Loan work, including the work of drawing deposits, actually requires good connections and networks. If not, you need to run as much business as possible, make more phone calls, run more customers, contact more strange customers and explore for yourself. If it really doesn't work, I suggest resigning and finding another job. This job is not so easy to do. On the one hand, it needs strong contacts, on the other hand, it needs social and social skills, which is not so easy for newcomers. But if you can stick to it, it will be a good exercise for your ability.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans and discounts.

A general term for borrowing funds such as overdraft. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

Loan refers to the financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).

What about the work of the credit specialist? Is it easy to do?

This job is ok. The job of credit specialist will be difficult at first, but if it can be honed and persisted in the early stage, it will be of great help to personal ability, contacts and development, and bring considerable benefits to the company.

Bank loan officers have strict performance appraisal. Those with good performance can be promoted, those with poor performance will be demoted, and some even terminate their labor contracts because of poor performance. Therefore, some loan officers often ask for job-hopping and go to teller positions because they can't bear the performance pressure.

Loan officers not only lend money, but also undertake intermediary business such as customer deposits and loans to maintain customer relations. They should have strong public relations ability and systematic marketing strategy, and have a strong sense of service, and can actively mobilize the resources of commercial banks to provide customers with all-round and integrated services.

Extended data

Skills of being a loan officer

The conventional exhibition methods of loan officers include telemarketing, sending orders, inserting cars, strangers, etc. However, if you want to have more customers, just using these methods is not enough. You must find ways to continuously expand your contacts and information sources.

The most taboo to do credit is "house". I suggest you go out to participate in some activities outside the industry when you are free. Such as playing ball games, getting together with old friends, joining various societies and clubs, etc. Through these activities, you can make many friends. Although these friends are not very helpful to our work at ordinary times, once there is a loan demand, they will think of you for the first time and bring you a lot of economic benefits.

Is the loan company easy to handle?

The loan industry is not easy to do, as most people know, because there are two kinds of loans. One is the loans issued by formal financial companies themselves. In this case, the amount of loans involved will be relatively large, and the procedures will be cumbersome, making it difficult for customers. The other is similar to online lending. This kind of existence, if it is that kind of telemarketing, is even more difficult in itself.

You can do loan business, but you must go to a formal company, which depends on the size of the company and how long it has been established. If it was established in recent years, you have to think about the development prospects of such a small company after you go. What kind of loan do you make? To put it bluntly, you can do sales with similar sales performance, and you can be a sales supervisor at the highest. What do you think you can do? Do you think sales is a job that requires special knowledge? He is not any job. If he has no threshold, then he has no room for improvement.

The more professional knowledge a job needs, the more abilities it needs. The threshold requires you to have a clear room for promotion. If you get a loan, you can do well when you are young. It's no problem to earn 18 thousand a month, but can you keep doing this? You have made a loan for three years, which is equivalent to sales. Have you learned any professional knowledge? You can't sell it forever. Those young years are only a few years of study, so we should do some serious work with future career development prospects.

Telemarketing loans are even more untouchable, because telemarketing itself is a very difficult job. If you don't make money, you will get bored easily. If you call others every day and someone calls you to promote loans, are you also very upset? When you meet someone with a good temper, you may say don't hang up. It's perfectly normal for you to meet someone with a bad temper and scold you. Therefore, it is not easy to sell electricity. We don't deny that there are people who make a lot of money, but that's only a few people.

How's work?

My friend, that's what I do. The work is actually easy to do. It may be a little difficult when there are no resources in the early stage, but it will be easier after we get started. We don't usually go out to socialize, and there's nothing to socialize with. Generally, the average working hours are between 6K and 10K, and our colleague deducted 7K tax last month. How to say this industry, it can still be done in recent years, but the future is really uncertain, and at the end of the year, the bosses of some small and medium-sized enterprises are more or less short of money. Hope to adopt.

Is loan sales easy to do?

Loan sales should still be easy to do. Loan sales are equivalent to loan officers, that is, salesmen who specialize in lending. This job is easy to do, after all, banks hold funds, and now many small and medium-sized enterprises are short of money; It's hard to say. It's hard to do. You put the money out, and it is the last word to get it back. Otherwise, if you lose the principal for a little interest, it will be a big loss. So it is difficult to find a suitable credit customer. The salary of the credit account manager is linked to the loan interest. If the loan can't be collected, it will be miserable. The survival salary will be paid and the rest of the reward performance will be deducted. 10000 yuan or more may be done well, but it is difficult to make a difference at 2000 points.

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Earn industry sales:

1, Internet marketing industry, the rise and development of the Internet in China has made the online sales in China reach an unprecedented level and height. Look at Taobao's daily sales breakthrough of 1000 billion, and you can see the power of online sales, which is unmatched by ordinary practices. However, this kind of online sales needs innovative thinking in the new era and new media, rather than sticking to the original traditional model.

2. In fact, "5G" is a hot word on the Internet in recent two years. Almost everyone has heard of it, but it seems to have little to do with their own lives. In fact, in recent years, it has been the "peak period" for the development of the 5G industry. At present, China, as the "leader" of the development of the 5G industry, still has a long way to go.

3. Health insurance industry. With the change of population structure and the improvement of living standards, there will be more and more elderly people, and the public will pay more and more attention to the life of providing for the aged, so this sales industry will have more and more prospects.

4. Tourism health industry sales. With the development of social economy, people pay more and more attention to spiritual enjoyment, so tourism has become a way for everyone to yearn for freedom. Then the industry of healthy travel and healthy tourism has also flourished in recent years, so if this industry is recommended to demanders, it will become the highlight of sales.