Loan repayment commission means that the salary composition of loan officers is related to the repayment amount of customers. Generally speaking, the loan withdrawal point is basically controlled between 2-4 points, which is deducted from the lender's loan amount in advance. However, how to deduct the commission from the loan amount depends on the provisions of the lending institution. The calculation standard and salary structure of each bank are different. You can look at the labor contract signed when you join the company, which should be marked on it.

First, the work content of the loan officer

Announce the types, terms, interest rates and conditions of operating loans, and provide consulting services; Guide the filling of loan application forms, help handle loan applications and other businesses, and 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;

Second, the income situation.

Income is calculated according to performance, and the average monthly basic salary is about 2000 yuan. Different banks have different assessment systems, and the income of loan officers varies greatly. Generally, the monthly deposit is 6.5438+million, and the annual income is about 70,000. The monthly deposit exceeds 30 million, and the annual income is basically guaranteed to be above 6.5438+million. [1] The annual salary of ordinary bank loan officers: it is not so high for beginners, and it is generally around 60,000, which is a good figure for newcomers. Banks can be roughly divided into three categories: state-owned banks, joint-stock banks and foreign banks. The income ranking of these three categories is: joint-stock banks >; State-owned banks > foreign banks.

Under the modern economic model, loan officers play an increasingly important role as a bridge, which is the link between enterprises and other commercial institutions and banks. Loan officers help potential customers to apply for loans.