Personal Annual Work Summary of Credit Department 1
After half a year's internship and three months' formal work, I gradually changed from a student to a professional, and began to really set foot on my career. I gained a lot and felt deeply. This paper summarizes my work for more than half a year and makes swot analysis. On the one hand, I sum up my previous work experience and apply it to my future work and study. On the other hand, I found what can be improved in my work to improve my work efficiency in the future.
Strengths (advantages):
During half a year's internship and work, I have been constantly learning business knowledge and getting familiar with business processes. In my spare time, I studied and obtained the qualification certificate of banking. While laying a solid theoretical foundation, we should constantly strive for practical opportunities, exchange business acceptance experience with loan officers as much as possible, adhere to both theory and practice, and be hard-working with both hands.
Weaknesses (weaknesses):
As a qualified loan officer, it is a very important basic skill and an indispensable means of risk control to be familiar with Harbin streets and accurately judge the housing prices in various districts. For me, the ability training in this area is slightly lacking, and the experience accumulation is slightly insufficient. Filling this short board is the direction of my future efforts.
Opportunities:
Our team is in a transition period, from personal work to traffic specialty. The change of process will lead to the change of concept, and the change of concept will also lead to the optimization of process. In other words, in the transitional stage of the organization, it is more conducive to theory guiding practice and practice sublimating theory, and it is more conducive to me mastering new knowledge and improving my own ability.
Threats:
Change is both an opportunity and a challenge. I must adapt to the evolving workflow and working environment as soon as possible, make various coping strategies, learn to innovate constantly while adapting to new work activities, and be a person who is always ready to work.
After more than half a year's work, I gradually learned how to do things: from the credit master, I learned what love and dedication are, what diligence is, and what professional ability is. More importantly, I also understand how to be a man: honest and trustworthy, sincere to others, law-abiding, and every credit elder is carefully interpreting these words. Being sincere and attentive to others will also be an eternal principle throughout my future career.
Summary of Personal Annual Work of Credit Department II
Unconsciously, I have been working in _ _ _ company for nearly half a year. I know that I have not wasted my time in the past six months, and I have lived a full life. I like the feeling of fullness. Here, I have grown up, my business has gradually become familiar, and I have matured a lot in dealing with people.
I was assigned to the position of loan officer in the Ministry of Finance. Although I have learned a lot of theoretical knowledge about fund-raising and financial management at school, I have no idea about the actual operation, and I am uneasy. Work is not as difficult or as easy as imagined. Although at first, the leaders only arranged some very simple tasks, such as running bills, that is, checking, sorting and signing telegraphic transfers and checks, sending them to the bank, and then sorting and distributing the receipts. However, it is not easy for beginners to finish this daily work without making mistakes in a limited time. Especially after the master elder brother Wei Yu really gave me the work, I realized that I was not at the plenary session, until I looked at the things in metropolis and really did it myself. So, as you can imagine, I was in a hurry, often in a hurry, rushing from one office to another, riding my bike to the bank one after another, or coming back after dark. I also made many mistakes, which annoyed me at that time, but it was these mistakes that taught me how to do this job well. Now, to sum up, I think there are at least five points to do this job well: first, be responsible; second, be careful; third, know how to plan time; fourth, know priorities; fifth, be flexible. I also realize that a loan officer, as an operator at the business level, on the one hand, directly provides financial services to business departments, and should be as familiar with various trade financial instruments and the operating characteristics of various business departments as possible. On the other hand, the loan officer is the window of communication between the company and the bank, so it is necessary to have good communication and exchange with the bank staff and establish the image of a big company.
Of course, when all kinds of bank settlement become familiar and I am proficient in running bills, _ _ _ will let me learn to do back office work and gradually take over all kinds of banking business. Our company has various financial services in various banks, such as the maximum credit line, bank commitment letter, domestic certificate, four-party agreement, letter of credit, letter of guarantee, draft, short-term securities lending and so on, which really opened my eyes. Although I am mainly doing some simple operational things, such as data preparation, contact placement and so on. I also intend to increase my understanding of various businesses and improve my ability to analyze and solve problems. In addition, I went to almost all banks in Hang Cheng where companies have business dealings, and got to know many people in the counter and credit department, which increased my knowledge. Not long ago, Yu Wei and I also made a preliminary division of labor. I helped deal with the bank in charge of Zhu Hong, which was a challenge for me and a good exercise opportunity.
