Job responsibilities of risk control post
1. Responsible for the management of loan customer information (before, during and after the loan);
2. Responsible for handling customer complaints and return visits;
3. Be responsible for risk control, monitoring and management of the company's guarantee business;
4. Responsible for organizing the disposal of the company's non-performing secured loans;
5. Establish a project risk management system to promote the comprehensive prevention and control of internal and external risks of the company;
6. Familiar with laws and regulations related to financial market, real estate market and second-hand car sales, as well as credit risk prevention, identification, monitoring and resolution system.
At present, the handling process of car loan in major banks mainly includes the following stages: acceptance and preliminary investigation of car loan business, review of customer information by banks, signing loan contracts and issuing loans between customers and banks, and post-loan management after car loan business is handled. Let's analyze the specific steps and precautions of each link in the process of handling car loans in stages.
I. Acceptance and preliminary investigation of auto loan business
At present, there are two main ways for individuals to apply for ordinary bank car loans from banks. First, individuals directly apply to the bank for car loans, requiring customers to have local social security, and personal conditions are good; Another is to apply for a car loan from a bank through a special car loan guarantee company, which relatively reduces the requirements for customers. The acceptance of car loan refers to the whole process from the customer's application to the bank, to the bank's hands, and then to the report and audit. The car loan applicant shall fill in the Application Form for Personal Car Loan according to the requirements of the bank and submit relevant application materials. For car loan applicants with the same applicant (such as the applicant's wife), * * * should also be required to submit relevant application materials with the applicant.
The bank (or guarantee company) conducts a preliminary examination of the loan application form and application materials submitted by the car loan applicant, mainly examining the main qualifications of the loan applicant and the completeness and standardization of the materials submitted by the loan applicant. After the preliminary examination meets the requirements, the handling bank will submit the loan application form and application materials to the pre-loan investigator for pre-loan investigation.
The preliminary investigation of car loan is mainly to verify whether the relevant materials of the car loan applicant are true, complete, legal and effective, and to investigate the repayment ability, willingness to repay, authenticity of car purchase behavior and loan guarantee of the car loan applicant. The investigation in the early stage of car loan mainly focuses on the following points: ① Whether the materials provided by the car loan applicant are true (such as household registration book, real estate license, work unit, income certificate, etc.); (2) to investigate the financial situation and loan purposes of auto loan applicants.
Pay attention to the investigation in the early stage of car loan acceptance. After the investigation is completed, the investigation results should be sorted out and analyzed, and clear opinions on whether to agree to the loan and suggestions on the loan amount, loan term, loan interest rate, guarantee method, repayment method and transfer method should be put forward, so as to form investigation opinions on the repayment ability, repayment willingness and guarantee of the car loan applicant, and send them to the loan auditor for loan review together with the application materials.
Second, the bank's approval of auto loan applications.
1. Risk control review
The loan auditor is responsible for the compliance review of the materials submitted by the car loan applicant, the integrity of the application materials such as interview records submitted by the pre-loan investigator and the contents of the pre-loan investigation.
After the loan reviewer completes the review, he shall put forward written review opinions on whether the investigation opinions and loan suggestions put forward by the investigators before the loan are reasonable and compliant, and submit them to the loan approver for approval together with the application materials and interview records.
2. Auto loan approval
The loan approver reviews the compliance, feasibility and economy of each individual car loan according to the bank's personal car loan measures and relevant regulations, combined with the national macro-control policies, and analyzes the expected benefits and risks brought to the bank according to the borrower's repayment ability and the adequacy and feasibility of mortgage guarantee.
The loan approver shall sign the approval opinions according to the review, and if the loan is not approved, the reasons for refusal shall be explained; Where supplementary materials are needed before examination and approval, the name and contents of the supplementary materials shall be specified in detail; If the loan is agreed or conditionally agreed, and the loan conditions are inconsistent with the contents of the loan plan submitted for approval, clear adjustment opinions should be put forward. After the loan approver signs the approval opinions, he shall return the approval form together with relevant materials to the business department.
Third, the signing of auto loan contracts and the issuance of loans.
1. Sign the auto loan contract.
For the approved loan, the applicant for auto loan and other relevant parties (including mortgagor and pledger) shall be informed in time, the signing time shall be confirmed, and the Personal Auto Loan Loan Contract and related guarantee contracts shall be signed. The process is as follows:
(1) fill in the contract
(2) Review the contract
(3) Sign a contract
Step 2 issue loans
(1) Confirm loan granting conditions: Before granting loans, relevant loan granting conditions should be confirmed.
(2) Loan issuance
Four, auto loan business after the file management
Post-loan and file management of personal car loan refers to the management of related matters from loan issuance to termination of car loan contract, including loan recovery, contract change, post-loan inspection, non-performing loan management and post-loan file management.
1. Recover the loan
Loan recovery refers to the timely and full repayment of the loan principal and interest by the car loan applicant according to the repayment plan and repayment method agreed in the car loan contract. There are two ways of loan repayment: entrusted deduction and counter repayment. The borrower can choose a repayment method in the contract, or change it within the loan period according to the specific situation. The principle of loan recovery is to collect interest first, then the principal, all of which are due, and the interest will be paid off together with the principal.
2. Contract change
(1) Advance payment
(2) Time limit adjustment
(3) Change of repayment method
(4) Alteration and rescission of the loan contract
There are many repayment methods of personal car loan, and there are three commonly used methods: equal principal and interest repayment method, average principal repayment method and one-time principal and interest repayment method at maturity.
3. Post-loan inspection
Post-loan inspection is the borrower, collateral, guarantor, etc. Targeted, obtain information through customer provision, interviews, on-the-spot inspection, in-bank resource inquiry, etc., continuously track and analyze the factors affecting the quality of personal auto loan assets and take corresponding remedial measures.
Its purpose is to monitor the relevant factors that may affect the quality of loans, send out early warning signals and take corresponding preventive or remedial measures. The main contents of post-loan inspection include borrower's situation inspection and guarantee inspection.
(1) Borrower's post-loan inspection
(2) Check the guarantor and mortgaged property.
4. Non-performing loan management
Regarding the management of non-performing personal car loans, banks should first identify non-performing personal car loans according to the five-level classification of loan risks, then analyze non-performing loans in time, establish a non-performing loan account for compulsory car loans, clarify the person responsible for the collection of non-performing loans, and monitor the recovery of non-performing loans in real time.
5. Post-loan file management
Post-loan file management refers to the whole process of collecting, sorting, filing, registering, saving, borrowing (checking), handing over management, returning and destroying the loan information after the personal automobile loan is issued. It is to standardize the management of loan files according to the provisions and requirements of horizontal case law and related systems to ensure the safe, complete and effective use of loan files.
(1) File collection and filing registration
(2) Borrowing (checking) and reading management of archives
(3) Transfer and receiving of files
(4) Return and destruction of archives