The specific scope of work of loan officers

The bank loan officer can be said to be a "polygraph" sent by the bank to test whether the information provided by the lender is true or false. He is mainly responsible for investigating the strength and potential of loan companies and individuals and providing them with policy suggestions on loans. He needs excellent judgment and keen observation, good listening, affinity and communication skills. Its specific scope of work is:

1. Announce the types, term, interest rate and conditions of operating loans and provide consulting services;

2. Guide to fill in the loan application form and help to handle the loan application and other businesses;

3. Assist relevant personnel and departments to evaluate the borrower's credit rating;

4. Investigate the borrower's legality and other factors, verify the situation of collateral, pledge and guarantor, and determine the loan risk;

5. Reply to the loan application, sign a loan, guarantee contract or go through notarization procedures;

6. Issuing loans, tracking, investigating and checking the borrower's contract execution and operation;

7. Send a notice of repayment of principal and interest, and urge the borrower to repay the loan; Send a collection notice to collect overdue loan principal and interest;

8. Collect relevant information and assist relevant departments to prosecute borrowers who fail to repay principal and interest;

9. Establish and improve the loan quality preservation system, classify, register, evaluate and collect non-performing loans, and timely write off non-performing loans;

10. Assist in the acceptance, discount and rediscount of commercial bills.