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 reviewing the borrower's credit information, the borrower and guarantor's subject, business policy, credit policy and credit risk.
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. Responsible for timely issuing overdue loan collection notice and doing a good job in the collection of loan principal and interest.
6 in the daily management, major issues that have a significant impact on the safety of loans should be reported to the superior bank in a timely manner.
7. Be responsible for contacting the borrower specifically after the loan, obtaining customer information, and supervising and inspecting the borrower and guarantor.
8. Be responsible for the risk early warning, extension, reorganization, collection, quality classification and preliminary examination of customer credit rating of loans, put forward handling opinions to the credit director, and implement relevant specific loan management measures. Generally, you don't need to collect it yourself, but there are also company regulations. If the customer fails to repay the loan on time, the salesman's salary will be deducted, or the arrears will be recovered by himself.
A loan intermediary company refers to a company that does not engage in the loan business itself, but provides services for borrowers' loans and helps borrowers obtain loans from formal lending institutions. In life, the common companies engaged in loan intermediary are: pawn shops, real estate agents, guarantee companies, investment (consulting) companies and so on.
Second, the loan needs to find an intermediary company:
Usually, anyone who needs a loan can apply directly to a bank or a loan company, and the bank can even recommend a guarantee company when it needs a guarantee. But many people don't know how to choose banks and loan products when they want to borrow money. Loan intermediary companies can recommend the institutions and loan products that are most suitable for borrowers. Bank loans have many procedures, complicated processes and long processing time. It can save the time for borrowers to handle loan procedures through loan intermediaries. There are still some people looking for a loan intermediary because the loan conditions are insufficient and they need a guarantee company to guarantee. There are also some "bank blacklist" customers who think that the loan intermediary company is "related" in the bank and it is difficult to lend.
In short, in some cases, loan intermediaries can really help customers to make formal institutional loans. However, we must be wary of some lawless elements who cheat money in the name of loan intermediaries. When looking for a loan intermediary company, you must go to the other company to go through the formalities in person, and don't pay any fees before lending money.