This job is ok. The job of credit specialist will be difficult at first, but if it can be honed and persisted in the early stage, it will be of great help to personal ability, contacts and development, and bring considerable benefits to the company.
Bank loan officers have strict performance appraisal. Those with good performance can be promoted, those with poor performance will be demoted, and some even terminate their labor contracts because of poor performance. Therefore, some loan officers often ask for job-hopping and go to teller positions because they can't bear the performance pressure.
Loan officers not only lend money, but also undertake intermediary business such as customer deposits and loans to maintain customer relations. They should have strong public relations ability and systematic marketing strategy, and have a strong sense of service, and can actively mobilize the resources of commercial banks to provide customers with all-round and integrated services.
Extended data
Skills of being a loan officer
The conventional exhibition methods of loan officers include telemarketing, sending orders, inserting cars, strangers, etc. However, if you want to have more customers, just using these methods is not enough. You must find ways to continuously expand your contacts and information sources.
The most taboo to do credit is "house". I suggest you go out to participate in some activities outside the industry when you are free. Such as playing ball games, getting together with old friends, joining various societies and clubs, etc. Through these activities, you can make many friends. Although these friends are not very helpful to our work at ordinary times, once there is a loan demand, they will think of you for the first time and bring you a lot of economic benefits.
Do you make money as a loan salesman in Beijing?
Not bad. The loan company salesman is mainly responsible for:
1. Be responsible for the pre-loan investigation on the compliance, legality, safety and effectiveness of the loans of borrowers and guarantors. According to the survey results, write a feasibility analysis report.
2, responsible for the borrower's credit information, borrowers and guarantors, business policy, credit policy, credit risk review.
3. Be responsible for inquiring and reporting the borrower's credit information and checking the validity of the borrower's loan card.
4. Be responsible for keeping the borrower's IOUs, collateral and various credit registers.
5. Be responsible for timely issuing collection notices for overdue loans, and do a good job in the collection of loan principal and interest.
6. In daily management, major issues that have a great impact on loan safety should be reported to the superior bank in a timely manner.
7. Be responsible for loan issuance, specifically contact the borrower, understand the customer information, and supervise and inspect the loan issuance and guarantor.
Housing loans of loan companies:
1 Personal housing commercial loan Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank with the purchased property right housing as the guarantee for repayment of the loan when purchasing the urban self-occupied housing in this city.
2. Personal housing provident fund loans Personal housing provident fund loans are entrusted loans issued by policy-based housing provident fund, which refers to the housing provident fund loans that employees who pay housing provident fund apply to banks for when they buy, build, renovate or overhaul their own houses in cities and towns in this city, with their own property houses as collateral and as loan repayment guarantee.
3. Personal housing portfolio loan A borrower who meets the requirements for personal housing commercial loans can apply for personal housing provident fund loans from the bank while paying the housing provident fund, that is, the borrower can apply for personal housing provident fund loans and personal housing commercial loans from the bank with the purchased urban self-occupied housing as collateral.
Is it easy to be a loan intermediary salesman?
It is not difficult to be a loan intermediary, anyone can do it. It's a bit difficult to be a good loan intermediary. You need to be familiar with the loan products of almost all banks.
How about a loan?
The work is as follows:
Overall, the performance pressure is relatively high.
Working in a loan company, I am mainly responsible for the marketing of loan business, grasping the potential customers to promote the company's credit products, doing business positioning and customer questions and answers in my daily work, handling the reception of various businesses for customers and solving various problems encountered by customers in the process of handling business.
At work, we must conduct an all-round audit of loan customers and be familiar with the information of borrowers and guarantors. This job requires not only strong communication skills, but also strong judgment. Actually, this job is more like a salesman. The incumbent should have strong endurance and pressure resistance, do more business, take more orders, get more commission and earn more money.
Introduction:
Loan (electronic IOU credit loan) is simply understood as borrowing 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.