How about the job of credit specialist? Is it easy to do?

This job is ok. It will be difficult to do at first, but it will be very helpful for personal ability, contacts and development if it can be honed and persisted in the early stage, and it will also bring considerable benefits to the company.

bank loan officers have strict performance appraisal. Those with good performance can be promoted, those with poor performance will be demoted, and some even have their labor contracts terminated due to poor performance. Therefore, there are often some loan officers who ask to change jobs and go to teller positions, because they can't bear the pressure of performance.

loan officers are not only responsible for making loans, but also for undertaking customer deposits, loans and other intermediary businesses, and maintaining customer relationships. They should have strong public relations skills, systematic marketing strategies and a strong sense of service, and can actively mobilize all resources of commercial banks to provide all-round and integrated services to customers.

expanding information

skills of being a loan officer

The usual exhibition methods of loan officers are telemarketing, sending bills, inserting cars, and strangers. However, if you want to have more customers, it is far from enough to use these methods, and you must find ways to continuously expand your contacts and information sources.

The most taboo in doing credit is "house". I suggest you go out and take part in some activities outside the industry when you have nothing to do. Such as: playing ball games, getting together with old friends, joining various clubs and clubs, etc. Through these activities, you can make many friends. Although these friends are not very helpful to our work at ordinary times, once they have a loan demand, they will think of you for the first time and bring you a lot of economic benefits.

Is there a future for the position of bank lending post? Why?

The position of bank lending basically has no future. You can understand this position as a loan salesman of bank outsourcing type.

whenever we talk about banking, many people always think that banking itself is a good job. In real life, there are many kinds of jobs in banks, many of which are even just outsourcing jobs of banks, which means that the related jobs are not as good as we thought. The bank outsourcing jobs we usually refer to are generally just loan salesmen. These salesmen mainly sell bank loan products to users, and the related benefits are basically equal to .

first, the development prospects of bank lending positions are not good.

There will be a lot of job recruitment for bank loans in the market, and these jobs are basically outsourced jobs of banks, which means that the relevant employees can't get formal security benefits from banks. If an employee goes to work in such a position, the employee can understand this position as a loan salesman with certain banking qualifications, and the personal treatment of the relevant employees will also be linked to their own business.

second, I personally don't think highly of bank lending positions.

Because this position itself is an outsourcing position, employees in outsourcing positions basically do not enjoy the treatment of employees at the same level. The treatment of many positions in the bank is really very good, but the bank lending positions will basically not enjoy these treatments, which means that employees will basically enjoy the same treatment level as themselves, and employees will not enjoy various benefits of the bank.

third, this question also depends on the situation.

Some banks may transfer their employees from internal positions to bank lending positions. If the employee concerned signs a long-term labor contract with the bank, or the employee himself is a bank preparation worker, it is indeed a good choice for the employee to work as a bank loan post, because the bank loan post can bring a relatively open working environment to the employee and also exercise the employee's business ability.

prospects of mortgage loan salesmen

prospects of mortgage loan salesmen The greater the market demand, the better the employment situation. According to the relevant information, in 222, there were 33 positions for mortgage loan specialists, which was 6% lower than that in 221. The higher the curve, the greater the market demand and the better the employment situation.

how about making a loan?

The work is as follows:

Overall, the performance pressure is relatively high.

I am mainly responsible for the marketing of loan business in a loan company, grasping potential customers to promote corporate credit products to them, and doing a good job of business orientation in daily work and answering customers' inquiries, handling the reception of various businesses for customers and solving various problems encountered by customers in the process of handling business.

During the working period, you must conduct an all-round review of the loan customers and be familiar with the information of borrowers and guarantors. This job requires not only strong communication skills, but also strong judgment. In fact, this job is more like a salesman. The incumbent should have strong endurance and pressure resistance, do more business, have more orders, get more commission and earn more money.

Introduction:

The simple and popular understanding of loan (electronic IOU credit loan) is to borrow money with interest.

loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other lending funds.

Banks put the concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

is loan sales easy? ?

loan sales should still be quite easy to do. loan sales are equivalent to loan officers, that is, salesmen who specialize in lending. This job is easy to do, after all, banks hold funds, and there are many small and medium-sized enterprises that are short of money now; It's hard to say it's hard to do it. If you put the money out, it's the last word to get it back. Otherwise, if you lose the principal for a little interest, you'll lose a lot. So it is difficult to find a suitable credit customer. The salary of the credit account manager is linked to the loan interest. If the loan can't be recovered, it will be miserable, and the survival salary will be paid, and the rest of the reward performance will be deducted. It is also possible to do more than 1 thousand well, but it is difficult to do less than 2 well

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Selling in industries that make money:

1. The rise and development of the Internet in China has made China's online sales reach an unprecedented level and height. Looking at Taobao's daily sales exceeding 1 billion, we can see the power of online sales, which is incomparable in ordinary practice. However, this kind of online sales needs innovative ideas of thinking in the new era and new media, instead of sticking to the original traditional model.

2. In fact, "5G" has been a popular word on the Internet in recent two years. Almost everyone has heard of it, but it seems that it has little relevance to their own lives. In fact, recent years have been the "peak period" for the development of the 5G industry, and at present, China, as the "leader" of the development of the 5G industry, still has a long way to go in the next time.

3. Health insurance industry. With the change of population structure and the improvement of living standards, there will be more and more elderly people, and the public will pay more and more attention to the life of providing for the aged, so this sales industry will be more and more promising.

4. Tourism health industry sales. With the development of social economy, people pay more and more attention to spiritual enjoyment, so tourism has become a way for everyone to yearn for freedom. Then the industry of healthy travel and healthy tourism has also flourished in recent years, so if this industry is recommended to demanders, it will become the highlight of sales.

is it easy for loan salesmen?

In recent years, many people have chosen the job of loan salesman. Is it really as easy as most people think? Loan salesmen are generally paid according to their performance. The higher their ability, the more they gain, so this profession is directly linked to the salesman's ability. A loan clerk is a person who works in a bank. His main duties include recording, creating and maintaining loan documents. A loan clerk may have many possible job responsibilities, including interviewing loan applicants, completing loan application documents, conducting credit checks and creating final loan documents. This is a relatively entry-level position, and applicants usually need a high school diploma. Some clerks may have two or four-year university degrees in business, accounting or finance.

although some loan clerks do interview loan applicants and collect initial information, it is usually the responsibility of loan officers. Then, the loan officer will pass the collected information to the clerk. Then, the clerk will follow up with the applicant as needed, collect any other information that may be needed, or answer any questions that the applicant may have about the loan process.

after receiving the loan application information, the loan clerk will be responsible for checking the correctness of the paperwork and preparing the information for the loan personnel to review. Clerks may need to conduct background checks on applicants, check letters of recommendation and work experience, and verify credit records and credit scores. Once the information is ready and verified, the clerk will prepare a final report.

then, he or she will pass the final report and any other necessary documents to the loan officer or the loan department, who will review the loan information and make a final decision. By then, the loan clerk's work may have been completed, or he or she may be responsible for creating the final loan documents and contracts to be signed by the lender and the borrower. In addition to the responsibilities in the loan department, the loan clerk may have other job responsibilities.

depending on the size of the bank where the loan clerk works, he or she may need to answer the phone, keep some filing records, provide customer service to bank customers and do other paperwork. Clerks should have good computer and math skills, as well as the ability to clearly write and prepare reports that have been carefully checked for errors. Clerks who succeed in their work can usually become loan officers or supervisors, especially those who choose to continue their education.