↓↓↓↓↓ Click to get more information about "Summary of Bank Account Managers"
○○○○○○○○○○○○○○○○○○
○○○○○○○○○○○○○○○○○
Annual work summary, bank account manager, 5 articles.
○○○○○○○○○○○○○○○○○
○○ Annual Personal Work Summary of Bank Account Manager ○○
Summary of individual account managers of banks 1
It has been half a year since I joined Shangbu Branch. Over the past six months, I have deeply felt the unity, friendship, warmth and harmony of this big family, calmed my anxiety when I first joined the Bank of Communications and dispelled all kinds of concerns. Thanks to the care and guidance of leaders and colleagues in life and work these days, I can integrate into this group as soon as possible and adapt to the new environment, which is undoubtedly very important for employees who have just entered the post of Bank of Communications. Under the leadership of Duan Changhe and the care and guidance of my colleagues, my personal loan business and small business have made progress and improvement from practical operation to ideological understanding. With the increasing familiarity with the work content and the continuous strengthening of skills, I gradually realized the responsibility of my post. Over the past six months, I have been doing my job in a down-to-earth manner and treating Bank of Communications as my home. Personal work in 20 10 is summarized as follows:
I. Annual Work Situation
When I first joined Bank of Communications, I had no experience in personal loan products except personal commercial loans because I had only done commercial loan products for small and micro enterprises before. I would like to thank the leaders for their trust and give me a business follow-up, so that I can learn and be familiar with the business process as soon as possible; The headmaster's timely and effective communication and care helped me correct my mentality. I thank my colleagues for their help. When I was in trouble, they helped me and answered my questions enthusiastically.
Facing the critical period of rapid development and deepening reform of the industry, I am well aware of my responsibilities, but as a newcomer to Bank of Communications, what I have done is still very insignificant. In the past six months, I have studied business knowledge, actively participated in the qualification examination of banks, made telephone and SMS return visits to every customer I took over, handled the post-loan inspection of monthly branches and the quality system of risky customers in time, improved the establishment of Tian Yue quota, established Dongsheng Times quota, conducted first-class property marketing in Shandong Shengdai, handled early repayment, mortgage registration and mortgage cancellation for maintained customers, handled real estate licenses for our mortgage customers in Zilinshan, Shenye, and cross-sold customer deposits. Financial products, telemarketing business loans, first-hand real estate and personal loans increased by1160,000 yuan within half a year, and the approval of two business loans, second-hand building loans and10 million small business loans is being actively followed up. Although there is no outstanding contribution at present, I love my work, and I am steadily accumulating and paying silently. While trying to do a good job, we should improve our ability and quality and gradually cultivate our working ability. No matter what you do in the future, you can reassure and satisfy the leaders.
Second, the existing shortcomings and improvement measures
1, lack of market development ability. As an account manager, my current loan amount is far from enough. We should actively go out to expand customers and make full use of our product advantages to expand. Channels can't rely solely on the second-hand property business and business loans introduced by guarantee companies and intermediaries. At the same time, we should actively expand first-hand real estate and major chambers of commerce to actively expand first-hand property business, business loans and small business loans.
2. Communication is not deep enough. In the process of communicating with customers, customers' demand for banking products has not been tapped to the maximum extent. Failure to achieve significant results in cross-selling.
3. Strengthen study. Business study is important, but at the same time, I also need to learn the learning materials of various products of Bank of Communications in my spare time to make my business more comprehensive. It can also get twice the result with half the effort when expanding customers and handling business.
Three. 20 10 personal work suggestions
1. Try to create jobs with full passion instead of just accepting them.
Once you do something, you will never be discouraged, put an end to the fear of difficulties, and always remain confident, just looking for a successful way, not making excuses for failure.
3. Keep an eye on all directions, broaden your horizons, broaden your thinking, take the initiative to approach the market, and improve your marketing negotiation ability.
4, advance and retreat, so as not to be in a dilemma; If you forget all the insults, you can be humiliated.
In the following days, I will continue to do every job with a loyal mission, look for market opportunities with my heart, grow together with my colleagues under the correct leadership of the leaders, and witness that I will do my best to strive for a better tomorrow for the previous branch.
