Summary report on outstanding personal work of loan officers 1
With the end of 20 years approaching quietly, I have been working as a business manager for more than half a year. From the initial lack of confidence in business skills to the ability to analyze credit business alone, I really benefited a lot. Looking back on this year's work, with the concern of the company leaders and the help of all my colleagues, I earnestly studied my business knowledge and skills, actively performed my duties, summed up the shortcomings in my work in time, worked hard to improve my professional quality, successfully completed my personal work tasks, and improved my ideological consciousness, professional quality, operational skills and quality service. The experience and experience of this year are summarized as follows:
No matter what occupation you are engaged in, you need to keep learning and get fresh "flowing water from the source" from your thoughts, culture and business. Only in this way can we make continuous progress and maintain a clear spring. Facing the position of business manager, I was a little uncertain at first. It is difficult for me to know the basic situation and business information of customers on the spot, investigate and master the purpose and repayment willingness of intermediary loans of customers, and analyze the repayment ability of customers. Through communication with leaders, think and summarize by yourself. Let me have a new understanding of the loan business and increase my confidence. At the same time, I deeply feel that it is not enough to learn from practice, but also to supplement theoretical knowledge. So I actively use my spare time to strengthen the study of financial theory and business knowledge, so that all kinds of learning materials can be integrated and applied. Read financial books in your spare time and refer to successful credit cases. Constantly enrich yourself. Through practical experience accumulation, professional training and self-study, I gradually mastered the loan business and operation process. Professional work ability, comprehensive analysis ability, coordination ability and written language expression ability have been greatly improved.
2. Seriously abide by the rules and regulations, be able to complete the tasks assigned by the leaders in time, and actively carry out business. Looking back on this year, our efforts have finally brought gratifying results.
1, unite and observe discipline, and do our best to improve operating efficiency. Over the past year, my colleagues and I have been United.
Obey the arrangement of the leader and actively do your job.
2. Strengthen awareness and be proactive. After contacting the intermediary loan work, we should constantly strengthen the awareness of loan marketing, break away from the idea of "being afraid of loans", find customers with good benefits, actively conduct market research on customers on the premise of ensuring the quality of credit assets, and give loan support to individual industrial and commercial households with market and credit. It is impossible for anyone to apply for a loan through intimidation. The reason is simple: he won't use despicable means to get a loan. But if you lend him a loan and cannot recover the lawsuit at maturity, he may despair under pressure. The risk of refusing to apply for a loan now is far less than that of not facing it in the future.
3. Adhere to the principle of lending and do a good job in loan investigation. I know very well that the quality of credit assets is related to our company's business development plan, and the responsibility is more important than Mount Tai, so we can't be careless at all. Over the past year, we have made a careful investigation on every loan, from the borrower's subject qualification, credit status, current situation and prospect of production and operation projects, repayment ability, to the guarantor's qualification and guarantee ability, and the legal effect of mortgage and pledge; From inventory inspection, current account use inspection to on-site inspection of houses and equipment; From the calculation of assets and liabilities, the analysis of production, sales and profits, to the study of net cash flow of operating projects, the determination of loan risks and the reasons for not letting go, I have carefully investigated every link without any slack. In the pre-loan investigation, I achieved the "three musts", that is, the loan conditions must conform to the policy, the loan documents must be legal originals, the borrower and guarantor must be present to verify and sign, and strangers and acquaintances should be treated equally, thus ensuring the compliance and legality of loan issuance.
4, strengthen management, and strive to collect. Do a good job in the early collection of loans, assist the recovery department in time, and ensure the timely recovery of loans due by our company.
Three, a year's work is gradually coming to an end, and some achievements can not be achieved without the strong support of company leaders. I am well aware that I still have many shortcomings. Through a year of training and training, I have learned a lot of knowledge and the truth of being a man.
In the new year, I will strive to overcome my own shortcomings, study hard, improve my own quality, actively explore, perform my duties and obey the leadership. Be a good employee assistant, work together with all employees Qi Xin, unite as one, and make due contributions to the improvement of our company's operating efficiency and the completion of various objectives and tasks in the coming year.
Summary report on outstanding personal work of loan officers II
Time flies, and a year flies. Looking back on the coming year, 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. But to be a qualified silver
Line spectrum is not an easy task, and it is bound to require constant learning and constant tempering. 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.
