The loan business should meet the following requirements: academic qualifications, hard-working, responsible, team spirit, good logical thinking, good psychological quality and moral character, and putting the interests of the company first.
What should loan salesmen pay attention to?
To develop for a long time, you must either become a party with a large number of customer resources or a party with strong digestion.
If you sell it to others, don't ask too much, otherwise it will do harm to friends and customers and it will be difficult to develop for a long time.
Customers and peers need long-term maintenance.
Don't be fooled by money.
Don't cling to the big list, there are always tens of millions, but believe me, it is difficult to succeed.
What knowledge should a credit salesman have?
Since I chose you for an interview, it means that the major is not very important. Being a loan officer requires a high comprehensive quality, and all aspects should be able to listen and understand. Besides personal charm, having resources will also add a lot of color to you.
What should I know as a loan salesman?
To develop for a long time, you must either become a party with a large number of customer resources or a party with strong digestion.
If you sell it to others, don't ask too much, otherwise it will do harm to friends and customers and it will be difficult to develop for a long time.
Customers and peers need long-term maintenance.
Don't be fooled by money.
Don't cling to the big list, there are always tens of millions, but believe me, it is difficult to succeed.
What do credit salesmen mainly do?
Loan officers can accept personal loans and corporate loans. Personal loans include personal housing mortgage, personal real estate mortgage, personal certificate of deposit pledge and other loans, and credit personnel should do pre-loan investigation, including the borrower's basic information, income, credit status, repayment source and so on. Corporate loans include working capital loans, fixed assets loans and syndicated loans. The contents of the survey include the basic situation of the enterprise, the source of repayment, financial status, guarantee ability, etc.
What should a loan officer do?
Responsible for finding customers, collecting customer information and signing contracts with customers.
Usually go to work from nine to five.
I want to learn to be a loan salesman and learn the basics.
Fundamentals of finance, computer operation
I hope I can help you. If your problem is solved, please adopt it. Thank you.
How about being a loan salesman?
How do loan officers find customers? How do loan officers expand loan customers? The following are some suggestions and methods for loan officers to find customers based on their experience:
1. The new loan officer can rely on the original customers to accumulate resources, and your colleagues, leaders and masters will give you some;
2. Sweep the floor or visit strangers to find customer resources;
3. The loan officer should segment the market according to the industry or other screening conditions, list customers, implement list sales, and find customer resources;
4. If you have to, you need to rely on parents, relatives, friends and other relationships to solve economic problems for people around you;
5. At present, the loan product released in Accelerated Loan is the lowest-cost loan platform, and customers no longer charge any fees.
6, you can consider the way of sweeping and setting up stalls, whether it is not particularly recommended and can be used in the early stage;
7. Try to help customers win preferential policies, improve work efficiency and build a good reputation, especially for corporate customers;
8. Old customers should communicate more, pay attention to each other's business and living conditions, monitor their repayment ability, enhance their feelings and bring new customers.
How do loan officers find customers? I believe that as long as the loan officer has a good knowledge of the industry, tries to think for customers and makes full use of free Internet tools, there will be good results if he persists, and there is no need to worry about finding customers.
How to find customers as a salesman in a small loan company? 10 point
First, the choice of target customer groups
The target customer groups of microfinance companies mainly have the following characteristics: customers have the ability to produce, operate and repay loans, and they can't get the financial services they need and don't fully enjoy them. The loan to customer orientation mainly includes two parts: the loan to customer orientation and the orientation of cooperative units.
(1) The loan is customer-oriented.
Customer orientation is the choice of service objects for microfinance companies, and it is also the process for microfinance companies to choose customers according to their own advantages and disadvantages, meet customer needs and make customers become their loyal partners. Taking low-and middle-income people as the group has always been the business and service orientation advocated and adhered to by microfinance companies, including farmers and herdsmen, individual industrial and commercial households and small and micro enterprises.