Summary of Personal Account Manager of the Second Bank
In 20- 2000, I served as the account manager of the branch company and the supervisor of the bank acceptance bill of the branch. Over the past year, with the care and support of bank leaders and the help and support of colleagues, I have made great efforts to create extraordinary achievements in the heavy and ordinary customer marketing and bill acceptance business. The marketing work was fruitful, and the bills were discounted to-1 100 million without any accident, which made due contributions to establishing a good image of the Bank.
First, continuously strengthen learning and strengthen the awareness of active service.
Marketing work and bill discounting work are very common and complicated, and they all say to do one thing and love another. I think, since I have chosen a job, I should be down-to-earth and do it meticulously. As an account manager and bill manager, I know the importance of my work, because it is a window for customers to directly understand the bank and plays a bridge role between customers and branches. Therefore, I have a strong sense of professional honor. In marketing and bill management, I always insist on learning business with an open mind, exercising my skills with heart, handling business patiently and treating customers warmly.
As a member of the bank, I have firmly established a sense of service in my work, always caring about customers and banks, and striving to improve the service level and quality. Over the past year, I have been full of hope and confidence in the branch and myself under any circumstances. I love my job. Now, in the positive development atmosphere of the whole bank, I have been down-to-earth, conscientious, diligent, eager for knowledge, striving for perfection, studying hard, making great progress in my business skills and achieving remarkable results in my business work. In the work of quality and civilized service, I strictly demand myself, always adhere to the service concept of thinking what customers think, meeting their needs and eliminating their worries, always put the interests of customers first, and provide customers with all-round, thoughtful, convenient and efficient services. In the process of serving customers, we have achieved standardized operation, standardized service, polite language and decent behavior, which left a good impression on customers and won their trust.
Second, innovative marketing methods to improve customer marketing level
During 20-2000, the Division persisted in innovation, and engaged in different marketing activities every quarter, namely, Spring Thunder Plan, Summer Offensive and Autumn Hegemony, which achieved satisfactory results. In customer marketing, I always believe that only by consistently adhering to quality service can we win more and better customers. Customers are always varied, and I always take customers as the center and strive to meet the reasonable needs of customers. On the premise of safeguarding the interests of branches, I will do more for customers and patiently handle every business. This year, various branches have successively introduced a series of service measures. When actually handling business, I rushed to the front line, mastered marketing methods flexibly, and provided convenient, flexible, personalized and fast services to customers on the premise of ensuring compliance with various bank rules and regulations. In order to stabilize and win more customers, services often extend to customer units. On holidays, I never forget to send a short blessing to the company's financial staff on their birthdays. I also don't forget to lend a helping hand to customers when they are in trouble, and do my best to be a caring person of customers with practical actions.
Third, patient and thoughtful service to improve the performance of bill discount.
In the bill discount work, we often meet some customers who put forward different opinions and can't understand our work. At this time, I always explain and respond skillfully in time, which will not hurt customers, but also maintain the image of the branch. In the service, sometimes the questions raised by customers just point out the defects of our service projects. If you turn a blind eye to the obvious facts, turn a deaf ear, or pretend to be unreasonable, not only will this business fail, but it will also damage the credibility of the branch. Therefore, I always accept customers' criticism sincerely and humbly, and then make a standardized and reasonable explanation, so that most customers will be willing to accept it and finally make business smooth.
In a word, the work of customer marketing and bill management is heavy and ordinary, but it is in this day-to-day work that I learned to treat my work with a pragmatic attitude and realized the charm of service. In the future, I will continue to treat my work with a natural, open-minded and inclusive attitude, continue to adhere to the "customer-oriented", forge ahead and make greater contributions to the development of the branch.
Summary of three bank account managers
Time flies. I have been working in our bank for one year since I received the training. With the care of the leaders and the help of my colleagues, I have made some achievements in my work, and my banking knowledge has made great progress, and my personal marketing ability has also been greatly improved.
First of all, in terms of work performance, under the guidance of leaders, try our best to market customers. By August 8, 2000, I had achieved a total loan of 30,000-60,000 yuan, including 25 honest loans with an amount of 2.88 million yuan and 7 new loans with an amount of 236,000 yuan.
