Loan officer's work summary report 1
Time flies. In a blink of an eye, I have been working in China Agricultural Bank for one year. From school to society, from summer to winter, in this short year, I learned a lot and realized a lot. Let me summarize my work during the probation period since I entered the business:
The first induction lesson begins with induction training. Although the time schedule of induction training is quite tight, induction training is of great significance to our newcomers. Through on-the-job training, I learned about the corporate culture of Agricultural Bank of China, learned the basic knowledge of bank, company and financial management, cultivated team consciousness and realized the importance of communication. Induction training has benefited me a lot.
After a short induction training, I began to study counter business in Renmin Road Savings Office of Chongming County Branch. When I first went to the counter, I always felt in a hurry and was at a loss for customers' questions. With the sincere help and patient guidance of my master and colleagues, I study and consult with an open mind and take notes carefully. Soon, I learned the basic counter business such as deposit and withdrawal, loss reporting, foreign exchange trading, and deposit account opening. At the same time, I also realize that the counter business of the bank seems to be simple and repetitive, but in fact it needs the teller to be careful, patient and responsible: handle every business carefully, serve every customer patiently, always remember the responsibility of work and be responsible for every customer.
In the final analysis, banking belongs to the service industry, and for banks, each outlet is the first window to serve customers, and its service quality plays a vital role in the development of banks. Therefore, it is particularly important to do a good job of service. At work, I always keep in mind the importance of standardized service, treat people with a smile, use polite language, think about what customers think, worry about their worries, take customers as the center, and strive to make customers happy and satisfied.
Do a good job at the counter, and all skills must meet the standards. For me, I need to practice every skill of counting money, calculator, Chinese entry and personal gold business. With the help of my colleagues in the outlets, under the training guidance of the comprehensive management department and my own efforts, my skill level has been gradually improved, and the efficiency of handling business at the counter has also been improved. The level of skills depends entirely on the degree of effort. Therefore, in my future work, I will continue to practice my internal skills and strive for continuous progress.
Working in a bank is risky, so it is particularly important to conscientiously implement and abide by various rules and regulations, which is also a manifestation of a sense of responsibility. As a teller, I work in strict accordance with the relevant rules and regulations of Agricultural Bank of China. Whether it is the business process, or the use and storage of seals and vouchers, it is strictly in accordance with the requirements. In the long run, I consciously develop a cautious work style and try my best to reduce the risks in my work.
Marketing is also an important part of counter work. Because intermediary businesses such as funds and insurance are also one of the main sources of bank profits, marketing is the part that can create bright spots and profits in our counter work. In order to better carry out counter marketing, I learned the relevant basic knowledge and established the corresponding financial awareness. In outdoor marketing, I mainly take root in big markets and office buildings, and promote bank payment services to merchants along the street. At the same time, I explore potential customers with financial needs and financing, leave their contact information and introduce them to our professional financial managers and loan officers to really do cross-marketing work.
During the one-year internship, I learned a lot of new knowledge, and at the same time, I realized that I still have many immature aspects to improve. In my future work, I will continue to
Adhering to the spirit of being down-to-earth, maintaining the enthusiasm for learning, maintaining the correct attitude, doing things with heart, standing on the post, being honest and honest, sincerely serving and dedicating, and striving to grow and develop together with ABC in the spirit of pursuing Excellence.
Summary report of loan officer's work II
I am a loan officer of _ _ sub-branch. I have investigated the number of loan customers and successfully got _ _ loans with a loan amount of _ _ million yuan. All loans are normal loans. The hard course of free credit from scratch. I think I have the following experiences;
Facing the position of loan officer, I was really timid at first. Since 1993 joined the work, I need to go to the customer's home every three days to learn about the customer's basic situation and business information, investigate and master the customer's loan purpose and repayment willingness, and analyze the customer's repayment ability. These are really too difficult for me who is not good at communicating with people. In the first month, I have been thinking, what should I do if I can't get the money out? Sometimes I quit my job and think it's better to continue to do my old job.
