Personal advice:
Any work needs to be carried out in a down-to-earth manner. If you are a new employee, you must learn to adapt to the pace of work and exercise hard in life, so that you can have better energy to face the pressure in life. You can also improve yourself by learning from your predecessors, because everyone needs to pay to get a return in life, especially microfinance workers, whose work is not very hard. However, it is a labor-intensive way and needs to go to the countryside to carry out business. I hope you know the relevant knowledge before you join the job, and you should also know the relevant business for the loan officer of the bank. Only by ensuring one's own knowledge reserve can one carry out business better.
Extended data:
Responsibilities of loan officers of microfinance companies:
1. Comply with national laws and regulations, strictly operate loans and prevent loan risks.
2. Seriously carry out pre-loan investigation, go deep into loan customers, accurately understand their production and operation, ensure the authenticity of pre-loan investigation, and provide accurate basis for loan approval.
3. Sort out the loan information and sign the loan contract seriously.
4, the loan officer back office according to the loan contract information timely and accurately establish the loan ledger.
5. Timely collect the principal and interest of the loan, and timely send a notice of overdue loan collection to ensure the continuity of the limitation of action.
6. Cross-check after the loan, report the problems to relevant leaders in time and take effective measures to prevent loan risks.
7, the loan officer back office to sort out the loan principal and interest settlement data.
8. The loan officer backstage should prepare various credit statements in a timely, accurate and complete manner.
9, complete other matters assigned by the leadership.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.