1. Reference conditions for personal loan customers of microfinance companies to apply for loans:
(1) Natural person with full capacity for civil conduct, age 18-65 years old (inclusive);
(2) Having legal and valid identity certificates (resident ID card, household registration book or other valid identity documents), proof of marital status, etc. ;
(3) Being law-abiding, having no illegal acts, having a good credit record and willingness to repay, and having no record of serious breach of contract in the personal credit information system of China People's Bank;
(four) a stable source of income and the ability to repay the principal and interest of the loan in full and on time;
(5) Willingness to repay;
(6) The loan has real use, etc.
2. Reference conditions for corporate customers of microfinance companies to apply for loans:
(1) conforms to the national industry and industrial policies, and does not belong to micro enterprises with high pollution, high consumables and high energy consumption;
(2) The enterprise has been approved and registered by the administrative department for industry and commerce, and passed the annual inspection by the Bureau of Industry and Commerce, Taxation, Technical Supervision and the People's Bank of China;
(3) Having an operating period of more than 3 years, and having transparent auditing and accounting accounts;
(4) The legal representative has good business reputation and practice experience;
(5) Fulfilling social responsibilities;
(6) Enterprises have certain competitiveness in the industry;
(7) The shareholders' meeting or partners unanimously decide to apply for loan guarantee;
(8) the production and operation of special industries have obtained industry licenses.
(B) the positioning of cooperative units
In addition to directly facing loan customers, microfinance companies can also use other platforms to expand their business chains and provide financial services.
Second, the main ways of customer selection
Regional selection
(B) income structure choice
(3) Differentiated choice of industries
(D) Personalized service target customer selection
Third, the key points of customer selection
(a) to micro or small enterprises, low-income people as the main loan target;
(2) The capital demand has the characteristics of "small amount, quick speed and dispersion";
(3) Lack of collateral required by traditional banking institutions, but judging from some non-financial "soft information" of loan applicants, they have good credit standing and have the ability and willingness to repay the principal and interest.
Four. Business scope of microfinance companies
(1) The business scope stipulated in the current pilot policy
Under the current pilot policy framework, local regulatory authorities have different provisions on the business scope of microfinance companies. However, it basically does not absorb public deposits, handle small loans, discount bills, and related consulting activities and other approved businesses.
(2) General loan business
Loan business refers to a way in which small loan companies lend their own funds to customers at a certain loan interest rate in the form of monetary funds and repay them on schedule.
1. Loan term
2 loans are divided into working capital loans and fixed assets loans according to their purposes.
Loans are divided into credit loans and secured loans according to whether there is guarantee or not.
(3) Microfinance intermediary business
In addition to the general loan business, microfinance companies can also carry out some intermediary business within the permitted business scope. However, in the actual operation process, the intermediate business is basically blank.
What should a salesman of a loan company do?
We should study the local market structure and its characteristics, then determine our target market, make a market development plan, and implement the plan step by step with emphasis. Finding potential customers is a necessary step to establish a customer relationship database.
(i) Establishing a database of potential customers. According to the securities investment demand, securities investment ability and other factors, analyze and find potential customers, which can be institutional customers or individual customers. Building data needs a long time to accumulate and contact.
(2) Collect relevant information and establish customer files. This is a necessary step to know the customer, and it can be collected at the same time as creating the customer database. The main contents should include basic information such as name, age, address, telephone number, education, work unit, monthly income and hobbies. But because it involves privacy, it is difficult to collect and keep it confidential.
(3) Classify the data and make the development plan. Systematize the collected data, establish classified files, identify potential customers and make development plans for potential customers. The customer development plan shall mainly include:
① Goal setting. It is necessary to set short-term and long-term goals for market development. ② the selected object. Select a specific customer object implementation plan.
③ Travel arrangement. There should be a detailed plan for the arrangement of the trip, and the degree of detail should be determined according to the needs. ④ Review and revision of the plan. Modify the original plan according to the actual situation of the development customers.
(4) Get in touch, build trust and establish direct contact. Only by establishing normal contact and gaining the trust of customers can we have in-depth contact. At this time, we should pay attention to the transmission of the broker's own image, both moral and practical.
(5) screening customers. To eliminate those objects that are not suitable for development, we can make a preliminary judgment according to the basic information, or decide whether to develop customers according to the attitude and actual situation of the objects after certain contact. Screening customers can adopt rating mechanism to carry out computerized management of rated customers.