After learning about the general mentality of loan officers, the leaders of branches talked to everyone in time to emancipate their minds and put down their burdens, saying, "Don't deny yourself easily before you do it, and you will definitely like the post of credit gradually." The patient guidance of the leaders and the description of the development prospects have made everyone gradually emboldened in their work. The ideological worries were eliminated and the whole team began to have vitality. Like everyone else, I was greatly encouraged and made up my mind to learn from scratch.
Through professional training and self-study, I gradually mastered the microfinance business and operation process.
Through the vigorous publicity in the early stage of the sub-branch, some customers in need began to come to consult one after another, and I also welcomed the first loan customer. That day, with mixed feelings, another colleague and I took the bus for an hour and a half to _ _ village. This customer is a farmer, with more than ten years of breeding history, and knows the market very well. At the customer's home, after I introduced myself, I began to ask questions item by item according to the investigation order required during training. Because it is the first time to communicate with customers on "marketing", I don't know enough about the industry, so I feel very nervous. After asking for less than 20 minutes, the customer suddenly said, "I won't lend, so go, just borrow some money from your bank, just like trying a prisoner." As soon as I saw it, I explained it quickly, but the farmer just didn't cooperate. Helpless, my colleagues and I were disappointed, and the first marketing "abortion".
On the way back, I recalled the scene over and over again and asked my colleagues how they felt. After analysis, I found the answer: the problem is not the customer, but I can't communicate with the customer at all, and I don't understand the needs and difficulties of the other party, which has caused an embarrassing situation.
Ask yourself, if you are always so bad at communicating with customers, who will dare to come to me for a loan in the future? No, you must change it and practice from the beginning! From then on, after work every day, I went to the streets with my colleagues to publicize, chat with small businesses and practice introducing loan business; After work, I also visit relatives and friends, introduce bank microfinance, and take them as practical objects. Where there is a will, there is a way. Now I feel that my communication skills have been greatly improved. How to integrate the bank's microfinance into the local economy has become an important breakthrough in the credit work of sub-branches. According to our research, the development of credit village will be the key customer development of future sub-branches. It is our primary task to deeply understand and master the management situation and laws of farmers and understand the industry as soon as possible. Find several farmers through relatives and get to know the situation with colleagues on the spot. After a long time, I gradually got used to this kind of work.
Although my work performance for half a year is not ideal, I deeply feel that my work cannot be separated from the care and support of the leaders and the credit department team. At the same time, I would like to thank my family who have been supporting my work in obscurity. I will strive to be a qualified bank loan officer with the professionalism of "caring for everyone".
Summary report of loan officer's work 3
With the end of _ _ _ quietly approaching, I have been working for a year. From the initial lack of confidence in business skills to the fact that I can analyze the credit business alone now, what happened really benefited me a lot. Looking back on this year's work, with the care of bank 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. Now let me sum up the experience and experience of this year.
First, the canal is required to be so clear, because there is running water at the source.
No matter what occupation you are engaged in, you need to keep learning and get fresh "source water" in thought, culture and business. Only in this way can they make continuous progress and keep clear water.
Facing the position of loan officer, I was still 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 loan purpose and repayment willingness of customers, and analyze the repayment ability of customers. For me who only attended a few days of training. At first, I kept thinking, I made a mistake in my analysis. What should I do if I throw the money out? So I often call the master of Ordos corporation for advice during training. Communicate your doubts with them, and think and summarize yourself after getting a serious answer. Learning in practice has given me a new understanding of credit work and increased my confidence.
At the same time, I deeply feel my own shortcomings in this respect. It is not enough to learn from practice, but also to supplement your theoretical knowledge. So I actively use my spare time to strengthen the study of financial theory and business knowledge, and constantly enrich myself. Actively participate in all kinds of training provided by banks, integrate all kinds of learning materials issued by banks, apply what they have learned, read financial books in their spare time and refer to successful credit cases.
