Summary is a kind of written material that reviews, analyzes and evaluates a certain period, a certain project or a certain work after it has come to an end or been completely completed, so as to learn lessons and some regular knowledge. Through it, we can correctly understand the advantages and disadvantages of previous study and work. Let's write a summary carefully together. How to write a summary so as not to be stereotyped? The following is the annual personal summary of bank credit employees I collected for you, for reference only. Let's have a look.
Annual personal summary of bank credit employees 1 I have graduated from college for several years. After graduation, I found a job in the bank and came to our rural commercial bank. Time passed quietly. This year, I became the account manager of a rural commercial bank. I have been doing credit work for almost 10 months, and I feel a lot. At first, I was unfamiliar with my job. Fortunately, I work hard and am actively familiar with my work. This year's work is summarized as follows:
First of all, let me talk about my personal work attitude. This job is my first job after graduating from college, so I regard it as a treasure. From training to work, I often hear many people say that this job is too hard and tiring, but out of love for many lines, I persisted. Some people say that the salary is too low, but my eyes are not that shallow. What I saw was the future stage, not the current treatment. After implementation, I found that the salary was not bad. Now I really like this job, because here I can see the value and dream of realizing my life.
In the course of work, I found that this job is not only as simple and easy as lending money, but also has a lot to learn. For example, if you do something, you will always have experience and lessons. In order to facilitate the future work, it is necessary to analyze, study, summarize and concentrate the experience and lessons of the past work, and rise to the theoretical level to understand.
First, we must learn to look at people and learn to look at the state of enterprises.
Because we are in the loan business, if you make a mistake in the first step, I'm afraid it will be difficult to achieve your expected results by saying more good things when collecting loans in the future. The people who are most afraid of collecting money are those who have money but are unwilling to pay it back, not those who really can't afford it.
Second, we must learn to cultivate and retain customers.
But it is more important to remember that "it is easier to fight a mountain than to defend one". We should not only develop new customers on the original basis, but also maintain old customers, who will often give you "unexpected" surprises. We must think about how to hold the "Jiangshan" in the future. Lenders are people, and people have feelings. When they become our customers, we should treat them sincerely and help them when they are in trouble. We should try our best to be their "bosom friends". If we can do this, you can rest assured that this customer is. We have this group of people in rural commercial bank, and farmers like us go into every village to serve, bring financial convenience into the park, and think about customers everywhere.
Third, learn to manage.
We have many customers. If you don't have good management skills, then your problems will come, which will make you upset and depressed. First of all, you should learn to allocate your time reasonably so that you can work better. Although your time depends on borrowers, and there are many borrowers, you can't satisfy all borrowers, so we should learn how to manage our borrowers well. One more thing, you must learn to manage accounts, because the financial business we do involves money, and people are most serious about money. We must not be careless. We should carefully manage our bills, be responsible to the lenders, the rural commercial banks and, most importantly, ourselves.
Fourth, learn to be a man.
"If you want to learn to do things, you must first learn to be a man." In fact, this sentence is very reasonable. If you can't be a man, then you can't do better things. Because when you do things, you first face people. When you enter a company, you can't immediately adapt to your work environment and your interpersonal relationship, let alone do better things. First of all, we must communicate well with the old employees of our rural commercial bank and deal with interpersonal relationships, so that we can go to work with a happy mood and a positive spirit every day, and let the rural commercial bank be my home, just as happy as returning to our warm and harmonious home. Facing customers, we should do our job better, show our excellent service attitude and professional quality, and make borrowers feel at home. Also, we should learn to pay a return visit to our customers from time to time. Our business is not finished with a loan, but with a loan, so we should keep good contact with the lenders, have their latest harvest information and their ideological trends, so as not to be passive. If we do these things well, I believe that the business volume will rise linearly in the future, and the recovery rate will be 100%.
Fifth, be familiar with professional knowledge.
