I. Credit Manager
A credit manager is your first step in getting in touch with a loan. Whether you take the initiative to find a loan company or the loan company takes the initiative to find you, if you want to get a loan, you must get in touch with the credit manager.
A good credit manager will tailor the appropriate loan scheme for you, recommend the appropriate loan products according to your actual situation, tell you when to apply and when not to apply, give you correct and quick guidance, help you submit materials and save processing time.
An irresponsible credit manager may not think too much about you, but he may think more about how to extract more benefits from you, so he will recommend you to a loan institution with high commission and rebate, sometimes even regardless of your actual situation, which often leads to rejection, and then your application is repeatedly rejected and enters an infinite cycle.
Second, the risk control personnel
Risk control is the core of financial institutions' financial management. Whether to give you a loan or not, the final decision is in their hands, and the credit manager is only a bridge at best. What does risk control do? The borrower's work, income, liabilities, credit information, materials and other aspects are deeply dissected and analyzed, and then a comprehensive score is obtained. If the score reaches the loan standard, it will be submitted for approval, and the approval will complete the data review.
Borrowing the wind to control this level, the borrower must do three things: first, actively cooperate, second, the materials should be true, and third, the contacts should cooperate.
Third, the contact person
Generally, when applying for a loan, you need to leave several contact information, which is mainly used as an auxiliary proof of loan review. The risk control personnel will contact the contact person on the application form by telephone, and then understand the real side of the borrower through communication with the contact person.
If the contact person's answer is basically in line with the materials and oral information submitted by the lender, and the fact is that it meets the import requirements, then the probability of the loan passing is much greater.
If the contact person's answer is not in line with the borrower's actual situation, or it is very different from the materials and dictation provided by the borrower, the risk control personnel will basically judge that the borrower is suspected of concealing the real situation, so it will also have a great impact on the loan approval.
Therefore, when lending, you should leave reliable contact information, and ensure that the contact person's mobile phone is unblocked.
Fourth, the most critical number.
In fact, the most crucial person is the borrower himself, and whether the loan can be successfully made depends on the borrower's own conditions. You are the cause and result of the loan success!
First: You must have a stable job, whether it's work or business, but you can't lose your job.
Second: you must have a stable source of income, which is mainly judged by the running water of the bank.
Third: You must have good credit, repay loans and credit cards normally, don't check credit information indiscriminately, and don't apply for too many loans and credit cards indiscriminately.
Fourth: No matter whether the conditions are good or not, we should cooperate with the credit manager and risk control. A good attitude can give you extra points.
Fifth: loans should be evaluated according to the situation. Lenders often have loans, but the amount is not. At different nodes and different months, the policies of lending institutions and countries may be different. Under the same conditions, we can get loans this month, but not next month, so we should always pay attention to the dynamics of loans.