Secondly, by learning from leaders, learning product knowledge and books, we have fully mastered the knowledge of our small and micro enterprise loan products. When I first contacted the account manager a year ago, I knew a little about loan business and micro-loan products. After one year's study, I have basically mastered the elements of our loan products, and can design reasonable credit schemes and specific business products for customers according to their financial status, guarantee status and business characteristics through communication with customers. In addition, while I am familiar with the business products, I actively study the credit risk control measures of our bank to control every loan business I am responsible for.
Finally, in the process of business marketing, study hard, accumulate bit by bit, and strive to improve personal marketing ability. As an account manager, his duty is to serve customers well. On the one hand, he should be familiar with his business products and know what he can bring to customers. On the other hand, he should understand what customers want, especially the latter, and their needs, so as to create conditions to meet them. The promotion of personal marketing ability depends largely on understanding customers and satisfying them. So in the process of communicating with customers, I keep exploring.
Customer's characteristics, advantages, disadvantages, hobbies, strive to close the sense of distance with customers, gain customer trust, and solve problems that customers need to solve urgently.
The past year has been a year of enrichment and progress for me. At the same time, these personal achievements can not be achieved without the care, guidance and encouragement of leaders. Of course, in the past year, I also made mistakes and had some shortcomings, especially in tracking potential customers and tapping customer resources, which is exactly where I need to work hard in the future.
The work plan for the second half of 2000-2009 is: firstly, strive to maintain existing high-quality customers, make good use of resources, do a good job in customer marketing, and maximize the profit of credit line under the current situation of lack of customers. Secondly, we should firmly grasp the seasonal characteristics, open up professional markets, do a good job in the marketing of microfinance products, and strive to achieve results. The third is to use our loan products to strengthen door-to-door marketing. Fourth, strengthen cross-examination and cross-marketing, and serve customers in all directions with other account managers.
Every day is a new beginning. I am determined to work harder, study hard, strive for progress in all aspects and become an excellent account manager.
Four lines of personal account manager summary
From 20 years to 2000, as an account manager, I was mainly responsible for loan management and credit marketing of expressway projects. Looking back on this past year, in order to achieve the marketing goal of early investment and early effect, I have always actively exerted my subjective initiative and always paid attention to the word "diligence", working like a grass in my job. Through our unremitting efforts, by the end of this year, the loan balance of the Bank's expressway project was 65,438+065,438+0, a net increase of 90 million yuan compared with the beginning of the year, and the deposit balance was 65,438+065,438+070 million yuan.
First, actively engage in marketing and persist in grasping deposits.
-expressway project is the focus of bank loan marketing. Because of the marketing of this loan, it is conducive to stabilizing and increasing bank deposits and achieving a win-win situation for banks and enterprises; It is conducive to improving the quality of bank credit assets, optimizing the credit structure and accelerating the pace of development; It is also conducive to improving the overall competitive strength of banks. Therefore, banks attach great importance to it, and actively contact -company through various marketing means, requesting to increase the loan investment within the company. After our department obtained 80 million yuan loan marketing in 2020, this year, according to the project progress and the company's capital use plan, we seized the opportunity in time, actively contacted the company, and made unremitting efforts to issue 90 million yuan project loan to the company under fierce competition, which not only met the company's capital demand, but also achieved the win-win goal of early investment and early effect of our loan. The main performance is: 1, the president is in command and attacks in all directions. In order to seize marketing opportunities and realize timely investment, the president personally took the lead, personally went to the company for public relations, and discussed with the owners in various ways, winning the company's understanding and support with our sincerity and quality service. 2. The account manager goes all out to provide all-round services. Often go deep into the enterprise to understand and master the progress of the project, the availability of funds and the company's capital demand, communicate with the company in time, report the loan approval materials according to the requirements of bank loan declaration and approval, and timely invest in loans. 3. Retaining deposits means retaining income. -The company is still under construction and has no operating income. Company deposits are mainly formed by project funds and bank loans. In order to win more deposits, we often give up our rest time when there is no ICBC business office in the county. After many consultations with-company, the company has transferred more than 86 million yuan from other banks to our bank. At the same time, in order to stabilize the deposit, every time the company pays for the project, it is required to pay from other banks as much as possible to keep our deposit to the maximum extent.