Over the past six months, I have got along well with my colleagues and leaders, and all aspects of work have been carried out smoothly. My brother Yu Wei gave me a lot of selfless help. The company arranged a dormitory for us and gave a lot of care to the new employees in life. I am also very satisfied. I like the pace of life and work now, and more importantly, I see my future and expectation here. I know I have many shortcomings and immature places, and I still have a long way to go. I hope I can grow up quickly, shoulder the beam of the company and realize my own value while creating value for the company.
Summary of Personal Annual Work of Credit Department 3
I'm a loan officer in a branch. I investigated 150 loan customers, and 30 loans were successfully granted, with a loan amount of 70,000 yuan, all of which were normal loans. The hard course of free credit from scratch.
I think I have the following experience:
Facing the position of loan officer, I was really timid at first. Since I joined the work in 20__ years, I need to go to the customer's home every three days to learn about the customer's basic situation and business information on the spot, investigate and master the customer's loan purpose and repayment willingness, and analyze the customer's repayment ability. These are really too difficult for me who is not good at communicating with people. In the first month, I have been thinking, what should I do if I can't get the money out? Sometimes I quit my job and think it's better to continue to do my old job.
After learning about the general mentality of loan officers, the leaders of sub-branches will talk to you in time, let everyone emancipate their minds and put down their burdens, saying: Don't deny yourself easily before doing it, and you will gradually like the post of credit. The patient guidance of the leaders and the description of the development prospects have made everyone gradually emboldened in their work. The ideological worries were eliminated and the whole team began to have vitality. Like everyone else, I was greatly encouraged and made up my mind to learn from scratch.
Through professional training and self-study, I gradually mastered the microfinance business and operation process.
Through the vigorous publicity in the early stage of the sub-branch, some customers in need began to come to consult one after another, and I also welcomed the first loan customer. That day, with mixed feelings, another colleague and I took the bus for an hour and a half to _ _ village. This customer is a farmer, with more than ten years of breeding history, and knows the market very well. At the customer's home, after I introduced myself, I began to ask questions item by item according to the investigation order required during training.
Because it is the first time to communicate marketing with customers, I don't know enough about the industry, so I am very nervous. After asking for less than 20 minutes, the customer suddenly said, I don't lend. Go, just borrow some money from your bank, just like interrogating prisoners. As soon as I saw it, I explained it quickly, but the farmer just didn't cooperate. Helpless, my colleagues and I were disappointed, and the first marketing aborted.
On the way back, I recalled the scene over and over again and asked my colleagues how they felt. After analysis, I found the answer: the problem is not the customer, but I can't communicate with the customer at all, and I don't understand the needs and difficulties of the other party, which has caused an embarrassing situation.
Ask yourself, if you are always so bad at communicating with customers, who will dare to come to me for a loan in the future? No, you must change it and practice from the beginning! From then on, after work every day, I went to the streets with my colleagues to publicize, chat with small businesses and practice introducing loan business; After work, I also visit relatives and friends, introduce bank microfinance, and take them as practical objects. Where there is a will, there is a way. Now I feel that my communication skills have been greatly improved.
After efforts, the development of credit villages will be the focus of the sub-branch. It is its primary task to deeply understand and master the management situation and laws of farmers and understand the industry as soon as possible. Find several farmers through relatives and get to know the situation with colleagues on the spot. After a long time, I gradually got used to this kind of work. Although my work performance for half a year is not ideal, I deeply feel that my work cannot be separated from the care and support of the leaders and the credit department team. At the same time, I would like to thank my family who have been supporting my work in obscurity. I will try my best to be a qualified bank loan officer with the professionalism of caring for everyone.
