Summary of loan officer's work 1 1. Change ideas and dare to meet the challenges of new posts.
How to develop China's credit business to cope with a brand-new post is an urgent problem for me to solve. Savings tellers are basically counter marketing, and loan officers need to publicize credit information in time, go to customers' homes, learn about customers' basic situation and business information on the spot, investigate and master customers' loan purposes and repayment willingness, and analyze customers' repayment potential. According to the characteristics of the new post, I framed five working ideas: learning and mastering credit information in time; Analyze the target customer base; Timely door-to-door publicity to selected target customers; Do a good job of pre-lending, mid-lending and post-lending; Ensure that the repayment period is tracked ahead. Through a period of hard work, my business has gradually become familiar. The speed of handling business is the fastest in the whole bank, and there are more and more customer groups. Credit business has embarked on the road of rapid development.
Second, strengthen study and strive to improve personal quality.
I am well aware of the importance of learning. Since joining the work, in my spare time, I have applied for the door industry examination of the banking industry in time. At the same time of self-improvement, it also helps new employees to quickly enter the working state, patiently coach, and promote new lenders to adapt to new positions better and faster.
Third, overcoming difficulties and daring to suffer hardships can ensure the all-round development of credit business.
How to integrate postal savings micro-loans into the local economy has become an important breakthrough in the credit work of sub-branches. Industrial and commercial households, farmers and growers are the main customer groups of our credit. Personality is that farmers and growers are mostly in remote rural areas with inconvenient transportation. In some places, it takes several hours to walk. In some places, the environment is so bad that our feet are worn out and our legs can't walk. We gritted our teeth and persisted.
Fourth, observing various systems can effectively promote business development.
Speaking of work experience, I think a good personality is an important prerequisite for doing a good job in credit. If you are honest, customers can truly trust you and avoid risks better. In handling business, customers often bring gifts, but we all refuse them one by one. It is our mission to do a good job in customer service. Only honest, efficient and honest work can effectively promote business development and gradually increase the number of customers.
Half a year's credit work has made some achievements, but I deeply feel that my work cannot be separated from the care and support of the leaders and the credit department team; I am convinced that with the joint efforts of all credit personnel, our credit business will develop at a high speed and create brilliant achievements!
Summary of loan officer's work 2 With the end of XX approaching quietly, I have been working for one year, from being unfamiliar with the work at first, to successfully passing the internship, and finally starting to be a formal loan officer in the bank.
Looking back on this year's work, with the care of the bank leaders and the help of all my colleagues, I earnestly studied my business knowledge and skills, actively performed my duties, successfully completed my personal work tasks, and improved my ideological consciousness, professional quality, operational skills and quality service to a certain extent. Now let me sum up the experience and experience of this year.
First, the canal is required to be so clear, because there is running water at the source.
No matter what occupation you are engaged in, you need to keep learning and get fresh "source water" in thought, culture and business. Only in this way can they make continuous progress and keep clear water. Facing the position of loan officer, I was a little timid at first. It is difficult for me to go to a customer's home every three days to learn about the basic situation and business information of the customer, investigate and master the loan purpose and repayment willingness of the customer, and analyze the repayment ability of the customer. At first, I kept thinking, I made a mistake in my analysis. What should I do if I throw the money out? Therefore, when I go out to investigate with experienced seniors, I always pay special attention to their analysis of problems, distinguish the true and false information, exchange doubts with them, and think and summarize by myself after getting careful answers. Learning in practice has given me a new understanding of credit work and increased my confidence. At the same time, I deeply feel my own shortcomings in this respect. It is not enough to learn from practice, but also to supplement your theoretical knowledge. So I actively use my spare time to strengthen the study of financial theory and business knowledge, and constantly enrich myself. Actively participate in all kinds of training provided by banks, integrate all kinds of learning materials issued by banks, apply what they have learned, read financial books in their spare time and refer to successful credit cases. Through practical experience accumulation, professional training and self-study, I gradually mastered the loan business and operation process. Professional work ability, comprehensive analysis ability, coordination ability and written language expression ability have been greatly improved.
