Model essay on personal work summary of loan salesman 1
65438+February 65438+May, I joined the branch of Information Consulting (Beijing) Co., Ltd.
Information Consulting (Beijing) Co., Ltd., as a well-known small and micro loan consulting service professional organization in China, is committed to providing fast and convenient financial services for urban and rural high-growth people, namely small and micro business owners, wage earners, college students and farmers. We have a senior expert management team from the financial services industry and the credit industry to recommend a wide range of loan funds for individual customers, formulate a reasonable and comprehensive financial planning, and tailor the best loan plan.
Time blows with the north wind, making leaves fall and people dance. As the north wind mottled the world, time passed quietly. Finally, after 20 years of 65438+1October 3 1, my work in CreditEase came to an end.
Looking back on the work of this month and a half, I was deeply touched and certainly gained a lot. After a month and a half of work and study, I still haven't done well enough, and there are still many shortcomings. However, under the careful care and guidance of the team manager and colleagues, through my unremitting efforts, I have a preliminary understanding of the company's business processes and risk management. I will summarize my internship experience from the following aspects.
I. Work experience
1, business operation process
Through training, I learned about the company's products, such as, and so on, as well as the suitable people and application conditions of each product. The company's products are mainly aimed at customer groups: small and medium-sized enterprises, individual industrial and commercial households, office workers and so on. As a newly established branch of the company, the current products are all credit products, that is, customers do not need mortgage and guarantee when applying for loans. As a new intern of account manager, it is necessary to be familiar with every step of business operation process. After the company's training, I also learned a lot. Its business process is mainly divided into three steps: customer consultation (or telemarketing by account manager), customer submission and account manager application. Each process is closely linked, and there are many marketing skills and places to grasp.
In the process of dealing with customers' inquiries, the account manager not only needs to be very familiar with the company's various products, but also needs to have the ability to improvise to deal with customers' sudden thorny problems. In the process of customer submitting materials, the account manager is also required to deeply understand each product of the company, which products the customer belongs to and what materials need to be prepared, which product the customer is more suitable to apply for and whether the materials prepared by the customer are complete when the application conditions of several products are met at the same time. These are all issues that account managers must pay attention to in this process. The application submitted by the account manager is the most important part of the business process. In this process, the account manager needs to verify the authenticity of customer information, and there must be no false information, otherwise even if the application is submitted, it will not pass, or even if the application is passed, it will bring the company the risk of overdue repayment of customers.
2. Risk control
For small loan companies, there are many risks, but in practice, the main risks we face are credit risk and operational risk. The main means for companies to control credit risk is to ask customers to provide personal credit reports or a company authorized by customers to inquire about their credit reports on their behalf. If the customer's credit history is overdue for more than 3 months or more, he can't apply for a loan. In addition, if the customer has applied for a loan before, but refuses the loan because the information is untrue, he can't apply for a loan from the company in the future.
In terms of operational risk control, the company's main control means mainly focus on the process from the customer's application for a loan to the company's loan and then to the customer's repayment. When a customer applies for a loan, he needs to provide relevant materials according to the requirements of the company, fill in the loan application form, and then the customer information will be reviewed by the account manager. The audit means is that the account manager will contact the family contact person, other contact person (friend or relative) and work contact person filled in the loan application form to audit the authenticity of the information provided by the customer from the side. After the account manager reviews, the team manager needs to review, and the final review is conducted by the customer service manager, which is a triple review of the loan application. Before lending, the company will also conduct an audit and refuse to lend if it is different from before. If the funding amount is high, the team manager needs to conduct on-the-spot credit investigation before the loan. Finally, in the risk control of customer repayment, the practice of small loan companies should be similar, that is, the repayment method of equal principal and interest every month should be adopted, and if customers fail to pay back after the deadline, they should be collected.
Through this one and a half months internship, I really learned a lot.
3. Develop business
The quality of customer resources determines the business structure, profitability and competitiveness of microfinance companies. Limited customer resources determine the fierce competition in the microfinance industry, so as an account manager, I also feel great work pressure. In fact, in the micro-loan industry, the exhibition channel has long been fixed. The traditional exhibition mode is to post advertisements, place orders, worship strangers, then customers recommended by previous customers, and then online publicity. At present, the traditional exhibition mode is still the most direct and effective way, while the customer's recommendation is slightly less, and online publicity is a lasting advertisement.
Although I will encounter all kinds of problems in the process of presentation, or I can handle them independently or need the help of team managers and colleagues, the process of solving problems is undoubtedly a process of learning and exercising my ability, as in any job.
