First of all, loan officers need strong diplomatic skills and extensive contacts, otherwise it will be difficult to do so.
When someone borrows money from the bank due, the bank will discharge the loan officer to call for debt collection (the skills of debt collection will be trained by the bank).
Or if someone applies for a loan, the bank will bring a loan officer to the door.
There are two kinds of general salesmen (loan officers), one is enterprise salesmen, that is, they are engaged in business in enterprises and companies.
One is an individual salesman, that is, handling personal loans.
In addition, the bank will certainly give you a desk, but you mainly have to run outside. Of course it's easy to do it if you have a relationship, but it's difficult if you don't. Because every salesman has indicators.
How do loan salesmen find customers and resources?
As a bank loan salesman, the first task is to expand customers and create benefits for the company. For an excellent loan salesman, it is not a big problem to expand customers, because they already have a lot of contacts and experience resources, but for many new bank loan salesmen or bank loan salesmen with few contacts, it is very difficult to expand customers. In this regard, Mai Lender summed up the skills and knowledge of those excellent bank loan salesmen and shared them with everyone.
First, thoroughly explore the company's products.
When you start looking for customers, the first thing you have to do is to explore the products you want to promote and master the product knowledge as much as possible. In the credit industry, you can often see that many bank loan salesmen don't know much about the products they recommend. When communicating with customers, they have to call the relevant personnel to find out the situation. Imagine if a person doesn't know much about his own products, how can he persuade others to buy your products?
Second, find customers through the Internet.
Now, in this era when everyone is talking about the Internet, as a thoughtful loan officer, we should better integrate the Internet and help us expand our customers. The specific method is as follows.
1, using social tools to find customers.
Your Weibo, WeChat, circle of friends and space must show you the industry, products and professional knowledge you are engaged in and deepen the impression of your circle of friends. Usually, people may ignore it, but once you need a loan, you will definitely think of it first, but only if you don't just advertise, but really share some loan knowledge, loan skills and so on. In this way, the introduction of friends has high credibility and directly reduces the risk of customers. Of course, it takes time, because not everyone needs a loan every day.
2. Settle in to help expand the customer platform.
This does not refer to the classified information platform, but is similar to the Mai Lender App platform. At present, Mai Lender App can release products, increase industry exchanges, enhance credibility, directly display contact information, and obtain first-hand customers at the lowest cost. Staying on such a platform can help you increase a lot of orders.
Third, the traditional offline exhibition industry
1. Expand customers through the yellow pages and magazines.
The yellow pages of telecommunications should be easy to find, and the most important thing is how to communicate with customers by telephone. The telephone exhibition industry is very particular. If we can attach importance to it, it can also help us increase a lot of orders. This can be understood through Baidu search "Mai Lender: Telephone Sales Summary of Loan Officers". As for magazines, I'll tell you about professional magazines here. Now the magazine industry is quite popular, and the customers of this kind of magazine are used to it. Generally speaking, as long as companies appear in magazines, there are better magazines such as HC and Universal. And this kind of magazines are more clearly classified and easy to find customers.
2. Bank loan salesmen can send small advertisements, announcements and business cards to find customers.
Although this method is not as high-end as advertisements in radio, newspapers and other media, and advertisements for inserting cars can be seen everywhere, it is one of the most basic ways of exhibition as a loan industry. This way, the advertising cost is low, and it can be directly displayed to middle and high-end customers with cars.
Fourth, introduce new customers by customer recommendation.
Loan officers who are new to the workplace often lend money to customers in need. A loan officer with a little ability and industry experience lends money to anyone, and a loan officer with a monthly income of 50 thousand helps all former users find new customers and turn all customers into their own employees. Think about it, isn't this exponential growth? The more users you lend, the more new users you recommend. At this point, you may have a question, so how do so many customers maintain good feelings? In fact, the method is very simple. You just need to add them as WeChat friends, then form a WeChat group, pull them all in, and then often chat and pour water in it, and send a red envelope from time to time to set off the atmosphere. If a customer introduces a new customer to you, you can give him a small reward and send it to the group. I'm sure someone will help you introduce your customers.
Mastering the above four methods, the bank loan salesman will be able to become an excellent bank loan salesman and realize his own life value after a long period of accumulation.
My loan company had better be a channel salesman, or go to a loan intermediary company to do telemarketing, and earn more.
My loan company had better be a channel salesman, or go to a loan intermediary company to do telemarketing, and earn more.
It is easier for channel salesmen to develop and maintain their own channels and face the heads or bosses of other companies, but the commission for a single business will be less than that for telephone sales; Telemarketing salesmen directly face customers who need loans. That's the difference. It must be that the telemarketer has a high commission.
Is it better to be a bank loan officer, a company loan officer or a loan intermediary company loan officer? Give me some advice.
The intermediary wants to enter a small amount, and the small amount wants to enter the bank. The pressure of banks is greater than that of small loans, and the pressure of small loans is greater than that of intermediaries. Banks are most dependent on relationships. . . . There are many things that intermediaries contact, which may not be suitable for too long. In the long run, they must go to the most stable financial institutions. . . .
What companies are there in Foshan? I want to be a loan salesman, not an intermediary company, but the kind that small loan companies run their peers.
Application conditions:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
Is it better to be an intermediary or a company in the loan industry?
You can apply at the local bank.
Application conditions:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
I am a loan agent. Is there a loan company looking for cooperation?
Loan business conditions:
1, 18 to 65 years old natural person;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information, no bad records, and legal use of the loan;
Materials to be prepared for the loan:
1, valid ID;
2. Proof of permanent residence or valid residence, and proof of fixed residence;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Loan use plan or statement;
How can a salesman of a small loan company find a loan customer?
Sales staff of regular small loan companies can cooperate with accelerated loans for free and get high-quality customer push.
Which loan intermediary company is good?
Why do you want to find an intermediary company? Just like buying a house.
Which loan intermediary company in Beijing is good?
There are countless loan companies in Beijing. Go to Beijing Yi Rong Runze Information Consulting Service Center.
It is recommended that you choose formal channels to handle loans, such as bank channels;
The loan amount through China Merchants Bank is small (less than 50,000 yuan). If you are already a user of China Merchants Bank and downloaded the mobile banking APP of China Merchants Bank, you can try to apply through this interface by logging in to mobile banking and clicking My-All-Loan-I want a loan. If you meet the credit card requirements of China Merchants Bank, you can try to apply for a credit card.
The loan amount is more than 50,000 yuan. If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank outlets. Due to the different requirements and application materials of each loan project, the current loan purposes are: car purchase, parking, decoration, education, bulk consumption shopping, tourism and other legitimate personal or family consumption; And the use of business turnover. You can call 95555 at 8:30- 18:00 to enter the manual service and provide the loan purpose and city for detailed information. Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.
What are the channels for obtaining customers in the loan industry?
Generally speaking, there are three kinds.
First, offline channels, including introductions by others, including field trips by salesmen, billboards, mobile advertisements and so on.
Second, online channels. Advertising investment in various videos and websites.
Third, telemarketing. Find a promotion company to do it.
This is the end of the introduction to the channels of loan salesmen and what they need to know as loan salesmen. I wonder if you found the information you need from it?