Second, based on their own progress, and strive to water the flowers of credit.
I love my job. I can take every task seriously and reflect the country's financial policy flexibly in my work. Seriously abide by the rules and regulations, be able to complete the tasks assigned by the leaders in time and actively carry out business. Looking back on this year, our efforts have finally brought gratifying results.
1, unite and observe discipline, and do our best to improve operating efficiency. Over the past year, I have United my colleagues, obeyed the arrangement of the leaders, and actively done my job.
2. Strengthen awareness and actively market loans. After coming into contact with the credit work, I constantly strengthened the awareness of loan marketing, broke away from the idea of "being afraid of loans", looked for borrowers with good benefits, actively conducted market research on borrowers on the premise of ensuring the quality of credit assets, and gave credit support to individual industrial and commercial households with market and credit.
3. Adhere to the principle of credit and do a good job in credit investigation.
I know that the quality of credit assets is related to our business development plan, and the responsibility is more important than Mount Tai, so we can't be careless at all. Over the past year, a careful investigation has been made on every loan, from the borrower's subject qualification, credit status, current situation and prospect of production and operation projects, repayment ability, to the guarantor's qualification and guarantee ability, and the legal effect of mortgage and pledge; From inventory inspection, current account use inspection to on-site inspection of houses and equipment; From the calculation of assets and liabilities, the analysis of production, sales and profits to the study of net cash flow of operating projects, the determination of loan risks, and the reasons for lending and not lending, I have carefully investigated every link without any slack. In the pre-loan investigation, I achieved the "three musts", that is, the loan conditions must conform to the policy, the loan documents must be legal originals, the lenders and guarantors must be present to verify and sign, and strangers should be regarded as acquaintances, thus ensuring the compliance and legality of loan issuance.
4. Strengthen management and strive to recover all loans.
Supervise farmers to receive loans, investigate farmers' operations in that year in detail, understand farmers' income, and ensure the timely recovery of loans due by the Bank.
Third, the road is long, and I will go up and down.
The year's work is drawing to a close, and some achievements can't be achieved without the correct leadership and strong support from superiors. I am well aware that I still have many shortcomings. Through a year of training and training, I have learned a lot of knowledge and the truth of being a man. The road to glory is long, Xiu Yuan, and I'm in the ups and downs. In the new year, I will strive to overcome my own shortcomings, study hard, improve my own quality, actively explore, perform my duties and obey the leadership. Be a good employee assistant, work together with all employees Qi Xin, unite as one, and make due contributions to the improvement of our operating efficiency and the completion of various objectives and tasks in the coming year.
Summary of loan officer's work 3 Time flies, and a year is fleeting. Looking back on the coming xx years, there are leaders' care and instructions, colleagues' support and help, joy and relief after overcoming difficulties, and no regrets after disappointment and hesitation. Although I am still a bank clerk, I have learned a lesson from my previous ignorance through hard work. Although I was a little confused when I first came into contact with these jobs, I firmly believe that nothing can be done badly as long as I work hard. Now I will summarize my work in the past year as follows:
First, strengthen learning and improve their own quality.
Over the past year, I have been able to seriously study the business knowledge of banks and constantly improve my theoretical quality and business ability. In the process of learning, I gradually summed up a learning method that suits my own characteristics, that is, comparative learning. Compared with other colleagues, what I personally lack is what I need to learn; Our weakness is exactly what I need to strengthen; Compared with other banks, what is different from us is what I need to explore.
The second is to explore and innovate to find new market growth points.
Only by constantly developing high-quality customers, expanding business and increasing deposits can efficiency be improved. Make full use of your existing social network, and. It is inevitable to visit each other one by one, but fortunately, in this way, I have dug up many new customers on the basis of the original individual customer marketing maintenance, and I believe that the savings situation will improve next year.
Third, be loyal and persistent and do your duty for the development of Shengjing.
Bank is my dream workplace when I was a student. After graduation, I was very lucky to get this ideal job. But to be a qualified silver
Line spectrum is not an easy task, and it is bound to require constant learning and constant tempering. To tell the truth, I was very ignorant at first, but after nearly a year's work and understanding, I found that I gradually liked this job, which I didn't expect at first, and I will definitely continue to work hard.
