In 2023, the model of personal work plan for account managers is 1 20xx, which is extraordinary for both the company and itself. There are two reasons. First, from the big objective situation, xx issued a very strict assessment task, so the assessment task, especially the credit assessment indicators issued by the credit cooperatives to XX credit cooperatives, is also very strict. Secondly, from my own point of view, I transferred myself to be an account manager and faced new problems and pressures. In any case, under the guidance and instructions of the two directors of this agency, with the help of my colleagues, I will study with an open mind, make positive progress, bravely face difficulties and pressures, take practical actions as a unit, and do my best to successfully complete various credit assessment indicators, laying a solid foundation for future work. The specific work plan is as follows, please review it, and if there is anything wrong, please criticize and correct me.
First, actively study and enter the work role as soon as possible.
Facing the new position of account manager, realistically speaking, there is still a great lack of ideological understanding, business knowledge and working methods, which is a great obstacle to engaging in the position of account manager. Therefore, in order to quickly adapt to this new position, do a good job and make achievements, we must actively learn all kinds of business knowledge, skills and working methods related to credit work. The first way of learning is related books and materials. Second, ask for instructions and suggestions from the two directors, report frequently and communicate more. At the same time, learn from the other two account managers with an open mind, and often communicate with customers to understand the situation. Take these measures to improve your working ability quickly.
Second, raise awareness and actively market loans and deposits.
First, according to my experience in recent years, I feel that as an account manager, I can't just sit in the office and wait for business, customers and deposits. I also need to realize that with the entry of CCB and Ningxia Bank into Yanchi, loans will need to be vigorously marketed in the future. Therefore, we should break the previous thinking of "waiting", actively establish the consciousness of "going out", go out of the office and investigate the market and customers.
Second, "going out" is also of great benefit to deposit marketing. We can lower ourselves, improve our service and publicity awareness, go to the market, go to customers, find quality customers, publicize our financial policies and service methods, let customers fully understand the benefits of some financial services and attract customers to deposit in our company.
Third, improve the "joining rate" of loan customers' funds. Through active communication with loan customers, especially large loan customers, we will try our best to make loan customers' turnover and operating funds access, turnover and deposit in our company, so that these customers can really play an active role in the stability and growth of our deposits.
Three, diligent investigation, to ensure the quality of new loans.
Objectively speaking, the income from loan business is the main source of income for the Bank. To increase income, we must increase the scale, but there is an essential premise, that is, while increasing the scale, we must ensure the quality of loans, especially the quality of new loans, which is the "lifeline" for the healthy and steady development of our society. Therefore, in the future loan process, we should pay attention to investigation, strictly select loan customers and guarantors, and give priority to loans (pledges) when conditions permit. At the same time, I do a good job in the pre-loan investigation, in-loan examination and post-loan inspection of each loan. I have done the "three inspections" of each loan in detail, not just in form and surface, to ensure that each loan is rewarding and profitable under normal circumstances. Fourth, try our best to actively recover non-performing loans. While ensuring the quality of new loans, we should do a good job in the collection of existing non-performing loans, abandon the wrong consciousness of "new officials ignore old debts" with practical actions, regard the resolution and control of non-performing loans as a long-term work, consult leaders and experienced colleagues, seek countermeasures, strengthen communication with loan parties and guarantors, and think about problems and problems from the perspective of the parties.
Model essay on personal work plan of account manager in 2023: 2 1. Develop banking business (proactively). This is the main responsibility of the account manager. Vigorously tap high-quality new customers; Develop new business in all directions; Constantly create customer needs and put forward product innovation ideas.
2. Strengthen the existing customer relationship. Maintaining the service of existing customers is an important responsibility of the account manager. Vigorously promote business, advocate joint promotion and cross-selling, and provide customers with a package of services; Seriously solve customers' difficult problems and handle customer complaints; Do everything possible to improve service quality and provide quality services to customers; Vigorously carry out various charging services and strive to increase the proportion of non-interest income.
3. Accept the customer's credit application. On the basis of careful investigation and analysis, the account manager should put forward a credit investigation report with true customers, complete information, accurate analysis and clear views, and send it to the credit management department at the same level for review.
4. Participate in the examination and approval. Most account managers are members of the credit committee and directly participate in the examination and approval.
