As the saying goes: know yourself and know yourself, and you will win every battle. But now many credit managers have a problem, that is, they know little about the bank's credit products except their own products.

In fact, the products that can handle loans on the market are not complicated, and there are not so many product lines. It is nothing more than wage credit, commercial credit, real estate credit, social security provident fund credit, mortgage vehicle credit, policy credit, secondary mortgage of real estate, automobile mortgage, corporate financing and so on. As long as the credit manager summarizes the business for the customer, he can find the commonality of credit products.

However, in practice, many credit managers are often unfamiliar with the bank's credit products. When visiting customers, their words failed to convey their meaning, and customers could not get professional services from the credit manager. Over time, they will have doubts and distrust about the introduction of credit managers.

Therefore, the credit manager should be very familiar with the bank's credit products in the marketing process, so that customers can feel that you are very professional and can be his credit consultant, so that customers can rely on you, trust you at ease, increase their loyalty, and at the same time establish a good impression of the bank in the eyes of customers.

Second, do not understand the needs of customers.

Understanding the needs of customers has become a commonplace topic. However, in the actual credit business, there are indeed many credit managers who don't know the needs of customers thoroughly enough. After a general understanding of customers' ideas, they began to ask customers to submit information and take the loan process, but this practice has certain risks.

Without a thorough understanding of customers' needs, the risks of banks will not be well controlled, and unreasonable situations may occur when designing credit schemes for customers.