Secondly, I have many shortcomings in my work.
1, the professional level needs to be improved
An obvious problem in my work is that my oral expression ability is still not professional enough. As an account manager, I will encounter various problems in the process of developing customers. In the process of talking with customers, the language must be accurate and professional, so that customers can feel that I am providing professional microfinance services for them, so that customers can trust me and become my real customers, and I can make better achievements.
2, the direction of the exhibition industry is biased, not enough reflection.
The direction of the exhibition industry determines the effect of the exhibition industry.
As the saying goes, birds of a feather flock together, which determines that different intervals represent different customer groups, that is, high-quality customer groups and ordinary customer groups. At the same time, not everyone will have a loan demand. Therefore, in the process of exhibition industry, we must learn to reflect on what interval the exhibition industry should use and what exhibition mode should be adopted in different intervals. Because my reflection is not strong enough and deep enough, I will always make the same mistake, which will eventually lead to less customer resources and more qualifications for ordinary customers.
If I want to get more returns and better performance in my future work, then I must learn to reflect on my past exhibition direction and take my colleagues with good performance as my reflection direction.
3. Self-restraint is not strong enough
No matter what you do in any industry, if you want to be an excellent employee, you must have strong self-discipline ability, know what you should and should not do, set a work goal for yourself at the same time, and then make a feasible and effective work plan. After you have a work goal and work plan, what you need is to work hard and strive to achieve the goal!
Success is watered by sweat, and there is always only one secret of success: hard work!
4. The degree of grasping the problem is not comprehensive enough.
Small loan industry is a risky industry, but as the staff of this industry, we should try our best to reduce its risks, so we will review all kinds of information provided by customers. Sometimes I can't think from multiple angles, and I can't find problems in customer information in time and tell customers to correct them.
In view of the above shortcomings and problems, I will continue to do well in my future work, and make up for my shortcomings and improve my ability through the following aspects:
(1) Make daily, monthly and annual work plans, continue to strengthen the study of the company's systems and businesses, sit down and have a comprehensive and in-depth understanding of the company's systems and businesses, and learn marketing methods and skills in depth.
(2) Improve your working ability with theory and practice in all directions. While paying attention to theoretical knowledge learning, pay close attention to practice, use what you have learned to guide practice in practice, and often consult teachers humbly. For the problems in the marketing process, we should learn to draw inferences from one case to the other, so as to cope with the constant changes.
(3) Cultivate your own decision-making ability and keen insight into things. On the premise of visiting customers many times, talking with customers and accumulating experience, we can deal with all kinds of unexpected problems quickly, accurately and timely. At the same time, pay more attention to current affairs policies, update brain information in time, cultivate your own insight, and implement it in your work to help you make correct and decisive judgments.
Third, sum up experience.
After working for a month and a half, I deeply realized the importance of meticulous work, because every detail will affect the risk of this loan. This internship will greatly promote my future life. Only by persisting in learning new knowledge can I improve myself even more, and there is such an atmosphere here.
At work, we must have a strong sense of responsibility, and the investigation of customer information should be targeted and authentic. At the same time, it is necessary to cultivate good work habits and good learning methods, learn from others with an open mind, and cultivate teamwork spirit with colleagues. Learn to arm yourself with professional knowledge, face work with professional attitude, inspire life with professional spirit and serve customers with professional quality.
No pains, no gains. No matter what occupation or work you are engaged in, you must adhere to the work attitude of "doing one line and loving one line" and treat your occupation with a sense of honor in order to make better achievements.
Model essay on personal work summary of loan salesman II
As the New Year bell approaches, we bid farewell to the New Year and warmly welcome the hopeful 20 15 year. By the end of this year, I will now report my work in the company for 9 months as follows:
1. Complete the export of 100p steel cylinder, 100p rainbow, 60p * * 9 1 container, 14 pallet 100p rainbow, 100 pallet 60p and/.
Mainly responsible for
1. After signing the contract, urge the customer to open a letter of credit and review it after receiving it. If there are any problems, inform them to make timely amendments.
2. According to the established shipping and related requirements, contact the cargo loan department to charter a ship and book a space.
3. After confirming the relevant shipping information with the customer, sort out the documents and go through wooden pallet fumigation. And prepare a fumigation certificate.
4. Coordinate the production department and arrange trailer delivery according to the different packaging requirements of customers.
5. Statistic relevant export data, make documents, and entrust export customs declaration.
6, according to the requirements of the letter of credit, make and prepare the corresponding export documents, go to the bank for payment against documents negotiation, and sometimes handle the draft.