Summary report on outstanding personal work of loan officers 3
When I first arrived at my post, I studied credit business and personal housing mortgage loan. At first, I found it difficult to get in touch with it 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, and finally got to know the composition of the system and the paper. I believe I will continue to improve my personal level and try to get it as soon as possible. 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 20__ 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.
Summary report on outstanding personal work of loan officers 4
It is not easy to be an excellent loan officer, but it is not impossible. It depends on whether you do it or not. How? From the initial loan officer to the current director of the credit cooperative, it has experienced the ups and downs of the rural credit cooperative for nearly 30 years, and witnessed the bitterness and difficulty of the majority of loan officers coming and going in the rain. On how to be a qualified, competent, excellent, caring and satisfied with agriculture, countryside and farmers, I visited the loan officers and backstage staff, the majority of loan households and the families of credit cooperatives in my jurisdiction. Through detailed communication with them, I have carefully combed and summarized, and think that an excellent loan officer should achieve "three tens", that is, keep in mind the ten commandments, straighten out the ten relationships and do ten things well.
First, keep in mind the Ten Commandments and enhance the awareness of obeying the law.
There is a saying in the San Zi Jing, "If the son doesn't teach, the father is wrong; It's mother's fault that women don't teach. "So, as a unit of our credit union, should we understand it this way: employees don't teach, leaders make mistakes, employees make mistakes, and management is wrong? In recent years, we have put forward a series of management system methods, but the phenomenon of system scaffolding is very serious, which leads to the deviation of our grassroots credit personnel's understanding, implementation and implementation of the system, so that people sometimes feel at a loss, blindly engage in work, grope for work, and artificially appear some phenomena of inadequate management. What's more, they broke the law, violated the rules and made mistakes without knowing where they were. Moreover, the system failed to investigate and deal with some violations of discipline, conniving at them, making them unruly, deaf and bent on their own way, damaging the reputation of credit cooperatives and causing setbacks and economic losses to themselves. To be a loan officer is to know what to do and what not to do, as long as we have a system "high-voltage line" in our hearts; As long as we regard the system as sacred; As long as we keep clean and spotless; As long as we have collective interests in mind and keep in mind the "Ten Commandments", we can do a good job in credit work.
If you learn nothing, you will make up for it. Credit personnel should be high-energy talents who are familiar with policies, understand business, have a sense of responsibility, adhere to principles, and be good at management and management. The party's principles and policies should be implemented by the specific work of credit personnel, and the convenience and benefit of credit cooperatives should be implemented by credit services. With the development of society and the change of situation, knowledge needs to be updated at any time, and some concepts and skills should also keep pace with the times. You can't rely on old experience, you should talk about things, and you should integrate some scientific decisions into credit work. If you don't study hard and improve, you can't adapt to the credit work under the new situation. Therefore, in today's increasingly encouraging competition, we will be fairly judged by the standard of "survival of the fittest".
Second, don't brag and make wishes blindly. Our credit officers have their own operating rules, their own work scope, clients and loan authority, and should strictly carry out their work within their respective functions and powers, and they are their own clients, and we should actively support them; Not your own service object, politely decline; It is within the scope of your own authority, so you should take the initiative to deal with it in time. If approval is required beyond the authority, it is necessary to do a good job in basic work and actively report it. Never make a blind wish, nod your head and pat your chest, go beyond the collective examination and approval organization of credit cooperatives, and cause passive prestige loss to yourself and losses to lenders. Such as: blindly evaluating the transfer of real estate, blindly signing loan agreements, blindly handling notarization procedures, blindly handling mortgage procedures, etc.
Five commandments of short-term behavior, light and heavy broadcasting. In recent years, we have carried out the reform of the wage system and implemented the performance-based wage system with a salary of 10,000 yuan, which has played a positive role in mobilizing the enthusiasm of employees, accelerating the development of credit cooperatives and expanding the scale of credit. All loan officers have an idea in their minds, that is, if they want to earn more wages, they have to charge more interest on loans, and if they want to charge more interest, they have to lend more. Judging from our current implementation, most loan officers can adhere to the premise of safety, speed up the flow of funds and achieve benefits. In the future, we will stick to it, refrain from short-term behavior, make personal achievements, blindly enlarge the number of large households, and bring potential risks to credit funds. At the same time, we will further improve the assessment mechanism, organically combine responsibilities and rights to ensure that we can release and collect, and implement the "four-fixed and four-package" responsibility system we put forward, that is, determine the service area, service object and loan authority.