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.
Second, based on their own progress, and strive to water the credit.
I love my job. I can take every task seriously and reflect the country's financial policy flexibly in my work. 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, I have United my colleagues, obeyed the arrangement of the leaders, and actively done my job.
2. Strengthen awareness and actively market loans. After coming into contact with the credit work, I constantly strengthened the awareness of loan marketing, broke away from the idea of "being afraid of loans", looked for borrowers with good benefits, actively conducted market research on borrowers on the premise of ensuring the quality of credit assets, and gave credit support to individual industrial and commercial households with market and credit.
3. Adhere to the principle of credit and do a good job in credit investigation. I know that the quality of credit assets is related to our business development plan, and the responsibility is more important than Mount Tai, so we can't be careless at all. Over the past year, a careful investigation has been made 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; Pass inventory check and current account purpose check.
Field visits to 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 lending and not lending, 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 lenders and guarantors must be present to verify and sign, and strangers should be regarded as acquaintances, thus ensuring the compliance and legality of loan issuance.
4. Strengthen management and strive to recover all loans. Collect overdue loans, make a detailed investigation of customers' operation in the current year, understand customers' income, and ensure the timely recovery of due loans.
Third, the road is long, and I will go up and down.
The year's work has gradually come to an end, and some achievements can't be achieved without the strong support of CDB 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. The road to glory is long, Xiu Yuan, and I'm in the ups and downs.
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 operating efficiency and the completion of various objectives and tasks in the coming year.
Summary report of loan officer's work 4
This year, under the unified arrangement of the leaders of the Bank and the Credit Department, the whole bank made concerted efforts with Qi Xin, focusing on accelerating development, expanding the scale of deposits and loans and improving the quality of assets, focusing on strengthening credit management, and based on the implementation of various credit systems. After the competition activities such as "_ _" in the first quarter and "_ _ _" in the second quarter, the operating performance of _ _ Sub-branch increased steadily. The balance of various loans was RMB million, an increase of RMB million compared with the beginning of the year, with loan-to-deposit ratio accounting for%. The balance of non-performing loans was million yuan, a decrease of million yuan compared with the beginning of the year; The amount of handling bank acceptance bills is _ ten thousand yuan; Preferential amount _ ten thousand yuan; Interest income _ ten thousand yuan, one year profit _ ten thousand yuan. The objectives and tasks assigned by superiors have been fully completed, and credit management has gradually become standardized and institutionalized.
I. Completion of various indicators
Conscientiously implement the policy, strictly follow the requirements of standardized management, earnestly strengthen the basic work of credit, and ensure the completion of various indicators.
Over the past year, the Bank has earnestly studied and profoundly understood the spirit of the meetings and documents of the Head Office, timely analyzed the situation, conscientiously implemented policies, strictly supervised enterprises, standardized internal management, and effectively prevented risks, which not only improved the credit management level, but also laid a solid foundation for ensuring the completion of various business responsibility assessment indicators throughout the year. In terms of loan delivery, the sub-branch attaches great importance to the risk management of loan delivery and has taken the following measures:
(1) Strictly implement the guidance on credit risk control issued by the Head Office, further control credit risk and standardize credit granting behavior. The pre-loan investigation and approval procedures were tightened, and the scope and requirements of the pre-loan investigation for credit personnel were clarified to ensure that the credit investigation materials were true and effective.
(2) Strictly control the credit risk, strictly implement the credit risk prevention and control management system, fully implement the separation of loan review, standardize the loan review meeting, implement the regular meeting system of loan review, hold meetings in strict accordance with the procedures of loan review meeting, and clarify the responsibilities of the main responsible persons in each link.
(3) Carry out the post-loan inspection in a down-to-earth and meticulous manner, regularly and irregularly check and analyze the business status and mortgage and pledge of the enterprise, and carefully fill in the post-loan management form.
(4) Do a good job in the five-level classification of loans, formulate detailed rules for the implementation of the five-level classification, uniformly classify customers, and improve the quality of credit management.
