1. Strong professional knowledge and business skills.
In the process of handling credit business, we must firmly grasp the following five points: 1, carefully examine the license, 2, choose the correct text, 3, fill in the contents, 4, sign and seal, 5, straighten out the procedures.
2. Rich relevant knowledge
A qualified loan officer should not only have proficient professional theories and knowledge, but also have rich relevant knowledge, which is more conducive to the smooth development of credit work.
3. You should have interpersonal skills.
Have a keen intuition and understanding of customers' personality, emotions and needs. Good endurance and ability to cope with interpersonal pressure, able to flexibly use a variety of interpersonal skills and methods for different situations and different communication objects; When interacting with customers, they can show their understanding and concern for customers; Have strong emotional control ability, be flexible and bear greater psychological pressure in the process of fighting for the rights and interests of enterprises.
4. Ability to observe and judge
Refers to the ability to observe customer quality through customer behavior and social relations; Objective judgment; Be good at observing words and feelings; Collect information from many parties and verify your judgment accurately. Whether the loan can be repaid in time depends largely on the customer's willingness to repay, and the willingness to repay depends largely on the customer's personality. Therefore, before the loan is issued, we should focus on the customer's character. Generally, a loan will not take more than one week from application to issuance. In this short period of time, loan officers should timely and accurately grasp the personality and character of customers.
5. Pressure resistance
Small business loan officers are under great pressure of performance, so they need to maintain a good positive attitude, overcome difficulties, adjust their emotions in time and maintain sufficient confidence. In particular, overdue customers need patience and endurance, as well as good pressure resistance. If they don't touch the bottom line of personality and make unreasonable and insulting language attacks on each other, they should turn a blind eye and turn a deaf ear. Really no, you can only use extreme means to extraordinary people.
have all one's marbles
Loan officers should have a certain mind and be good at analysis and thinking. In the work of credit management, some enterprises may whitewash their financial statements to cover up their real financial situation and operating results for their own benefit. At this time, the loan officer should use his knowledge to identify and analyze the problems, so as to have a correct and comprehensive understanding of the business situation of the enterprise. If you can't clearly understand the operating conditions of the customer's enterprise, you will rush to borrow money and finally can't recover the loan, which will bring great risks to the company.
The loan salesman of Chongqing Zhongsheng Small Loan Company is looking for resources by himself or by the company. What should the loan salesman do? . When she tried to remember.
About the loan salesman! A good job, many people can't go if they want to, and they are responsible for loan procedures review, mortgage registration, loan repayment collection and so on.
What problems should be paid attention to in microfinance business? Microfinance business should pay attention to the following points:
Point 1: When applying for small loans, we should also examine and evaluate the repayment ability.
Although it is called a small amount, it is also a loan. All loans, whether bank loans or private loans, need your repayment ability, that is to say, those who claim to be able to lend you unconditionally must be liars or pretenders. In addition, for applicants, don't think that microfinance has no financial pressure. If you can't repay in time, you may violate national laws and regulations and be taken to court by microfinance companies. Therefore, it is important for both lending institutions and applicants to investigate and evaluate the repayment ability.
Point 2: Choose a formal lending institution to prevent being cheated.
There are many companies and institutions engaged in microfinance business in the market, among which there are mixed fish and dragons. As a loan applicant, you must choose carefully to prevent fraud. If you choose a lending institution, the other party may be an illegal institution: if it is more than twice the benchmark interest rate in the same period, it is already an illegal institution; See if there is any charge before the loan. If it is charged in the name of various fees and interest, it is problematic in nine cases out of ten. See if there are any suspicious signs such as remittance to pay interest, charging excessive interest for various reasons before lending, and not signing any contract.
The third point: pay attention to relevant policies and regulations and see if you can find some intimate policies to get preferential treatment.
There are many microfinance support policies for entrepreneurial women in various places. Whether it meets the requirements needs to be clear, otherwise it may waste a lot of time.
Small loan salesmen are relatively free to work. Mainly looking for customers, you can accumulate your customer resources. As long as you put your heart into it, you can do it well, and if you do it well, you will have a future.
Loan salesmen collect money. It's just a lack of loans. There are many people who make money from you instead of me now. Do you want to learn about loans?
How difficult it is for financial loan salesmen to do this now. They basically accept the early stage. When people heard that there was an early stage, many people stopped contacting them.
There is no difference between a credit salesman and a loan salesman. They all lend money to others, whether there is a mortgage loan, that is, a credit loan, whether there is a mortgage loan, such as mortgage of real estate or automobile products. Credit refers to the borrower's own personal credit and repayment ability, and loans can be made without mortgage, no matter where he works.