5. Do a good job in post-loan monitoring. Strengthen the daily work monitoring and risk management of credit customers, find bad debt signals as soon as possible and take immediate action to compensate.
6. Collect feedback information. Timely and accurately collect all kinds of information and intelligence materials such as customer operations, customer opinions, industry trends, competitor intelligence, etc., and report to relevant departments in order to take countermeasures, seize business opportunities and promote business development.
Model essay on personal work plan of account manager in 2023 1. How to do a good job in daily work
(1), perfect work plan. An orderly work plan is the first step for a smooth work. At the end of each working day, you should be fully prepared for the next day's work. For example: ask your partner in advance, understand each other's plans, and arrange the propaganda and inspection route reasonably; When there is an investigation plan, the customer should be informed of the time and place, and materials need to be prepared to complete the investigation quickly and effectively; When you have a visit plan, you should inform the key people in advance and prepare gifts.
(2) Efficient work efficiency. Make a simple schedule for yourself every day. For example, at noon, customers are invited to sign a loan, in the afternoon, publicity, post-loan inspection and overdue collection are done, and in the evening, investigation reports, system entry and file arrangement are made. Stick to what you can do today at work, never put off what you can investigate today until tomorrow, you can publicize more and visit your family more.
(3) Down-to-earth working attitude. A down-to-earth work attitude is not only responsible for the unit, but also for yourself and your family. At work, we should abandon the idea of "working for the leadership", change from the tenant's mentality to the owner's mentality, and change from asking me to work to working. Only by keeping a down-to-earth working attitude can we really enjoy the working process and achieve a win-win situation for both individuals and units!
(4) Close cooperation between front and back office. Lack of team spirit in any work will definitely affect the business development of the whole unit. At present, there is a phenomenon of "sweeping snow in front of the door" in my unit. I think there are two reasons for this phenomenon: one is the mentality of employees, and the other is the decision of management. For example, in the process of lending, the efficiency of examination and approval is low, and the role of each position cannot be effectively played. I think that under the condition of ensuring the separation of examination and loan, each post should perform its own duties and be closely linked. In employing people, we should do our best to make the workflow run efficiently.
Second, how to make good use of the database
The premise of making good use of the database is to establish a complete and practical information base. At present, the content of information collection is too simple, and only the basic information such as customer name, telephone number and business content is a mere formality in the process of entering the database. I think in the process of information collection, we should try our best to capture the comprehensive information of customers and subdivide them. According to the customer's attitude towards loan officers, it can be divided into: conflict type, neutral type and positive type. Make different comments for different types of customers, especially those who actively cooperate and are interested in the publicity process must make a second return visit or call back.
At present, there are some unreasonable places in the database template of provincial banks, and loan officers can make appropriate deletions and additions according to their own working methods to ensure the authenticity and effectiveness of the data. In the use of the database, we should subdivide it according to the law of the industry, and choose the industries with strong capital demand in different periods to carry out targeted publicity and marketing, so as to be targeted.
Third, how to do a good job of publicity in the next two months?
According to the working idea of "consumption before operation" of the provincial bank next year, while actively promoting the microfinance business, we will focus on promoting consumer loans. Grasping the key points in the publicity process, there are 2-3 schools in each township, which can be contacted by key people. Our bank's consumer loans can be publicized to all faculty members when the school holds a general meeting. At the same time, we can cross-market our credit card group business with retail account managers. In the process of visiting the school, we must distribute our gifts to close the distance with our customers. When it is difficult to find key people, we can refer to the guarantor information of our re-employment loan file through acquaintances, most of whom are teachers in various towns and villages, which can be used as a breakthrough. In the course of other loan publicity, the bank account manager's work plan makes full use of the database according to the characteristics of the industry cycle, identifies the target industry for targeted publicity, pays attention to marketing skills in the publicity process, and highlights the advantages of our loan products in the same industry.
Fourth, how to eliminate blank villages and blank units?
There may be three reasons for the emergence of blank villages and blank units: first, the publicity is not in place; Second, there are customers in the region but no prospective customers; Third, the same industry is preconceived to seize the market. According to different situations, different strategies should be formulated. For the first kind, we can increase publicity and spread publicity. In view of the second situation, we should formulate feasible marketing strategies, cultivate customer habits and turn an ordinary customer into our prospective customer; In the third case, we can find key people in the 1-2 area, establish good personal relationships with them, generate trust, change customers' mentality, and then develop our business. It is difficult to eliminate blank units and blank villages, and it also requires a persistent attitude of loan officers.
