit; 2. Do a good job of individual enterprise loan, and follow up the customer's return visit after loan. What you mean is a little similar to the return visit after car sales. In fact, after the bank releases the loan, there will be a post-loan job every month, and you can investigate the customer's corporate finance and enterprise operation status through personal visits and telephone contact. We can ask customers to provide recent financial statements and financial statements at the end of last year for financial data analysis, such as asset-liability ratio, quick ratio, etc., and we can also understand the recent trends of legal persons, and we can also judge their authenticity through enterprise water and electricity tables. The registration of the return visit record form can be done as long as the bank risk can be minimized.

Question 1: The bank loan officer's job responsibilities insist on listening, checking, checking and analyzing

Do a good job of pre-loan investigation

Pre-loan investigation is the first pass to expand customers and issue loans, and it is an important prerequisite to prevent risks and reduce bad debts. The authenticity and reliability of its investigation are of great significance to the safety of loans. This is an important basis for deciding whether to lend or not, whether to lend more or not, and the term and method of loan. Specific to small and medium-sized financial institutions such as rural credit cooperatives, rural cooperative banks and rural commercial banks, a considerable part of the customer groups such as small and medium-sized enterprises and individual industrial and commercial households they serve lack audit reports provided by independent third parties, and "information asymmetry" is widespread, so the pre-lending investigation of account managers is particularly important.

if the customer's basic situation, operating conditions and existing risks are not objectively understood during the pre-loan investigation, or even cursory, and it does not really play an investigation role, such an investigation itself has risks that cannot be underestimated. An irresponsible pre-loan investigation may lead to a non-performing loan, which will lead to a series of work such as interest arrears, overdue, collection and even prosecution. It often takes months or even years for banks to complete digestion, which not only consumes the time and energy of bank staff, but also erodes the profits of banks.

based on the general situation of the customer groups of rural credit cooperatives (rural cooperative banks and rural commercial banks) and the author's work practice, the author believes that four steps should be adhered to in the pre-lending investigation of customers (especially small and medium-sized enterprises and individual industrial and commercial households):

What is listening? Is to listen to the introduction and narration of the loan applicant.

in the process of investigation, most customers often take the initiative to introduce their basic situation (or the account manager asks customers to introduce themselves).

at this time, what the account manager needs to do is to listen patiently and carefully, and give a little guidance, so that the customer can actively introduce its establishment time (or working time), equity structure, development experience, business model, production and operation situation, sales profit, existing problems, development planning and borrowing purposes in the past two years. In this process, the account manager can make further inquiries and exchanges about the content that he can't hear clearly or is interested in.

through this step, the account manager can have a preliminary understanding and judgment of the overall situation of the customer, and also establish perceptual materials for further investigation and understanding.

what is check? Is to verify the relevant information of the loan applicant.

on the basis of "listening", the account manager needs to further verify the relevant information of the loan applicant. The work in this step includes: checking the originals of the customer's business license, tax registration certificate, organization code certificate, loan card, etc., and paying attention to whether there are annual inspection records; Check the customer's financial statements (if it is an audit report, you should pay attention to the contents of the notes) and check with the contents introduced by the customer just now; Check the customer's qualification certification materials (such as the qualification certificate of construction enterprises or real estate, the agent qualification certificate of commercial circulation enterprises, the safety production license of production and processing enterprises, etc.). At the same time, we should also check the customer's purchase contract, sales contract and construction contract related to production and operation.

through this step, you can know and judge the qualification of the borrower and the legality and compliance of the loan purpose.

what is a core? Verify the authenticity of the contents listed in the report materials and application materials on the spot; On-the-spot verification of the authenticity and legality of the collateral and pledge, as well as the true intention of the guarantor.

on the basis of doing the first two steps well, enter the most critical third stage, whose task is mainly to verify the information collected in the first two stages.

first, verify the financial information: compare the information introduced by customers and the data reflected in financial statements, and try to use original vouchers or third-party vouchers for verification. For example, through reading the bank statement, we can understand the cash flow of the enterprise and check it with the cash account on the financial statement; Learn about the recent sales and tax payment of the enterprise by sampling the tax invoices of the enterprise for one or two months; Understand the cargo throughput and import and export situation of the enterprise by sampling the goods import and export documents of the enterprise for one or two months; Understand the production cost of the enterprise through the electricity invoice of the production enterprise or the oil invoice of the transportation enterprise; Verify the authenticity and implementation of the contract by checking the bank payment and collection vouchers.

second, the verification of production and operation: according to the situation reflected in customer reports and materials, the production and operation of customers are verified on the spot. For example, on-the-spot inspection of the customer's production workshop, warehouse and production technology (if conditions permit, you can consult the front-line production technicians); Conduct on-the-spot investigation and understanding of customer's product quality, market share and word of mouth; Projects or construction contracted by customers ...... > >