Three laws and one guideline:
1, Interim Measures for the Administration of Fixed Assets Loans,
2. Interim Measures for the Administration of Working Capital Loans
3. Interim Measures for the Administration of Personal Loans
4. Project financing business guide
It can be downloaded from Baidu Library.
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.
Job description of bank loan officer:
Announce the types, terms, interest rates and conditions of operating loans, and provide consulting services;
Guide to fill in the loan application form and help to handle the loan application and other business;
Assist relevant personnel and departments to evaluate the credit rating of borrowers;
Investigate the legality of the borrower and other factors, verify the situation of collateral, pledge and guarantor, and measure the loan risk;
Reply to the loan application, sign a loan, guarantee contract or go through notarization procedures;
Issuing loans, tracking, investigating and checking the contract execution and operation of borrowers;
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;
Collect relevant information and assist relevant departments to prosecute borrowers who fail to repay principal and interest;
Establish and improve the loan quality preservation system, classify, register, evaluate and collect non-performing loans, and write off non-performing loans in time;
Assist in the acceptance, discount and rediscount of commercial bills.