Summary of Personal Annual Work of Credit Department 4
It is not easy to be an excellent loan officer, but it is not impossible. It depends on whether you do it or not. How? After nearly 30 years of ups and downs in rural credit cooperatives, from the initial loan officer to the director of credit cooperatives at the moment, we have witnessed the bitterness and difficulty of the majority of loan officers coming and going in the rain. On how to be a qualified, competent, excellent and caring loan officer for agriculture, countryside and farmers, I visited the loan officers and backstage staff, the majority of loan households and the families of credit cooperatives in my area. Through detailed communication with them, I have carefully combed and summarized. I think an excellent loan officer should achieve "three tens", that is, keep in mind the ten commandments, set the ten customs and do ten things well.
First, keep in mind the Ten Commandments and enhance the awareness of obeying the law.
There is a saying in the San Zi Jing, "If the son doesn't teach, the father is wrong; It's mother's fault that women don't teach. "So, as a unit of our credit union, should we understand this: employees don't teach, leaders make mistakes, employees make mistakes, and management is wrong? In recent years, we have put forward a series of management system methods, but the phenomenon of system scaffolding is very serious, which leads to the deviation of our grass-roots credit personnel's understanding, implementation and implementation of the system, so that people sometimes feel at a loss, blindly engage in work, grope for work, and artificially appear some phenomena of inadequate management. What's more, they violate the law, violate the rules and make mistakes without knowing where they are wrong. Moreover, the system failed to investigate and deal with some violations of discipline, conniving at them, making them unruly, deaf and bent on their own way, damaging the reputation of credit cooperatives and causing setbacks and economic losses to themselves. To be a loan officer is to know what to do and what not to do, as long as we have a system "high-voltage line" in our hearts; As long as we regard the system as sacred; As long as we keep clean and spotless; As long as the interests of the masses are kept in mind and the "Ten Commandments" are kept in mind, the credit work can be done well. New signature
If you learn nothing, you will make up for it. Credit personnel should be high-energy talents who are familiar with policies, understand business, have a sense of responsibility, adhere to principles, do not follow private affairs, and operate well and manage well. The party's principles and policies should be implemented by the specific work of credit personnel, and the convenience and benefit of credit cooperatives should be implemented by credit services. With the development of society and the change of situation, knowledge needs to be updated at any time, and some concepts and skills should also keep pace with the times. You can't rely on old experience, you should talk about things, and you should integrate some scientific decisions into credit work. If you don't study hard and improve, you can't adapt to the credit work under the new situation. Then, today's more and more exciting games, let's use the standard of "survival of the fittest" to judge fairly.
Second, don't brag and make wishes blindly. Our credit officers have their own operating rules, their own scope of work, clients and loan authority, and they should strictly carry out their work within their respective functions and powers, and they are their own clients, so they should support them wholeheartedly; Not your own service object, politely decline; It is within the scope of your own authority, so you should take the initiative to deal with it in time. If approval is required beyond the authority, it is necessary to do a good job in basic work and report it attentively. Never make a blind wish, nod your head and pat your chest, go beyond the examination and approval organization of the credit union, and cause passive prestige loss to yourself and losses to the lender. Such as: blindly evaluating the transfer of real estate, blindly signing loan agreements, blindly handling notarization procedures, blindly handling mortgage procedures, etc.
Five commandments of short-term behavior, light and heavy broadcasting. In recent years, we have carried out the reform of the wage system and implemented a performance-based wage system with a salary of 10,000 yuan, which has played a due role in mobilizing the enthusiasm of employees, accelerating the development of credit cooperatives and increasing the scale of credit. All loan officers have an idea in their minds, that is, if they want to earn more wages, they have to charge more interest on loans, and if they want to charge more interest, they have to lend more. Judging from our current implementation, most loan officers can adhere to the premise of safety, speed up the flow of funds and achieve benefits. In the future, we will stick to it, refrain from short-term behavior, make personal achievements, blindly enlarge the number of large households, and bring potential risks to credit funds. At the same time, we will further improve the assessment mechanism, organically combine responsibilities and rights to ensure that we can release and collect, and implement the "four-fixed and four-package" responsibility system we put forward, that is, determine the service area, service object and loan authority.