(5) For working capital loans, discount loans and acceptance bills, the unified investigation and approval format of the Head Office should be strictly implemented in the process of approval, so as to effectively control the credit risk from the source.
(6) Actively cooperate with the Credit Department of the Head Office to conduct credit inspection. No irregularities were found during the inspection, and the credit work was affirmed and praised.
Second, seize market share.
Seize market share, strengthen capital strength and enhance development potential through credit leverage.
This year, our branch continued to write articles on developing credit business, carrying out credit marketing and actively organizing deposits. , conscientiously do a good job in the return visit of large households, pay close attention to and master the fund operation and operation of loan units; Vigorously organize deposits, actively develop business and tap customers.
1 year, our credit funds were mainly invested in high-quality enterprises and large and medium-sized projects, and we continued to support high-quality enterprises with good credit, good operation and good benefits. Such as _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ It not only reduces the business risk, but also achieves good social benefits.
2. This year, the bank insisted on diversification of business development, accelerated the development of bill discount business, and focused on increasing the credit line for high-quality customers, which not only reduced the overall risk of loans, but also brought rich interest income. With the implementation of relatively independent accounting, the economic benefits have been significantly improved. This year's 1 month interest income is RMB _ 10,000, exceeding last year's income level, realizing a profit of RMB _ 10,000, effectively enhancing the financial strength and enhancing the development potential.
Third, develop business space.
Strengthen credit marketing, constantly open up business space and accelerate the pace of business development.
1. This year, our bank has made some breakthroughs in credit business, especially in automobile consumption loans. Our bank also pays special attention to strengthening cooperation between banks and enterprises and coordinating the relationship between banks and enterprises. According to the development of the form and the needs of practical work, actively carry out investigation and research, exchange information with enterprises, strengthen understanding and cooperation, negotiate solutions to problems, increase support for enterprises, and build a new relationship between banks and enterprises. In _ month, our bank held a networking event with the city automobile sales co., Ltd., which strengthened the communication and understanding between banks and enterprises and established a profound cooperative relationship between banks and enterprises.
2. This year, the Bank further improved its understanding of credit marketing, continuously promoted the construction of civilized credit projects, seized the market share to the maximum extent, established a stable customer base, intensified its marketing efforts, summarized the work of loan officers in private economy and resident banks, selected individual enterprises and urban residents with good credit and strong repayment ability as the credit marketing targets of the Bank, and combined credit marketing with green and civilized credit ecological projects to build the Bank through a series of social and civilized credit creation activities.
Fourth, improve the internal management mechanism.
Establish and improve the internal management mechanism, operate in an orderly manner, improve work efficiency and promote business development.
While constantly strengthening and improving the daily credit work, our bank also pays attention to strengthening the business learning of credit personnel, so as to make the business operation handy and improve the quality and efficiency of work. Do a good job in filing and carrying forward credit data, implement one file for each household, and establish a complete customer information file system for timely reference and call. For credit ledgers and statements, it can reflect the data completely and accurately, report the statements in time, do a good job in credit registration and provide information in time. While doing a good job in management, the bank constantly strengthens service awareness, improves service means, actively carries out high-quality and civilized services, establishes a "window" image, retains depositors with services, attracts deposits with enthusiasm, always serves customers better with the spirit that customers are God, improves external image, and promotes business development with high-quality services.
Five, next year's work ideas
1, based on the current situation, do a good job in all stages, and on the basis of this year, it will be fully launched next year.
Next year, we will do a good job in the arrangement and implementation of various credit businesses. For the projects we are interested in this year, we will try our best to do well next year. For example, do a good job in the mortgage of commercial housing, do a good job in the return visit of large households, strengthen the statistics of capital withdrawal of loan enterprises, consolidate old customers, develop new customers, carry out credit marketing in an all-round way, and strive to complete various indicators and tasks of credit business.
2, do a good job of enterprise credit rating, to provide a scientific basis for credit decision.