5. How to reserve the target customers in January?
Different customers have different requirements for loans. Operating loan funds have a short turnover cycle and high requirements for loans, which are generally difficult to reserve. Consumer loans, on the other hand, require relatively low efficiency, so it is easier for customers to accept a certain term. Due to the limit of quota, the target customers of January reserve are mainly consumers. In the next work, we will focus on promoting enterprises and institutions, with the help of friends and relatives, expand the visibility of our loans, and create a good corporate image and social reputation.
Model essay on personal work plan of account manager in 2023. 1. Strengthen customer management and optimize service process.
1. Institutionalize customer visits, strengthen communication and promote * * * to win.
The purpose of establishing customer visiting system is to further strengthen communication with customers, provide better service for customers and show the new image and high-level service level of postal department to the society. In order to make the visit work practical and not a mere formality, this work will be included in the service specification as a system next year. When visiting a customer, the visitor should fill in the customer visit log in detail, and submit it to the person in charge at the end of each month to verify the handling situation and fill in the comments. During the visit, we should pay attention to face-to-face communication with customers, actively listen to customers' opinions and suggestions, grasp the new orientation of customers' needs, effectively collect materials and basis for improving services for the next marketing, obtain first-hand information, enhance the pertinence of marketing and improve the marketing effect.
2. Actively implement the account manager system and standardize the management process of key account development.
In the past year, I encountered some problems in the process of visiting customers. For example, due to the lack of communication and exchange between visitors, the overlapping of interviewees, the handling of customers' difficult problems and suggestions has not been well supervised, and so on. To this end, the visiting supervision system is implemented, that is, the principle of "whoever visits is supervised" is followed. If there are questions that cannot be answered on the spot due to objective reasons, or questions that do not fall within the scope of the department's responsibilities, they should explain the reasons to customers, and record in detail the information of visiting users, the difficulties in using emails and the opinions and suggestions put forward by the other party, and send them to relevant professional bureaus for handling, coordination and supervision, and then inform customers of the handling results afterwards; Responsible for collecting and sorting out record forms, reporting the results of visits to relevant leaders in the form of reports every quarter, sorting out recent visits, and analyzing and commenting on the results of customer suggestions.
3. Implement hierarchical management for major customers and develop a unified version of customer relationship management system.
In order to continuously deepen and optimize the service quality, the key customer center will improve and improve the service quality from all aspects to meet the requirements of key customers. First of all, the account manager responsibility system is implemented, and the hierarchical management system is implemented for large customers, emphasizing the timeliness and timeliness of service, and ensuring the smooth progress of customer service through institutionalization. At the same time, develop a unified version of the customer relationship management system, pay attention to the enterprise and customer dynamics when visiting customers, understand the new trends in the new year, collect information, ensure that the files of major customers are updated from time to time, and obtain first-hand information for the next marketing step, thus enhancing marketing pertinence and improving marketing effect, helping to improve operating efficiency, reduce operating costs, minimize internal friction, and realize the enjoyment of customer resources.
Second, there is no end to learning, and comprehensively improve the comprehensive quality of account managers.
The account manager is the bridge and link between the enterprise and the customer. Whether the account manager can provide customers with standardized, personalized and value-added services directly affects the "trust, satisfaction and loyalty" of customers to the enterprise. The key account center will seize the opportunity, create conditions and devote itself to improving the overall quality of account managers.
1. Strengthen postal business study and improve professional quality.
As an account manager, you should first have a deep understanding of postal services. The key customer center will regularly organize postal business study, aiming to become a marketing expert who can accept the company's instructions to negotiate with key customers at any time, actively participate in business lectures of various professional bureaus, maintain high communication with various professional bureaus, and continuously improve their business quality.
2. Beautify words and deeds and enhance the image of the account manager.
Account managers should not only have a strong sense of professionalism, high sense of responsibility and noble professional ethics, but also represent the overall image of postal enterprises. Work efficiency, service quality and personal quality directly affect customers' cognition of postal enterprises. Therefore, in the new year, we will systematically improve the business etiquette and communication skills of account managers, further beautify their words and deeds, and enhance their image, which will help win customers' goodwill towards postal enterprises, thus contributing to the smooth development of marketing work.