7. Register related export materials, and provide packing pictures, box seal number, ship name and voyage data every week according to customer requirements.
8. Organize the filing materials and check the accounts of each sum with the bank at any time. And provide export information to the finance department every month.
This work is tedious and repetitive (almost once a week since July), which takes up nearly 80% of the energy.
Due to short working hours and lack of experience, I also made many mistakes:
1. The trailer was booked late, causing colleagues and workers to work overtime to load containers.
2. Cooperation and coordination with workshops and other departments are not good enough. There is an error in the packaging method of the envelope when typing, and the inspection is not done well.
3, the workshop overtime is not timely, often named by my uncle.
Through this period of hard work, my personal patience, careful degree and reasonable arrangement of work have been tempered, and I have learned to find order in the busy and hope in the crisis.
Second, contact with customers' daily emails.
Mainly responsible for contacting South Korea's bestselection Company about the details of goods exported to the United States, which are generally confirmed by mail. Including packaging, settlement, delivery date, product quality, wooden pallet dry humidity, Frankfurt booth, new samples and changes in related products. Most of them are assisted by Mr. Wang.
During this period, because of my business experience, I seldom make mistakes: I contact American customers directly when I encounter something urgent and misunderstand the meaning of Korean. As a result, the customer was misunderstood and Mr. Wang was in trouble.
Through this job, my original deficiencies in English writing and speaking have been greatly improved, and I have learned a lot of communication skills and business knowledge with customers. However, it is far from the standard of a successful international trade salesman. In the future work, we will pay more attention to and improve it.
Third, develop new products and prepare samples for customers.
Communicate the negotiation results (sometimes listening and recording), product requirements and changes between Mr. Wang and customers to the purchasing and production departments, and be responsible for supervising and reporting the work progress to the leaders at any time. According to the consultation between the two parties and customer requirements, prepare samples and send them to the United States or Korea. According to different requirements, provide customers with pictures, quotations, etc. , and confirm it repeatedly by email. Assist the sales department in sales work.
Arrange inventory samples and quote; Give it to B.S. to prepare the new samples brought back from Japan; Prepare American exhibition samples for Morris and quote.
Through the contact with this business, I have a further understanding of the company's products, but there is still a long way to go. This is a big drawback of salespeople. I hope the company can organize new employees to study and train regularly in the future, so as to work more smoothly.
Fourth, order the remote control from hankooksharp in Korea.
Urge Goodfella to produce and deliver as soon as possible; Book the boutique space of emicro, and contact the quality problem after receiving the goods. As the task of exporting American goods increased, it was later transferred to Xiao Bi.
5. Deal with daily work and obey the arrangement of company leaders.
Contact Frankfurt booth decoration and invitation letter processing; Prepare materials for the leaders to handle the relocation permit; Keep good relationship with motorcade, fumigation, goods loan, customs broker and express delivery. And settle fees with them regularly; Obey the daily work arranged by the leader; Assist the administration department to formulate departmental responsibilities; Contact copier maintenance, computer maintenance and other daily work.
Generally speaking, all the tasks assigned by the leaders have been successfully completed.
Looking forward to 20 years, I will work harder, treat every business seriously and responsibly, and strive to win opportunities to seek more customers, win more orders and improve the work of the import and export department. I believe I will complete new tasks and meet new challenges.
Model essay on personal work summary of loan salesman 3
Open up the market, pay close attention to production management internally, ensure quality, be market-oriented, face the challenge of this year's global financial crisis, seize the opportunity, and all the staff in the sales department work together. Qi Xin completed the sales task this year, and now the work this year is summarized as follows:
I. Annual sales situation
After our company's exhibitions in Beijing and Shanghai and the publicity of professional magazines such as HC and Discovery Resources, our brand products have gained a certain popularity, and customers at home and abroad have a certain understanding of our products. In 2008, the boss set a sales volume of 1 10,000 yuan for the sales department, and our sales department completed the total sales volume of 1 10,000 yuan for the whole year, with a production and sales rate of 95% and a payment recovery rate of 98%.
Two, strengthen business training, improve the overall quality.
The product sales department is responsible for the sales of all products of the company. It is conceivable that the responsibility is great and the task is arduous. It is very important to establish a high-quality sales team that can recruit good soldiers and complete the company's annual sales task. If a worker wants to do a good job, he must sharpen his tools first. In order to improve the comprehensive professional quality of sales staff, all employees in the sales department must carry out vocational skills training to further improve their sales knowledge. This year, the company added an online version of financial management software with a network speed of 3000, which can clearly reflect the sales and financial management in time.