Second, actively collect information and do a good job in post-loan management.
-expressway Project is a major credit marketing company of the Bank. After the loan is issued, in order to ensure the safety of our credit assets, we attach great importance to post-loan management and actively strengthen loan management.
Specifically:
1. According to the requirements of loan management, actively collect information and improve loan procedures. At present, the Bank has collected all the information needed for the loan, such as the project scientific research report, preliminary design, project approval, environmental protection approval and commencement report, which has provided a guarantee for the loan safety of the Bank.
2, urge enterprises to earmarking, and the loan funds for the construction of expressway. At present, our department has established an account for the use of-company loan funds, registered the use of each fund, and reached an agreement with-company through consultation, and our loan is closed for use in the ICBC system.
3, often go deep into the construction site to understand the construction progress, according to the construction progress, to ensure that funds are used on the project as planned and as scheduled.
4. Do a good job in post-loan inspection in time and file post-loan information in time. Over the past year, I have made many in-depth inspections on the construction site, and formed eight post-loan inspection materials, two special inspection materials, four large household analysis materials, seven investigation materials and several report materials, which provided a basis for ensuring the loan safety and leadership decision-making of our bank.
Summary of Five Elements Personal Account Manager
Time flies, time flies, and 20 years has become history in an instant. Looking back on this extraordinary year, there were laughter, tears, growth and shortcomings. When I think about it, I feel deeply. As the new year begins slowly, it is necessary to make a simple summary of my work last year, so that I can go into battle lightly and strive for the first place in 20 years.
20-2008 is destined to be an extraordinary year. Faced with the downward pressure of the economic situation, the concentrated exposure of non-performing loans, the deterioration of the competitive environment and the continuous deepening of internal and external management, the Bank, based on its own characteristics, adhered to the responsibility of guarding the land, forge ahead with determination, carried forward the spirit of pioneering, and created a double-track standard and a perfect ending. In this process, under the care and guidance of the branch president and leaders, I have gained a lot, mainly in the following aspects:
First, in-depth study of product knowledge, and constantly improve their overall quality.
In the first three quarters, under the leadership of the President's Office and line leaders, while doing my job well, I persisted in studying the current financial guidance strategies and policies and the relevant rules and regulations of the Bank, constantly improving compliance behavior and raising awareness of compliance management; Earnestly study and implement the policy requirements of superiors, strive for survival in management and development in competition.
To this end, I also made a detailed study plan and insisted on learning the latest financial theory and related policies and documents of a specific product every week, which greatly improved my theoretical level and business ability. By updating knowledge and business, we can accurately grasp the difficulties and risks of this business when dealing with customer business, find them in time, make up for them as soon as possible, and get twice the result with half the effort.
In the fourth quarter, I was lucky enough to be transferred to the company department to study the company's business. Thank you very much. Because the personal financial management experience in the previous two years has formed a certain qualitative thinking, there are many differences in the company's business, so it is not suitable at first, but with the gradual understanding of the company's business, we can also find the laws.
It's just that the company's business is a bigger and more systematic project, involving the core of a bank, and the value created is the profit pillar of the bank, so the products are rich and the business operation is more standardized and comprehensive.
Second, adhere to customer-centric and provide good service.
In daily work, I can proceed from my own work reality, adhere to customer needs as the center, and devote myself to business development with a good sense of service and responsibility; Facing customers with high-quality and efficient service; Reward the trust of leaders with sincere work.
1. Establish a customer information base, collect and sort out information such as the enterprise's environment, its own basic situation, the product characteristics of other peers, the policy orientation of the industry, establish and maintain customer file information, and carry out work with high efficiency and quality.
2. Establish good personal relationship with the enterprise. In the competition of the same industry, diligence is a huge destructive weapon. Many enterprises or customers will trust you if they can see you often, and many businesses will be willing to consult or handle you. When I'm not very busy, I usually help my customers send back the receipt and go to the company to learn more about the situation. At the same time, I can effectively improve my personal relationship with business managers or financial personnel.