Seriously investigate and verify the enterprise's situation, carry out the enterprise credit rating work, seriously study and deeply understand the relevant documents and the credit rating management measures of the head office, strictly follow the unified standards and calculation methods stipulated by the head office, ensure the objective, fair and accurate evaluation of the enterprise's credit rating, truly reflect the enterprise's management, financial situation and reputation, and establish a basic basis for banks to measure the risk tolerance of enterprises with accounts and implement the credit access mechanism.
3. Summarize experience and strengthen management.
Further strengthen the basic management of credit, strengthen the integrity, accuracy, compliance and confidentiality management of credit files according to the inspection requirements of the Credit Department of the Head Office, and establish and improve the credit business ledger, credit ledger, mortgage and pledge ledger and non-performing loan supervision ledger. Establish the best combination of sub-branch management objectives to ensure that the asset quality of sub-branches remains stable.
Although some achievements have been made in this year's work, there is still a certain distance from the requirements of the leaders of the bank. We calmly analyzed the existing shortcomings. First, the standardized management of business needs to be further strengthened, and the system stipulates that it should be fully implemented in all positions and links of business work; Second, the scope of business development needs to be continuously expanded, and the fields involved should be broader and deeper to promote the rapid and sustainable development of business. The above issues will be the focus of the bank's future work. In the future, we will strictly strengthen management, constantly explore new business areas, have high standards and strict requirements, and constantly improve and improve under the correct guidance of the bank leaders and the Credit Department, and strive to do all the work next year.
Summary report of loan officer's work 5
How time flies! It will be the end of the year in a blink of an eye. As of today, I have just worked in our bank for nine 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 microfinance position can I understand what growth is. 20 12 is almost over, and now I'm the only one.
I. Work Performance Report
From knowing nothing about micro-loans, to being able to independently complete a survey, learning step by step, and accumulating bit by bit, today, I have issued a total of 2.99 million loans, traded 17 transactions, and marketed 74 customers, with no overdue customers. Although this achievement is far from the assessment of bank leaders and my own requirements, I am glad that I can start from scratch.
Second, review the work that has been done.
I am honored to be the first batch of microfinance account managers of our bank. Of course, as the first batch, I have to pay more hardships and efforts. The training in Guiyang, which started in March, made me realize the particularity of microfinance. It's not my traditional idea that a bank works in an office. On the contrary, microfinance account managers shuttle through the streets and high-rise buildings in the city. Micro-loan is both a science and a technology with rigorous thinking, effective communication and keen judgment. With the help of a training teacher, I have basically mastered the micro-loan technology and can independently complete the investigation within 200,000. However, it will take three to five years to master this technology and become a mature account manager. After three weeks of training in Guiyang, I returned to Guangyuan in mid-April and began to investigate the Guangyuan market. Through 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 Guangyuan City, which has laid a certain foundation for the launch and market promotion of our microfinance products. After the leaflet of microfinance was printed in May, we went to the market again. Don't miss every small shop and stall, let our micro-loan products appear in Guangyuan market in the fastest time, and the effect is also remarkable. Customers come to our bank to consult and apply for loans. In June, we officially started work, and it was also the time 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 nine months, although I have made some progress in my work, 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 resource I have is Guangyuan.
The list of members of the Municipal Chamber of Commerce and Trade and the list of customers who borrowed money from the downstream, but these are far from enough. We should dig deep into customers' resources and make specific marketing plans according to different industries and markets. Third, improve your work initiative, be down-to-earth, do more and talk less, improve and improve yourself in practice, improve working methods, and greatly improve work efficiency.
Fourth, look ahead.
The year of _ _ will be another brand-new beginning. I set my total loan target at 7 million yuan, an increase of 6.5438 million yuan on the basis of 2065.438+02. I didn't set my goal too high, because I knew that no matter what I set for myself, I would make the same effort. I hope I can achieve my goal, surpass my goal, and realize an ideal next year.
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