3. Enrich the marketing knowledge system and improve the marketing level.
In order to further improve the marketing level, the key customer center will create conditions to acquire the knowledge and skills of specialized sales processes through distance training and excellent marketing books, enrich the marketing knowledge system, enhance the ability to visit and serve customers, and enhance work confidence and customer service satisfaction.
As an account manager, if there is no work plan and basic goals, you will never reach the other side of victory. Everyone and every career should have basic goals, work plans and winning beliefs, while many people often spend a lot of time talking, and the goals are vague. Now it is necessary to make a specific work plan for the work in 20XX years.
A successful salesperson introduced his own experience and said: My secret is to stick the target list on the bedside, and record today's completion and tomorrow's target when I get up and go to bed every day to remind myself to work hard for the goal. This shows that "where there is a will, there is a way". As long as you are willing to work hard, any account manager's plans and goals can be achieved through hard work.
In 20XX, I made the following plans:
1. More than X new customers should be added every week, and there should be X to X potential customers.
2, weekly summary, big knot once a month, see what mistakes in the work, timely correct next time.
Before meeting the customer, you should know more about the customer's status and needs, and then make full preparations, so that you may not lose this customer.
There should be no customer's concealment and deception, so there will be no loyal customers. You always communicate with your customers on some issues.
We should constantly strengthen our business study, read more books, consult relevant information on the Internet, communicate with our peers and learn better methods and means from them.
6. Work attitude towards all customers should be the same, but don't be too modest. Make a good impression on customers and establish a better image for the company.
7. Customers can't ignore problems. They must try their best to help them solve these problems. In doing business, we must be a man first, and let customers believe in our work strength, so as to better complete the task.
8. Self-confidence is very important. Always say to yourself, you are, you are unique. Only a healthy, optimistic and enterprising work attitude can better accomplish the task.
9, and other employees of the company should have good communication, team consciousness, more exchanges and discussions, in order to continuously improve business skills.
The above is my work plan for this year. There will always be all kinds of difficulties in work. I will ask for instructions from the leaders and discuss with my colleagues to work together to overcome it. Make your own contribution to the company. But in reality, I still have many shortcomings to solve. I believe I can have a better development, but the prospect is the most important thing. I believe I can do it, which is what I should do. In the future, I will go further, because my life journey has just begun, and I believe I will do better!
2023 Account Manager Personal Work Plan Model Article 6 Account Manager is the bridge and link between enterprise and customer. Whether the account manager can provide customers with standardized, personalized and value-added services directly affects customers' "trust, satisfaction and loyalty" to the enterprise. The key account center will seize the opportunity, create conditions and devote itself to improving the overall quality of account managers. The work plan of 20XX is as follows:
First, strengthen business learning and improve business quality.
As an account manager, you should first have a deep understanding of the company's business. The key customer center will organize business study regularly, with the goal of becoming a marketing expert who can accept the company's instructions to negotiate with key customers at any time, actively participate in business lectures of various professional bureaus, maintain high communication with various professional bureaus, and continuously improve their business quality.
Second, beautify words and deeds and enhance the image of account managers.
Account managers should not only have a strong sense of professionalism, high sense of responsibility and noble professional ethics, but also represent the overall image of the enterprise. Work efficiency, service quality and personal quality directly affect customers' cognition of the enterprise. To this end, in the new year, we will systematically improve the business etiquette and communication skills of account managers, further beautify their words and deeds, and enhance their image, which will help win customers' goodwill towards the enterprise, thus contributing to the smooth development of marketing work.
Third, enrich the marketing knowledge system and improve the marketing level.
In order to further improve the marketing level, the key customer center will create conditions to acquire professional sales process knowledge and skills through remote training and excellent marketing books, enrich the marketing knowledge system, enhance the ability to visit and serve customers, and enhance work confidence and customer service satisfaction.
Through the study, the purpose is to have a comprehensive understanding of the business, have a deeper understanding of marketing and key account management, cultivate account managers' awareness of service marketing, broaden their careers and raise their awareness, so that account managers can realize that marketing should not only satisfy customers through quality services, but also cultivate customer loyalty through active and effective customer relationship management, and master the methods and skills to cultivate customer loyalty, so as to lay a solid foundation for future work.
