To do a good job in loan sales, we need to start from the following two points:
About sentences
There are three problems with statements: first, false statements; Second, misreporting; Third, there is no report.
As a loan officer, it should be a basic skill to identify true and false statements. No matter what enterprise, whether it is a false statement, a wrong statement or no statement, as a loan officer, the first thing to do is to make a true statement, that is, "report reengineering."
The main financial statements include balance sheet, income statement and cash flow statement. According to the new accounting standards for business enterprises, small enterprises may not prepare cash flow statements. But in fact, the cash flow situation of small enterprises is the most useful for credit personnel. The balance sheet reflects the assets and liabilities of the enterprise at a certain point, and assets = liabilities owner's equity. The so-called report reengineering is to add the balance sheet from left to right.
How to adjust the assets and liabilities in false and wrong statements by subtracting right from left and adding right?
Monetary funds refer to cash, bank deposits and other monetary funds. Generally speaking, cash insists on seeing is believing. You should see what the enterprise management authorities have approved. You will recognize the real bank deposit slip when you see it. When you see it, you will recognize it. If you don't see it, subtract it from the money fund account on the left side of the balance sheet.
Second, how does the loan officer manage the channels introduced by friends?
Banks, find the person in charge of the investment company to talk directly about the cooperative small loan company, find the small loan salesman in the same industry to connect with the business investment company, and all the peers should find it, and then eat and drink to talk about business. Of course, they can be called marketing and run professional markets.
Third, how do loan officers do a good job in entity loan marketing
I've used the credit circle. It's boring. Alas, talking too much is all tears. . .
Four, briefly describe how to do a good job in the marketing of corporate loan business.
Personal loan marketing is simple. First of all, we must fully understand the customer: together with the customer, we can face the customer's loan demand and real use, and understand the customer's credit guarantor or mortgage assets through the credit information system, which can basically avoid credit risk.