Engaged in the work mainly includes:
(1) Announce the types, terms, interest rates and conditions of loans operated, and provide suggestions for borrowers;
(2) Understand the needs of borrowers, ask them to provide basic information such as financial reports, guide them to fill out loan applications and handle loan applications for them;
(3) Assist relevant personnel and departments to evaluate the borrower's credit rating according to the borrower's capital structure and other factors;
(4) Investigate the legality of the borrower and other factors, verify the collateral, pledge and guarantor, and determine the loan risk;
(5) Reply to the borrower's loan application, sign a loan contract with the borrower, and sign a guarantee contract with the guarantor or go to the notary department for notarization as needed;
(six) to issue loans to borrowers, track, investigate and check the performance and operation of the borrower's contract;
(7) Negotiate with the borrower and handle prepayment and loan extension according to the borrower's requirements;
(8) Issue a notice of repayment of principal and interest to the borrower for the due loan, and urge the borrower to repay;
(9) Send out overdue loan collection notice to collect overdue loan principal and interest;
(10) Collect relevant information and assist relevant departments in legal proceedings against borrowers who fail to repay the principal and interest on schedule;
(1 1) Establish and improve the loan quality preservation system, classify, register, evaluate and collect non-performing loans, and write off non-performing loans in time;
(12) Assist in the acceptance, discount and rediscount of commercial bills.
What is the job of the bank credit specialist?
Customer service work.
The credit specialist of the bank mainly carries out the work of announcing the types, term, interest rate and conditions of operating loans, providing consulting services, guiding the filling of loan applications and helping to handle loan applications, which belongs to the category of customer service. Help customers apply for loans and other businesses.
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.
Job content of loan salesman
Job description of loan salesman 1
1, pull customers. Explore potential customers through various exhibitions, keep close communication with customers, understand their financing needs, and actively provide financing solutions for customers.
2. Accept loan applications. Investigate the borrower before the loan to see if the borrower's information is complete and true. Responsible for signing loan contracts and guarantee contracts with customers on approved credit business;
3. sign the contract. Agree with the borrower on loan amount, term, repayment method, interest rate, etc. Both parties sign and seal the contract.
4. Loan issuance. Responsible for the issuance and recovery of loans and the timely recovery of interest;
5. Post-loan management. Look at the borrower's management, capital use, cash flow, etc.
6. Document management. Responsible for the basic work such as loan risk classification, statistical analysis and reporting of relevant credit statements, and collect and sort out the financial statements and related materials of corporate customers on a monthly basis.
Job description of loan salesman II
1, according to the actual work, at the beginning of each year to draft the annual work arrangement opinions in charge of the work.
2. Seriously sum up the work in charge every month and arrange the work for next month.
3. Summarize and analyze the deposit work every quarter, find out the problems, and put forward suggestions and measures to guide the deposit work in the whole jurisdiction.
4. According to the business analysis data provided by each post in this department, comprehensively draft the credit business operation analysis report every quarter.
5, responsible for drafting the semi-annual and annual work summary.
6. Organize credit work. First, do a good job in organizing and promoting credit; The second is to analyze the situation of credit work and study the credit work measures in different periods and stages; Third, popularize work experience and coordinate and solve problems in credit work.
7. Responsible for the construction of credit projects, establish and manage ledgers, strengthen supervision, promote and improve archives, and promote the construction of credit projects throughout the jurisdiction through effective organization.
8 responsible for the development of credit management system and operating procedures, and constantly strengthen the construction of internal control system, standardize the credit business behavior.
9. Participate in fund and plan management, cooperate with the manager to strengthen fund management, and study and formulate annual and various stages of business plans.
10, according to the arrangement of the manager, cooperate with the credit management post to do daily and temporary loan inspection.
1 1, responsible for business training and daily business guidance for credit work.
12. Be responsible for the registration and management of the daily attendance of this department, and master the whereabouts of the personnel of this department going to the countryside.
13, responsible for carrying out various comprehensive tasks arranged by superiors.
Job description of loan salesman 3
1. Build and maintain loan business channels, increase market share, and complete work objectives and plans.
2. Develop customers in the loan channel market, publicize the company's loan products, and collect loan demand information;
3. Collect customer data and business files, and complete sales business indicators;
4. Implement the sales and marketing plan; Timely feedback market dynamics.
5. Accept the customer's consultation, understand the customer's loan demand, and be familiar with the bank's relevant personal loan policies;
6. Responsible for maintaining customers and providing customers with high-quality services before, during and after lending;
7. Establish good working communication with the department manager, and timely feedback the problems in the work.
Job description of loan salesman 4
1) Develop markets, promote credit business and expand brand influence;
2) Cooperate with customers to complete their applications in stages and complete the performance standards issued by the company;
3) Be responsible for the guidance and data collection in the early stage of customer loan car purchase, and provide customers with all-round preliminary work of loan service (bank installment method, interest rate, service process, etc.). );
4) Be responsible for car purchase procedures by stages and on-site service;
5) Be familiar with the business situation of relevant units, grasp the market dynamics, and be familiar with relevant business processes and charging standards.
What does a credit expert do?
The credit specialist mainly inspects the strength of the individual or company that handles the loan, provides loan policy suggestions, and understands that the borrower fills in the loan application and helps to handle the loan application. Then there is to assist relevant personnel and departments to evaluate the credit rating of borrowers; Follow-up investigation and inspection of the borrower's execution of the contract and operation, etc.
The borrower must meet the requirements of the bank when handling the loan. Usually, the borrower 18 is over one year old and has full capacity for civil conduct. According to the loan type, the information submitted will be different.
After the borrower submits the materials, the bank will conduct an audit, and the bank will pay after the audit is passed. The borrower needs to repay the loan on time after the bank payment, and there should be no overdue repayment. There will be a penalty interest for overdue repayment. The longer the time, the more penalty interest, and the heavier the burden of subsequent repayment.
After loans overdue, the bank will upload it to the credit center, which will affect the handling of all kinds of loans after the personal credit becomes worse. If it is not repaid for a long time, the bank will lend at this time, and it is impossible to decide not to repay it after the judgment. In fact, the borrower had better measure his repayment ability before handling the loan, and then decide whether to borrow.
What does the company's credit specialist do and how to do it?
In fact, the credit specialist is the sales clerk of the company, and also wants to run the business for his own performance. However, there are many forms of business carried out by corporate credit experts, such as exhibition industry, and so on. They can distribute publicity materials indefinitely, sell them at meetings and advertise themselves in newspapers. The question is very suitable for choice, not subjective.
Extended data
The simple and popular understanding of loan is to borrow money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.