3. Do a good job in deposit marketing.
Under the leadership of the president's office and the marketing department, there will be a storage war at the end of each month. In this war without smoke, our task is quite heavy, and our responsibility is also quite important. Because customers are the foundation of the development of commercial banks, we must make great efforts to tap the source of customers to ensure the realization of the task. The measures we have taken mainly include:
First, make full use of our credit advantages, face credit institutions, put loan-to-deposit ratio requirements in the first place, ensure that loan-to-deposit ratio fully meets the standards, and at the same time, our deposit task can reach more than 60%.
Second, strive for funds from other banks. In the face of many customers, we keep in touch with enterprises, fully tap the potential, sort out potential customers over and over again, aim at units to find relationships, and attack in all directions.
Pay silently for our deposit task. Personally, if we can actively establish a good emotional relationship with customers, form a customer-centered business philosophy, think about what customers think, worry about their urgency, and let customers truly feel the superiority of our quality service, then customers are very willing to cooperate and support our work at critical moments.
4. Actively carry out loan marketing. In the team of a big company, what I do is mainly to maintain existing customers, but in this process, there will also be new projects for marketing, and I can also tap the potential of existing customers, increase the credit line and increase new loans.
Third, be strict with yourself, establish a good image, control risks, and build safe finance.
As a customer manager in the financial industry, people who are in contact with successful people from all walks of life will inevitably encounter various economic temptations. Some customers will give gifts for early loan, and some customers will put pressure on me in the name of developers. Faced with these, I think we must do it from two aspects.
First of all, I must be strict with myself, lead an honest and clean life, maintain the true nature of an excellent account manager, establish a good and upright image, and be unmoved by economic temptations; On the other hand, we should start from the actual policies of banks, control risks and patiently explain to customers. If the risk is beyond the bank's policy scope, even under the pressure of development, we must adhere to the principle and remain unwavering. Only in this way can we create safe finance and banks continue to develop healthily, continuously and rapidly.
Fourth, the next step of work ideas
The account manager is the window of external service and the external image of the branch. Personal quality directly reflects the service level of our bank. I know that I still have many shortcomings, such as being impatient when encountering difficulties, needing to improve my comprehensive coordination ability, needing to enrich my work experience, not being systematic enough, and having a narrow product knowledge. In the future, I will try my best to do the following. I hope leaders and colleagues will supervise and guide me.
1, strengthen team consciousness and establish collective concept.
At the end of the year, everyone in our team was moved. Although the weather outside was very cold, although many customers were not very cooperative, and although there were huge figures that we needed to find ways to complete, when everyone in the team participated and tried their best to achieve the goal, I was very moved by the spirit of not giving up. It was precisely because of this spirit that we persisted in the end and achieved a perfect ending.
2. Strive to improve the business level and customer service quality.
A scholar said: the real quality service is a conscious behavior from the heart, not a mechanical compliance with rules and regulations. To this end, as a beginner in the company's business, I should spend more time learning product knowledge and business skills, and I can't lower my requirements because of short contact time. I will try my best to complete the construction of my own quality in a good start, and make every effort to further improve the service quality, strive for a service brand and enhance customer satisfaction.
The personal account manager of the bank summarized five related contents:
★ 202 1 bank account manager's work summary 5 articles
★ 5 bank account managers' work summaries in 20 19.
★ The bank account manager summarizes 5 short articles at the end of the year.
★ Five personal summaries of annual assessment of bank account managers in 2020.
★ Annual work summary, bank account manager, 5 articles.
★ Summary of personal work of bank account manager
★ Work summary of five selected bank account managers
★ Annual Personal Work Summary of Bank Account Manager
★ Five year-end summary essays by bank account managers in 2020
★ Five essays on bank account manager's work summary in 2020
var _ HMT = _ HMT | |[]； (function(){ var hm = document . createelement(" script ")； hm.src = "/hm.js？ 1e 0527 ff 43 F5 DCD 963 BC 29 aa 7b 5223 b 2 "； var s = document . getelementsbytagname(" script ")[0]； s.parentNode.insertBefore(hm，s)； })();