Loan officers are now also called account managers in some banks. Their main job is to issue loans and perform other marketing tasks such as deposits. If loan officers have strong marketing skills and the bank's incentive mechanism is good, they can find more high-quality loan customers for the bank and create more revenue. Loan officer - the bank's most commonly used right hand!

The loan officer is the face of the bank. Loan officers are responsible for the maintenance and operation of the bank's loan business, which is its main source of income. Without excellent loan officers, the bank would not have chopsticks to eat. Either they would not be full or their teeth would be bruised.

In terms of work content, the main tasks of loan officers are the maintenance of loan customer relationships, loan investigation, contract signing, mortgage procedures, post-loan maintenance, etc. In addition, they also have to undertake tasks other than branch counter operations, such as research and analysis, logistical support, etc. Therefore, compared with tellers, loan officers' work is more complex and their working hours are more flexible. Don’t get me wrong, there are just a lot more working hours. If tellers are said to be "fried quickly", the job of a loan officer is "simmered slowly". It is also normal to work overtime to compile information and write investigation reports. Many times, people are resting and their brains are not resting.

From a risk perspective, because there are no strict standards for credit investigation and review, this means that credit opinions must be subject to subjective judgments. Once credit risk arises, loan officers are largely responsible for their opinions. Therefore, a good loan officer not only needs the irrigation of knowledge, but also the accumulation of time and experience.

In terms of promotion, most outstanding bank managers come from the loan officer sequence. Proficiency in credit knowledge is the basis for communication and negotiation with customers. If you want to make a profit, you need to be able to tailor your financing plan to your needs. After all, financing is the key for banks to turn customers into loyal customers.

There is no distinction between high and low in banking work. No matter which position you are engaged in, hard work is king. Whether it is a good position depends on the individual's actual situation.