Model Personal Work Plan for Account Managers in 2023 Article 7 Work Objectives for this month
1, with a loan of 800,000 yuan and an income of 40,000 yuan;
2. Focus on mortgage and corporate loan customers and accumulate corporate loan customers;
3. Keep a normal mind every day, and don't change because the customer is rejected.
4. Work actively every day and finish the daily work goal on time.
Daily work arrangement
1: Make daily work flow chart, actively collect information and summarize it in time.
2. At least 300 calls a day, and 2 intended customers;
2. Track interested customers, maintain customer relationships, and constantly develop new customers.
3. Try to do everything well and stick to it.
One-day work arrangement
1: Morning meeting
Step 2 track customers
3. Make phone calls, 300 times a day.
4. If you have the opportunity to go out and take action (call)
5. Customer analysis and summary
Work plan should be strictly implemented, always remind yourself that I can't work in the same way every day, but at least the worksheet can let you grasp the main work; Work hard and actively every day; Don't be disappointed by rejected customers, actively seek customers, dig deep into each customer, grasp the risks of each customer, and maintain the relationship between customers; Know your own conditions, be familiar with business processes, open up more business channels, strive for more achievements and improve business development. I will accomplish my goal.
2023 Model Account Manager's Personal Work Plan Article 8 The work of a securities account manager is not a one-off event, but a long-term work, which requires enough patience, serious work at ordinary times and frank communication with customers. In order to carry out the work purposefully and effectively in 20XX and achieve better results, the following plans are formulated:
First, go to work with "love"
1, go to work with a "love". Insist on being polite to others, from the perspective of serving others, let customers feel that you really care about him, shorten the distance between brokers and customers, and form a correct guide to customers' thoughts;
2. Do a good job in publicity, strictly implement the company's service standards, and do a good job in telephone consultation and account opening for new customers. Contact customers regularly and do a good job in customer maintenance;
3. Do a good job of communication and reporting. There are no small things at work. Record important matters and convey them to the relevant responsible personnel of the company to avoid omission or delay.
Second, their own quality.
While working hard, I will also try to improve my quality. Constantly improve professional ethics, master securities business rules, expand securities knowledge and improve their own securities business level.
1, learn more advanced securities business theory, learn valuable experience from company colleagues and learn professional knowledge;
2. Think more to build a good customer relationship. Only by having a good relationship with customers can securities brokers complete their tasks better and deeper.
3. Reflect more and summarize more. Self-reflection is the basic way to improve professional quality. For the success or failure of self-operated securities business, we should summarize it in time and accumulate experience for future work. So as to constantly improve and surpass themselves;
In the days to come. I will forge ahead and innovate, strive to complete the work and tasks assigned by the company and strive for greater improvement! I hope the company leaders and colleagues will help and correct me a lot.
Third, the most important point is the incentive system.
It is also a family business and a system of "doing things for yourself". Why do some do well and some do poorly? Guo Fansheng believes that the family business system mainly includes two aspects. One is the incentive system, which embodies the distribution rules of wealth. In economics, it is a question of "for whom". If the incentive system is done well, people will be willing to work hard. The second is the management system, which mainly solves the problems of "what to produce" and "how to produce" and embodies the efficiency rules of wealth production.
The core of incentive system is to mobilize people's enthusiasm, and the core of management system is to make the motivation of incentive system mobilization scientific and efficient. Without a reasonable incentive system, no matter how good the management system is, it is meaningless. Only with a good incentive system and an unscientific management system, it is difficult for an enterprise to succeed. The incentive system encourages people to work hard and inspire good things in people's hearts, mainly for great people. It makes great people work harder, more creatively and more independently. The management system is based on the assumption that people are selfish. From the perspective of managing "bad guys", bad guys can't do bad things and are forced to keep doing good things. In the long run, they will turn bad guys into good people. While controlling the bad guys, let the good guys not do bad things under the temptation of interests and become better people. Therefore, the incentive system increases the number of good people, and the management system reduces the number of bad people.
If everything is as mentioned above, I believe there is nothing wrong with the job. There are no unfinished tasks.