Not recommended
Individuals do not recommend loans, the income is unstable, and the freedom of time can easily make people lose their morale and be free. Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. A loan is a letter that a bank or other financial institution must return when lending monetary funds at a certain interest rate.
Second, if a girl makes a small loan, is it easy to do it?
I think this wave of regulation has a more serious impact. The most typical civil collapse in Ordos led to the re-integration of the small market, and the local government issued a new document to regulate the market environment. Of course, this is all regional. I don't know where you are, so it's hard to say what your area is like. Real estate is definitely promising, but don't do real estate below the third and fourth lines. There is absolutely no sign of recovery in the short term, and the supply exceeds demand seriously. So if you are located in these cities, transformation is a good choice.
3. What is the job of a corporate loan officer and what kind of person is suitable for him?
Job responsibilities are:
1, responsible for marketing the loan business and promoting the company's products to potential customers;
2. Be responsible for the customer's business consultation and the reception of customer's businesses;
3. Conduct an all-round credit review of customers who apply for loans, investigate the credit status of loan applicants and guarantors, collect data, and judge the solvency or the liquidity and repayment value of mortgages and pledges; Be responsible for loan issuance and post-loan management, and be responsible for the loan from issuance to full recovery of principal and interest;
4. Responsible for maintaining customers and providing customers with high-quality services before, during and after lending; Visit customers regularly, continuously monitor the information submitted by customers, find potential problems in time, and reduce the loan risk.
5. Complete other tasks assigned by the credit manager. Requirements: 1, full-time bachelor degree or above, major in accounting; 2, under the age of 35, the city's household registration, no criminal record, integrity, good professional ethics; 3. Have certain communication skills and be proficient in using office software; Have a driver's license and driving experience; 4. Have working experience in banking and other related financial and credit positions, be familiar with credit business processes, have a strong sense of responsibility, be hardworking, have quick thinking, have strong language skills, be cheerful, be kind and have good social relations resources. Summary: This kind of work is equivalent to being a salesman. You should be able to withstand pressure, do more business and order more. Of course, your salary will be more. Hey, hey, come on.
4. Does the credit department work on Saturday?
The credit department usually doesn't go to work on weekends. The sales department is open on holidays.
Banks have professional accounting departments, and credit departments rarely contact financial work, so credit work is not accounting work. The credit work of banks is similar, and the two main tasks of loan officers are 1. Do a good job of deposit. 2. Do a good job in corporate loans and follow-up after loans. The job you are referring to is somewhat similar to the post-loan job after car sales. In fact, after the bank lends money, there will be post-loan work every month. We can investigate our clients' corporate finance and business operation through personal visits and telephone contact, and we can ask our clients to provide the latest financial statements and the financial statements at the end of last year.
I. Functions of the Bank Credit Department:
As the name implies, the credit department of a bank is the department that manages credit. Its task is to strive for corporate deposits, review and issue corporate loans. Employees in the credit department are generally called loan officers or project managers. Each bank has a different name, and each person is responsible for several enterprises (or units). They should be familiar with the operation and financial situation of the enterprise and master the use of enterprise loans. If you practice, the loan officer is the teacher. He (she) will teach you to understand the financial statements of the enterprise, analyze the operation and financial situation of the enterprise, and go to the enterprise to understand the real situation of the enterprise on the spot. Loan officers spend most of their time running outside instead of sitting in the office, requiring them to have strong public relations and analytical skills and be good at dealing with people. The ratio of boys to girls is not specified, but mainly depends on ability. The credit department is the key department for banks to obtain profits, and it requires higher personnel. As for the internship time, it should be going to work, that is, Monday to Friday.
2. What does the credit department of the bank mainly do?
Branch-level credit departments generally review low-risk businesses, including bill discounting and pledge of small deposit certificates.
The credit department of the branch shall review the credit business within the jurisdiction of the branch, including the working capital loans of AAA customers.
The Credit Department of the Head Office reviews the credit business within the authority of the Head Office, including long-term loans and fixed asset investment loans.