Summary of Personal Annual Work of Credit Department 5
With the end of 20__ quietly approaching, I have been working for a year. From my initial lack of confidence in business skills to my ability to analyze credit business alone, what happened really benefited me a lot. Looking back on this year's work, with the care of bank leaders and the help of all my colleagues, I earnestly studied my business knowledge and skills, actively performed my duties, summed up the shortcomings in my work in time, worked hard to improve my professional quality, successfully completed my personal work tasks, and improved my ideological consciousness, professional quality, operational skills and quality service. The experience and experience of this year are summarized as follows:
First, the canal is required to be so clear, because there is running water at the source.
No matter what occupation you are engaged in, you need to keep learning and get fresh "source water" in thought, culture and business. Only in this way can they make continuous progress and keep clear water.
Facing the position of loan officer, I was still a little uncertain at first. It is difficult for me to know the basic situation and business information of customers on the spot, investigate and master the loan purpose and repayment willingness of customers, and analyze the repayment ability of customers. These are all very difficult for me who only attended the training for a few days. At first, I kept thinking, I made a mistake in my analysis. What should I do if I throw the money out? So I often call the master of Ordos corporation for advice during training. Communicate your doubts with them, and think and summarize yourself after getting a serious answer. Learning in practice has given me a new understanding of credit work and increased my confidence.
At the same time, I deeply feel my own shortcomings in this respect. It is not enough to learn from practice, but also to supplement your theoretical knowledge. So I actively use my spare time to strengthen the study of financial theory and business knowledge, and constantly enrich myself. Actively participate in all kinds of training provided by banks, integrate all kinds of learning materials issued by banks, apply what they have learned, read financial books in their spare time and refer to successful credit cases.
Through practical experience accumulation, professional training and self-study, I gradually mastered the loan business and operation process. Professional work ability, comprehensive analysis ability, coordination ability and written language expression ability have been greatly improved.
Second, based on their own progress, and strive to water the credit.
I love my job. I can take every task seriously and reflect the country's financial policy flexibly in my work. Seriously abide by the rules and regulations, be able to complete the tasks assigned by the leaders in time and actively carry out business. Looking back on this year, our efforts have finally brought gratifying results.
1, unite and observe discipline, and do our best to improve operating efficiency. Over the past year, I have United my colleagues, obeyed the arrangement of the leaders, and actively done my job.
2. Strengthen awareness and actively market loans. After coming into contact with the credit work, I constantly strengthened the awareness of loan marketing, broke away from the idea of "being afraid of loans", looked for borrowers with good benefits, actively conducted market research on borrowers on the premise of ensuring the quality of credit assets, and gave credit support to individual industrial and commercial households with market and credit.
3. Adhere to the principle of credit and do a good job in credit investigation. I know that the quality of credit assets is related to our business development plan, and the responsibility is more important than Mount Tai, so we can't be careless at all. Over the past year, a careful investigation has been made on every loan, from the borrower's subject qualification, credit status, current situation and prospect of production and operation projects, repayment ability, to the guarantor's qualification and guarantee ability, and the legal effect of mortgage and pledge; From inventory inspection, current account use inspection to on-site inspection of houses and equipment; From the calculation of assets and liabilities, the analysis of production, sales and profits to the study of net cash flow of operating projects, the determination of loan risks, and the reasons for lending and not lending, I have carefully investigated every link without any slack. In the pre-loan investigation, I achieved the "three musts", that is, the loan conditions must conform to the policy, the loan documents must be legal originals, the lenders and guarantors must be present to verify and sign, and strangers should be regarded as acquaintances, thus ensuring the compliance and legality of loan issuance.
4. Strengthen management and strive to recover all loans. Collect overdue loans, make a detailed investigation of customers' operation in the current year, understand customers' income, and ensure the timely recovery of due loans.
Third, it's a long way to go, and I will go up and down.
The year's work has gradually come to an end, and some achievements can't be achieved without the strong support of CDB leaders. I am well aware that I still have many shortcomings. Through a year of training and training, I have learned a lot of knowledge and the truth of being a man. The road to glory is long, Xiu Yuan, and I'm in the ups and downs.
In the new year, I will strive to overcome my own shortcomings, study hard, improve my own quality, actively explore, perform my duties and obey the leadership. Be a good employee assistant, work together with all employees Qi Xin, unite as one, and make due contributions to the improvement of our operating efficiency and the completion of various objectives and tasks in the coming year.