First, conduct market research, maintain customer relations and promote market expansion; Select high-quality customers and determine clear marketing objectives;
Two. Accept the loan guarantee application put forward by customers, collect relevant information, investigate the legality, compliance, safety and profitability of the secured loan applied by the applicant, and be responsible for the authenticity of the investigation contents. The main contents of the survey are:
1. Investigate and verify the basic information provided by the guarantee applicant, such as the identity certificate, the qualification of the guaranteed subject, the product market, the financial status and the inventory of production, supply and marketing, grasp the real use of the guaranteed loan, and investigate and verify the operation status and solvency of the guarantee applicant;
2. Investigate and verify the ownership and value of collateral to realize the feasibility and legality of collateral;
3. Investigate and verify the guarantee qualification, compensatory ability and credit standing of the counter-guarantor;
4. Other materials that need to be investigated.
Three, a comprehensive analysis of the investigation of the guarantee business, write a report on the investigation of the guarantee business, and put forward clear opinions on the amount, duration, rate standard, use mode and counter-guarantee situation of the guarantee, and report it to the review post for review after approval by the department head;
4. Register mortgage (pledge), sign a guarantee contract, collect relevant fees and notify the cooperative bank to issue loans;
Fifth, according to the requirements of the post-guarantee monitoring system, the customers who have implemented the guarantee are monitored regularly and irregularly;
Sixth, do a good job in collecting and sorting out customer information and business information after insurance, and do a good job in maintaining customer information systems;
Seven, the implementation of the list management of customers with potential risks, responsible for the development of action plans, and organize the implementation.
Review job responsibilities
Examiners conduct due diligence on the application for guarantee business reported by the account manager, put forward clear independent examination opinions and submit them to the approver for examination and approval, fully reveal the risks of the guarantee business being examined, and be responsible for the examination opinions issued. Its main responsibilities are:
First,? Feasibility review. According to the relevant provisions of the Measures for the Risk Management of Guarantee Business, review the main risk points and risk prevention measures, solvency, rate standard, guarantee period and counter-guarantee ability of the guaranteed business;
Second, compliance review. Review whether the guaranteed business complies with the national policy investment regulations and whether the customer's business scope is legal and compliant;
Third, integrity review. Review whether the information provided by the account manager is complete and effective, including the review of customer loan cards, project approval documents and other supporting materials that need to be provided; ? Fourth,? Review the comprehensive risks of the guarantee business;
Verb (abbreviation of verb) authorizes the approver to approve or reject the guarantee business, and then informs the account manager to handle the relevant formalities; ? Intransitive verbs actively pay attention to the development trend of local economy and industry and the changes in the risk status of customers under review, and communicate and report with department leaders in time.
Job responsibilities of risk monitoring
The risk monitoring post is responsible for monitoring the risk changes of the company's insured customers and putting forward corresponding treatment opinions. Its main responsibilities are:
First, carry out risk early warning according to the collected risk information or the identified special circumstances;
Two. Continuously monitor, check and summarize the risk status of customers in the risk monitoring list and the implementation of the phase-out plan;
Three. Collect, sort out and report the risk information collected in the process of risk monitoring of guarantee business or through other channels;
4. Prompt the account manager of the risk information formed by the industry and market changes, laws and regulations, national policy adjustment and customer management of the guaranteed customer.
Responsibilities of the back office
1. Be responsible for the file management of guarantee customers to ensure its integrity and effectiveness;
2. Responsible for centralized management of customer-related information of potential risks (including monitoring reports and risk analysis, etc.). );
Third,? Custody and registration of collateral (pledge) right certificate;
4. Be responsible for making various statistical reports and other materials required by the company;
Five, responsible for the statistics of the guarantee business data, data accumulation and departmental file keeping.
The intransitive verb is responsible for notifying the relevant documents of the company.