The personal credit department is responsible for the approval of personal loan business. The personal credit department generally refers to the department of commercial banks responsible for reviewing the personal loan business relationship. According to the business authorization, the personal credit department of individual banks has the direct approval right of loans. For example, individual rural commercial banks, individual joint-stock commercial banks and provincial branch-level personal credit departments of state-owned commercial banks all have approval authority. The personal credit department of grass-roots banks is only responsible for business review.
2. What are the responsibilities of each post in the Bank Credit Department, and what is the main job of each post?
In the early stage, the account manager accompanied the customer to solve the pre-loan problem, and the risk was controllable, and provided information to the customer when the bank policy allowed.
In the medium term, the credit manager reviews the authenticity, feasibility and risk estimation.
In the middle and later period, the evaluation department will further review the authenticity, feasibility and risk coefficient. The loan department has complete audit materials and perfect laws to control the risks and costs within the bank.
After the loan, the account manager follows up the customer's situation, grasps the risk change, and the credit manager evaluates and manages the post-loan risk.
3. What are the duties of bank loan officers?
The work mainly includes: (1) announcing the types, terms, interest rates and conditions of loans operated, and providing suggestions to 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.