1. Under the guidance of leaders, the procedures and direction of work were clarified, the working ability was improved, and a clear working idea was formed in specific work. After becoming a loan officer, with the goal of "doing better", I cultivated the sense of innovation, actively and successfully completed all the work assigned by the leaders, and strengthened my business study in the remaining time, laying a good foundation for the next work. Make clear the direction of efforts and put forward improvement measures.
As a loan officer, I deeply feel that I shoulder a heavy responsibility, and my words and deeds also represent the image of our bank, so I want to improve my quality, set high standards for myself and strengthen my professional knowledge and skills.
2. Seriously, timely and efficiently complete the specific work assigned by the bank. In order to carry out the work smoothly and coordinate with branches, we not only do our own jobs, but also actively cooperate with other colleagues in the bank to do their own jobs.
3. Work attitude and diligence. We should love our jobs, treat every detail of our work correctly and seriously, serve farmers enthusiastically, observe labor discipline seriously, ensure attendance on time, and stick to our posts.
This paper summarizes the work in the past 10 month. Although some progress has been made, there are still shortcomings in many aspects. For example, there are not many creative work ideas, individual work is not perfect enough, and there is too little information about business customers, which needs to be improved in future work. In the days to come, I will seriously study various policies and regulations, strive to improve work efficiency in an all-round way, and make greater contributions to the development of rural commercial banks.
Annual Personal Summary of Bank Credit Employees 2 Time flies, and a year is fleeting. Looking back on the coming xx years, there are leaders' care and instructions, colleagues' support and help, joy and relief after overcoming difficulties, and no regrets after disappointment and hesitation. Although I am still a loan officer working in a bank, I have learned a lesson from my previous ignorance through hard work. Although I was a little confused when I first came into contact with these jobs, I firmly believe that nothing can be done badly as long as I work hard. Now I will summarize my work in the past year as follows:
First, strengthen learning and improve their own quality.
Over the past year, I have been able to seriously study the business knowledge of banks and constantly improve my theoretical quality and business ability. In the process of learning, I gradually summed up a learning method that suits my own characteristics, that is, comparative learning. Compared with other colleagues, what I personally lack is what I need to learn; Our weakness is exactly what I need to strengthen; Compared with other banks, what is different from us is what I need to explore.
The second is to explore and innovate to find new market growth points.
Only by constantly developing high-quality customers, expanding business and increasing deposits can efficiency be improved. Make full use of your existing social relations. It is inevitable to visit each other one by one, but fortunately, in this way, I have dug up many new customers on the basis of the original individual customer marketing maintenance, and I believe that the savings situation will improve next year.
Third, be loyal and persistent and do your duty for the development of Shengjing.
Bank is my dream workplace when I was a student. After graduation, I was very lucky to get this ideal job. However, it is not an easy task to become a qualified bank employee, and it is bound to require continuous learning and training. To tell the truth, I was very ignorant at first, but after nearly a year's work and understanding, I found that I gradually liked this job, which I didn't expect at first, and I will definitely continue to work hard.
Annual personal summary of bank credit employees. When I first arrived at my post, I learned about credit business and personal housing mortgage loan. At first, I felt very tired because I didn't understand most things. But with the help of leaders and colleagues, I gradually found some ways, general business processes and communication with customers. Finally, I entered the system and made a paper. I believe I will continue to improve my personal level and strive for an early start. In the new year, I set new goals for myself. In order to make myself a qualified bank employee as soon as possible, I will focus on the following aspects to exercise myself and improve myself.
First, business.
Constantly update your bank knowledge base, not only be familiar with traditional business, but also grasp emerging business in time; Need to have a higher theoretical level and the ability to skillfully operate specific businesses; Not only should you learn the professional knowledge within your own responsibilities, but you should also take the initiative to learn about bank loans, deposits, settlement and other related knowledge.
Second, quality.
Cultivate a strong sense of responsibility and service, and take every customer seriously. Self-discipline, decent style, integrity, and consciously safeguard the good image of bank staff.
Third, the psychological aspect.
