The abilities and precautions that a loan salesman should have:. Strong professional knowledge and business skills. In the process of handling credit business, we must firmly grasp the following five points: 1, review the license, 2, choose the correct text, 3, fill in the contents, 4, stamp and sign, 5, straighten out the procedures. Rich relevant knowledge A qualified and competent loan officer should have rich relevant knowledge in addition to skilled professional theoretical knowledge and skilled operation skills, which is more conducive to the smooth development of credit work. Should have interpersonal skills, have a keen intuition and cognition of the customer's personality, emotions and needs; Good endurance and ability to cope with interpersonal pressure, able to flexibly use a variety of interpersonal skills and methods for different situations and different communication objects; When interacting with customers, they can show their understanding and concern for customers; Have strong emotional control ability, be flexible and bear greater psychological pressure in the process of fighting for the rights and interests of enterprises. The ability to observe and judge refers to the ability to observe the quality of customers through their behavior and social relations; Objective judgment; Be good at observing words and feelings; Collect information from many parties and verify your judgment accurately. Whether the loan can be repaid in time depends largely on the customer's willingness to repay, and the willingness to repay depends largely on the customer's personality. Therefore, before the loan is issued, we should focus on the customer's character. Generally, a loan will not take more than one week from application to issuance. In this short period of time, loan officers should timely and accurately grasp the customer's character and character. Small business loan officers with strong ability to withstand pressure have great pressure on their performance, so they need to maintain a good positive attitude, overcome difficulties, adjust their emotions in time and maintain sufficient confidence. In particular, overdue customers need patience and endurance, as well as good pressure resistance. If they don't touch the bottom line of personality and make unreasonable and insulting language attacks on each other, they should turn a blind eye and turn a deaf ear. Really no, you can only use extreme means to extraordinary people. A knowledgeable loan officer should have a certain brain and be good at analysis and thinking. In the work of credit management, some enterprises may whitewash their financial statements to cover up their real financial situation and operating results for their own benefit. At this time, the loan officer should use his knowledge to identify and analyze the problems, so as to have a correct and comprehensive understanding of the business situation of the enterprise. If you can't clearly understand the operating conditions of the customer's enterprise, you will rush to borrow money and finally can't recover the loan, which will bring great risks to the company.
What knowledge does a loan company need employees to possess?
What knowledge does a loan company need employees to possess?
If you are a financial officer, it doesn't make much difference.
If you are a business, it depends on which department you are in charge of, generally divided into loan product sales, loan examiner, salesman, post-loan management, department head and so on. What you need to know is the bank's interest rate, credit process (unlike banks, loan companies are interested in collateral rather than loan subjects), and the company's loan access conditions (generally speaking, real estate can be used for other items, notarization, etc.). ). Knowledge includes property law, contract law, guarantee law and common sense of all kinds of loans. I suggest you read through three methods and a guide. Baidu can find it at once, which should be helpful to you. If you have time, you will accumulate more knowledge by taking the banking qualification certificate.
What knowledge is needed for loan, what preparations are needed, and how to choose a loan company.
From a practical point of view, the basic conditions for loans are:
First, Chinese mainland residents, under the age of 60;
Second, it has a stable address and work or business premises;
Third, there is a stable source of income;
Fourth, there is no bad credit record, and loans cannot be used for stock trading and gambling;
Fifth, have full capacity for civil conduct.
What knowledge do you need to master to work in a company?
I am engaged in this industry. I am a loan officer. I don't know what part you are engaged in. As a loan officer, I have good communication, coordination and language skills. Have certain business resources; Have certain ability of enterprise financial analysis; Have some basic knowledge of auditing and finance. You can communicate at ordinary times: QQ87456 1440.
What are the loan companies? I have a housing provident fund! Want a loan! Does that big brother know what a loan company is?
I don't know your detailed address! I will provide you with several: CreditEase Pratt & Whitney Information Consulting and Jieyue Information Consulting. Both companies are headquartered in Beijing, with branches or branches all over the country, as well as Ping An Loan and PICC Loan! This has yet to be further understood by you, hoping to bring you help!
What loan companies are there in Linping, Hangzhou? Which is better than the loan company?
It is recommended to apply for loans through bank channels, but try to apply through China Merchants Bank, because each loan project needs different conditions and application materials. Please dial 95555 at 8:30- 18:00, select 3 customer service -3-3-8, and enter the manual service to provide the loan purpose and city details.
Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.
What are the Chengdu loan companies?
If you apply for less than 50,000 yuan, you can log in to our mobile banking first, click My-All-Loan-I want to borrow money and try to apply through this interface, or you can log in to Pocket Life to apply for a credit card loan, depending on the audit results.
What loan companies are there in Yulin?
Welcome to apply for a loan from China Merchants Bank. If you apply for a personal loan from China Merchants Bank, you need to have a local China Merchants Bank. The application requirements and conditions of loan types are different. Please provide the loan purpose, and we will further help you verify whether there is a loan suitable for you.
What are the Lushun loan companies?
Loan business conditions:
1, 18 to 65 years old natural person;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information, no bad records, and legal use of the loan;
Materials to be prepared for the loan:
1, valid ID;
2. Proof of permanent residence or valid residence, and proof of fixed residence;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7, loan use plan or announcement
What loan companies are there in Huizhou?
In fact, there are many loan companies in Huizhou, including Huiyang and Huidong, and there are also many guarantee companies in Huicheng.
But if you want a regular mortgage, I suggest you go directly to a big bank.
If you need some formal loans-no mortgage and no guarantee, you can come to me. We are a big company here, and we have cooperation with the four major banks.
Civil servants, teachers and institutions all have loans ~
Connect directly to $ mobile phone with $ account!
What loan companies are there in Neijiang?
What knowledge should a credit salesman have?
To engage in credit business, you should at least know what finance is, what is the category of finance, and the latest trends of bank policies, such as the benchmark interest rate of bank loans. This is necessary. At present, the benchmark interest rate for bank loans is 6.3 1%. Why is it necessary to know? Because no matter what position you are engaged in, it will be related to the bank's benchmark interest rate. The rest is up to you. Just don't get stage fright. ————————— Credit Consultant (Accommodation)
The introduction that loan salesmen need to know ends here.