When I first arrived at my post, I studied credit business and personal housing mortgage loan. At first, I found it difficult to get in touch with it because I didn't understand most things. But with the help of leaders and colleagues, I gradually found some ways, general business processes and communication with customers, and finally got to know the composition of the system and the paper. I believe I will continue to improve my personal level and try to get it as soon as possible. In the new year, I set new goals for myself. In order to make myself a qualified bank employee as soon as possible, I will focus on the following aspects to exercise myself and improve myself.
First, business. Constantly update your bank knowledge base, not only be familiar with traditional business, but also grasp emerging business in time; Need to have a higher theoretical level and the ability to skillfully operate specific businesses; Not only should you learn the professional knowledge within your own responsibilities, but you should also take the initiative to learn about bank loans, deposits, settlement and other related knowledge.
Second, quality. Cultivate a strong sense of responsibility and service, and take every customer seriously. Self-discipline, decent style, integrity, and consciously safeguard the good image of bank staff.
Third, the psychological aspect. Constantly temper, rationally face setbacks and failures, and take a mature and steady mental state as your growth goal.
Four. On the basis of XX years, strengthen communication and coordination with colleagues, achieve seamless connection of information between departments, and prevent delivery time from affecting the quality and quantity of business. In business operation, it is necessary to improve the execution and strength, continue to strengthen the study of business knowledge, and improve the ability of project review and risk review report writing.
Next year, I will continue to explore, innovate, do my duty and try my best. While growing up, I will make my own contribution to the development of Shengjing.
Summary of loan officer's work 4 With the end of 20xx approaching quietly, I have been working as a business manager for more than half a year. From the initial lack of confidence in business skills, I can now analyze the credit business by myself, which really benefited me a lot. Looking back on this year's work, with the concern of the company leaders and the help of all my colleagues, I earnestly studied my business knowledge and skills, actively performed my duties, summed up the shortcomings in my work in time, worked hard to improve my professional quality, successfully completed my personal work tasks, and improved my ideological consciousness, professional quality, operational skills and quality service. The experience and experience of this year are summarized as follows:
No matter what occupation you are engaged in, you need to keep learning.
Facing the position of business manager, I was a little uncertain at first. It is difficult for me to know the basic situation and business information of customers on the spot, investigate and master the purpose and repayment willingness of intermediary loans of customers, and analyze the repayment ability of customers. Through communication with leaders, think and summarize by yourself. Let me have a new understanding of the loan business and increase my confidence. At the same time, I deeply feel that it is not enough to learn from practice, but also to supplement theoretical knowledge. So I actively use my spare time to strengthen the study of financial theory and business knowledge, so that all kinds of learning materials can be integrated and applied. Read financial books in your spare time and refer to successful credit cases. Constantly enrich yourself. Through practical experience accumulation, professional training and self-study, I gradually mastered the business and operation process. Professional work ability, comprehensive analysis ability, coordination ability and written language expression ability have been greatly improved.
Second, strive to improve and perfect the rules and regulations.
Efforts should be made to improve and perfect various rules and regulations, not only in accordance with the provisions of the higher authorities, but also in accordance with the actual situation of this organ to formulate corresponding work standards and business assessment methods to ensure that all work is mutually restrictive and mutually promoting, so as to achieve the smooth development of all work and achieve certain benefits.
Third, shortcomings
My business level and management ability are not high, business development is slow, defective products remain high, collection speed is slow, "two dull" rises, potential risks increase, four enterprises exceed the proportion, capital adequacy ratio is seriously insufficient, and employees' office conditions, preventive facilities, living conditions and working environment have not improved.
Fourth, improvement measures.
Strengthen the study of their own business theory, further improve their business level and management ability, increase the intensity of "clearing up wrongs", especially the "two deadbeats", strive to firmly support "agriculture, rural areas and farmers", reduce the large excess ratio, increase revenue and reduce expenditure, improve operational efficiency, improve capital adequacy ratio and offset ratio, and reduce and eliminate risks as soon as possible.