Constantly temper, rationally face setbacks and failures, and take a mature and steady mental state as your growth goal.
Fourth, the plan for next year.
On the basis of 20xx years, strengthen communication and coordination with colleagues, realize seamless information docking between departments, and prevent delivery time from affecting the quality and quantity of business.
In business operation, it is necessary to improve the execution and strength, continue to strengthen the study of business knowledge, and improve the ability of project review and risk review report writing. Next year, I will continue to explore, innovate, do my duty and try my best. While growing up, I will make my own contribution to the development of Shengjing.
The four years of personal summary of bank credit employees have passed quickly, and the end of the year has come in a blink of an eye. As of today, I have just worked in our bank for xx months. There were joys and sorrows, achievements and mistakes during this period. In our young and United group, I have learned a lot and felt a lot. I think only in our special xx post can I better understand what growth is. Xx years will soon pass, and now there will be works this year.
I. Work Performance Report
From knowing nothing about xx to being able to independently complete a survey, learning step by step and accumulating bit by bit, as of today, the total loan I have issued is xx million yuan, with xx marketing customers and no overdue customers. Although there is still a big gap between this achievement and my leadership assessment and my own requirements, I am glad that I can start from scratch and start from a very basic place, which will be a reference for my work next year.
Second, review the work that has been done.
I am honored to be the first batch of xx account managers of our bank. Of course, as the first batch, I have to work harder and harder. The xx training started in xx month made me realize the particularity of xx work. I don't think all bank jobs are in the office. On the contrary, xx account managers shuttle through the streets and high-rise buildings in the city. Xx is not only knowledge but also technology, with rigorous thinking, effective communication and keen judgment. I systematically use a questionnaire to restore the basic situation of customers. With the help of the training teacher, I have basically mastered xx technology and can independently complete the investigation within xxx million yuan. However, it will take three to five years to master this technology and become a mature account manager. After three weeks of training in xx, we returned to xx in the middle of xx and began to investigate the xx market. In the form of customer questionnaire, we have a general understanding of the financing needs and basic situation of individual industrial and commercial households and small enterprises in the streets of xx city, which has laid a certain foundation for the launch and market promotion of our xx products. After the leaflet of xx was printed, we went to the market again. Don't miss every small shop and stall, let our bank's xx products appear in the xx market in the fastest time, and the effect is also remarkable. Customers come to our bank to consult and apply for loans. We officially started working in xx, which is when we began to apply theory to practice. At first, we were facing the customers, without considering the relevance of the details. We have a superficial understanding of the characteristics of various industries, weak ability to judge the information provided by customers, and lack of communication with customers. With the patient guidance and help of our training teachers, these conditions have improved now. The investigation slowly began to have ideas and methods suitable for us, and the information was also cross-tested. However, I still have a lot of knowledge to learn and many problems to solve.
Third, the problems existing in the work
In the past xx months, although my work has made some progress, I have clearly seen my own shortcomings. First, study is not enough. In the face of different situations in the industry, it is inevitable that our account managers who are new to the credit industry do not have a comprehensive understanding of the industry and have an inaccurate grasp of customers. I must study more in my future work, not only summing up in my work, but also learning from my colleagues online. Second, customer resources are not enough, and customers are fundamental. Only by improving the quantity and quality of customers can we improve our performance. At present, the customer resources I have are the membership list of xx Trade Association and the downstream list of some loan customers, but these are far from enough. We must dig deep into customer resources and make specific marketing plans according to different industries and markets. The third is to improve their work initiative, be down-to-earth, do more and talk less, improve and improve themselves in practice, improve their working methods, and greatly improve their work efficiency.
Fourth, look forward to 20xx.
Xx will be a new beginning. My goal for my total loan is xx million yuan, and I will increase xx million yuan on the basis of doubling in xx years. I didn't set my goal too high, because I knew that no matter what goal I set, I would make the same effort. I hope I can achieve my goal and surpass my goal, and I can achieve an ideal result next year.
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