Loan consulting service.
There are three main credit institutions in Ping An, China. Different institutions may have different preferences, but they mainly provide loan consulting services.
China Ping An's credit institutions mainly include Ping An Bank, Ping An Pratt & Whitney and Ping An Car Loan. All three institutions provide credit, but the emphasis is different. Ping An Bank favors customers with better qualifications, Ping An Pratt & Whitney has looser requirements for customer qualifications, and car loans mainly provide mortgage loans.
Second, what kind of position is China Ping An Credit Administrator?
China Ping An Credit Administrator is mainly responsible for investigating the strength and potential of loan companies and individuals and providing them with policy suggestions on loans.
The credit administrator's job content:
1. Announce the types, term, interest rate and conditions of operating loans and provide consulting services.
2. Guide to fill in the loan application form and help to handle the loan application and other businesses.
3. Assist relevant personnel and departments to evaluate the borrower's credit rating.
4. Investigate the borrower's legality and other factors, verify the collateral, pledge and guarantor, and determine the loan risk.
5. Reply to the loan application, sign a loan, guarantee contract or go through notarization procedures.
6. Issue loans, track, investigate and check the contract execution and operation of the borrower.
7. Send a notice of repayment of principal and interest, and urge the borrower to repay the loan; Send and collect overdue loan principal and interest.
8. Collect relevant information, and the relevant departments shall assist borrowers who cannot repay the principal and interest on schedule.
9. Establish and improve the loan quality preservation system, classify, register, evaluate and collect non-performing loans, and write off non-performing loans in a timely manner.
10. Assist in the acceptance, discount and rediscount of commercial bills.
Extended data:
The development path of credit administrators:
Under the modern economic model, loan officers play an increasingly important role as a bridge, which is the link between enterprises and other commercial institutions and banks. Loan officers help potential customers to apply for loans. At the same time, credit personnel should collect specific information of individuals and enterprises, and analyze the borrower's credit status and repayment ability to ensure the reliability of decision-making.
Loan officers also provide guidance to customers who have difficulties in traditional loan credit requirements, including: providing the best type of loans for specific customers and explaining their specific requirements and restrictions. Modern loan officers lack senior talents, especially those with good quality, good employment prospects and good treatment. Loan officers can develop into bank account managers through the accumulation of certain experience.