The loan company salesman is mainly responsible for:
1. Be responsible for the pre-loan investigation on the compliance, legality, safety and effectiveness of the loans of borrowers and guarantors. According to the survey results, write a feasibility analysis report.
2, responsible for the borrower's credit information, borrowers and guarantors, business policy, credit policy, credit risk review.
3. Be responsible for inquiring and reporting the borrower's credit information and checking the validity of the borrower's loan card.
4. Be responsible for keeping the borrower's IOUs, collateral and various credit registers.
5. Be responsible for timely issuing collection notices for overdue loans, and do a good job in the collection of loan principal and interest.
6. In daily management, major issues that have a great impact on loan safety should be reported to the superior bank in a timely manner.
7. Be responsible for loan issuance, specifically contact the borrower, understand the customer information, and supervise and inspect the loan issuance and guarantor.
Extended data:
Housing loans of loan companies:
1, personal housing commercial loan
Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.
2, personal housing provident fund loans
Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.
3. Individual housing portfolio loans
Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.