Our sales staff are all trained by the Municipal Science and Technology Co., Ltd., and the professional knowledge and internal information of the company are confidential. Everyone should have professional ethics. The boss is the top leader who leads the sales department. He hopes to strengthen the supervision, criticism and professional guidance of our employees, so that our sales staff can learn more professional knowledge and improve their technical functions and self-appreciation ability. In 2006, I studied iso internal audit training and accounting professional knowledge training, and obtained a nationally recognized certificate. Over the past year, we have fully practiced the management knowledge and methods we have learned in the company's production management, and the display effect is satisfactory.
Third, build a marketing network and cultivate a sales model.
Microphone line sales are the focus of our product sales department, and the sales situation will directly affect the company's economic benefits. Over the past year, the product sales department has persisted in consolidating the old market, cultivating new markets, opening up market space, tapping potential markets, and using our company's brand reputation to drive product sales, thus building a sales network pattern with local as the main body and the whole province radiating the whole country.
Fourth, pay attention to industry trends and grasp market information.
With the increasingly fierce market competition among electronic products industries, information plays an increasingly important role in the marketing process, and information is benefit. The sales department pays close attention to market trends, grasps business opportunities, demands benefits from information, and institutionalizes, standardizes and regularizes market research and information collection, analysis and collation. The product sales department has established a stable and reliable information channel through market research, business negotiations, newspapers and magazines, industry associations, computer networks, etc., and paid close attention to the development trend of the industry; Establish customer files and manufacturer files, and strive to collect basic information; According to the market situation, actively send business personnel to track and master the dynamics of the domestic sales market.
Verb (abbreviation of verb) make persistent efforts to meet new challenges.
Model essay on personal work summary of loan salesman 4
A few years have passed. Looking back on the past year's work, although the contribution to the company is meager, it has finally taken the first step of new regional and cross-industry development. Through studying and communicating with other employees, I gradually integrated into this group. When I first came to our company, I was really at a loss because of the different industries and the nature of my work. Fortunately, with the help of my colleagues, I got familiar with the office work as quickly as possible, and I also had a certain understanding of the market operation process. In this short period of more than two months, by visiting a certain number of customers and recovering the payment, I got enough knowledge and understanding of this industry and laid the foundation for the later office work.
This year's work is summarized as follows
1, ideological and political performance, moral quality cultivation, work mentality.
I am law-abiding, love my job, have a strong sense of responsibility and dedication, take the initiative to study professional knowledge seriously, have a correct working attitude and be serious and responsible.
2. Professional knowledge, working ability and specific work.
/kloc-came to work in the company from October to October, and served as office logistics and business work in the system integration department of the company, assisting the department manager to do some trivial work. In order to work better, I asked the leaders, learned from my colleagues, and explored my own practices. In a short time, I sorted out the work of the department, became familiar with the business process, defined the work process and direction, improved my working ability, and formed a clear working idea in specific work. After coming to the company, with the goal of "doing better", I cultivated the sense of innovation, actively and successfully completed all the work assigned by the leaders, and communicated with some governments, network departments, procurement departments and major decision makers in the remaining time to search for engineering information, laying a good foundation for the next work.
3. Seriously, timely and efficiently complete other tasks assigned by company leaders and department managers.
For the smooth progress of the company's work and the coordination between departments, in addition to doing their own jobs, actively cooperate with other colleagues to do their own jobs.
4. Work attitude and diligence. Love my job, be able to treat every job correctly and seriously, devote myself to my work, serve everyone enthusiastically, observe labor discipline seriously, ensure attendance on time and stick to my post.
5, work quality achievements, benefits and contributions. Make a personal work plan before starting work, give priority to completing all work in time, achieve the expected effect, and complete the work with good quality and quantity. At the same time, I also learned a lot at work and exercised myself. Through unremitting efforts, my work level has made great progress.
Summing up this year's work, although there has been some progress, there are still shortcomings in many aspects. For example, there are not many creative work ideas, individual work is not perfect enough, and there is too little information about business customers, which needs to be improved in future work. In the new year, I will seriously study various policies and regulations, strive to raise the work efficiency to a new level in an all-round way, and make greater and more contributions to the development of the company.
Related articles of salesman's work summary:
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3. Five selected annual work summaries of salesmen.
4. Five selected articles of the annual work summary of the old salesman 20 19.
5.20 19 Annual Work Summary, Sales Representative, 4 reports.