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 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, classification, registration, evaluation, collection of non-performing loans, timely write off non-performing loans; 10. Assist in the acceptance, discount and rediscount of commercial bills. The job responsibilities of loan officers in different regions and different bank outlets will be adjusted according to local conditions, and the management measures of the bank outlets shall prevail. For details, please consult the head of the credit department of the outlet.
The bank loan officer can be said to be the bank's "polygraph", which is used to detect 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.
"If you are approving loan documents, you only need to know what the business is like and what the process is like, which is almost the same; As for what customers need to provide, how to audit and what to pay attention to, you will learn on the job; At first, you will be an ordinary shop assistant, helping others. This is a study period. After a period of time, you will have the right to review enterprise information. However, I should remind you that sometimes you will be a little tired, because the bank will hold some competitions and goals regularly, so sometimes the pressure will be heavier, but it is always better to be a bank, so you can consider giving it a try.
The answer upstairs is partly correct. The loan department is mainly divided into two parts, one is the business department, the personal loan department, the company department, and the other is the loan approval department. But I don't know if the upstairs is from the bank now, because the business of the bank is not so good now and the competition is fierce. Although there is a national trend of tightening loans, lending has become the most eternal theme of the banking industry.