At first, the bank currency exchange industry only engaged in coin exchange business. Later, it kept currency, received and paid cash on behalf of merchants. In this way, exchange merchants gradually gathered a large amount of currency funds in their hands, and they became money exchangers and engaged in lending business. , the currency exchange industry developed into the banking industry. Now I will bring you my 2022 bank clerk work experience, I hope it can help everyone!
2022 bank clerk work experience 1
Per person per day The average business volume is 200, and the number of customers received is about 200. My position is the service window of the Bank of Communications, and everything I say and do represents the image of the unit. Therefore, I am not allowed to be sloppy or lax in my work. I need to operate in strict accordance with the bank's rules and regulations and be meticulous. , implement it from beginning to end. Through the "Eight Major Links of Service" that our bank studied in October, I learned how to better improve work efficiency and service quality. With my unremitting efforts, I personally did not have any liability accidents in 20__. Throughout the year, we handled more than 50 wealth management cards, more than 10 Ward cards, more than 20 credit cards, and more than 800,000 wealth management products for customers. I am full of desire and enthusiasm for learning new knowledge and do everything possible to improve my professional quality. Whenever I need to work overtime to develop new business in the industry, I will be the first to stand up. No matter what time I work overtime, I will never complain. Because I know that this is the trust placed in me by the unit leaders. I will actively take advantage of every opportunity to learn new business, do a good job in testing various new businesses, and not hinder the work of the entire branch. With this idea, I completed every job assigned by the unit very well, and was well received by my colleagues. The Xiamen Road branch where I work is the "Youth Civilization" of the branch. As the leader of the branch said: "BoCom is a big family that respects and loves each other. The relationship between comrades is harmonious, whether at work or in school." In life, comrades should be like a family without any conflicts. Even if they have opinions, they are differences at work. Such opinions mean that our work level is constantly improving. ”
For the industry. To have a good service attitude, you must have a good temper. Only in this way can you do this job well. Although my temper was a bit bad before, I have gradually become mature as my work experience increases. Now, I insist on demanding myself according to the standards of "Youth Civilization". Therefore, I have rarely received complaints from customers this year. When customers usually have different views on our work, I will also tell customers what they don't understand. Things are explained clearly so that customers return home satisfied.
2022 Bank Salesperson Work Experience 2
In __, under the correct leadership of the party committee and president’s office of the superior bank and branch branch, the business department took the power of gathering people and innovation Service is the starting point, bold management, truth-seeking and pragmatic. The various tasks assigned by the branch were successfully completed. Corporate deposits were RMB 10,000, a net increase of RMB 10,000 compared with the beginning of the year, daily average deposits were RMB 10,000, and savings deposits were a net increase of RMB 10,000. Here is a summary of the past year’s work:
1. Gather people’s hearts and create a high-quality team
Thoughts are the guide to action. A distracted mind will accomplish nothing. The people in the Sales Department Director's Office are deeply aware of this. Therefore, we will put people's unity in a prominent position.
1. Take the lead in setting an example, and correct others first. Members of the director's office lead by example, strengthen learning, and be model advocates, organizers, and practitioners of learning. Be a role model for others, be upright and honest, cultivate virtue with frugality, and influence every employee with your own quality. We always adhere to the principles of fairness and impartiality in our work, do not engage in estrangement or cliques, and strive to achieve a balanced outcome. Encourage employees to put forward more opinions and adopt them as long as they are reasonable. Fully mobilize the enthusiasm of employees to participate. On the sensitive issue of performance distribution, we should make it public and enhance transparency. Make sure every employee feels at ease and feels comfortable.
2. Give full play to the exemplary and leading role of party members. The sales department currently has 29 employees, including 13 party members. The role of party members among the masses is particularly important in the sales department.
The party branch of the business department analyzes the goals and tasks assigned by the branch, and has a unified understanding to ensure that every party member is a benchmark and give full play to the role of the grassroots party branch as a battle fortress. With party members playing an exemplary role in fighting, we will actively cultivate reserve forces and attract outstanding employees to move closer to the organization.
2. Create excellence in service and win through strategic planning
Service innovation is an eternal theme of bank work. Only by strengthening services can we win the market and create benefits. A team of people from the Sales Department Director's Office responded to the call of the Municipal Branch and the Rugao Municipal Government and actively participated in the activities of creating a "civilized and honest" window, raising the service level of the Sales Department to a new level. Our department’s advanced practices have been reported on Nantong ICBC Online News and Rugao Daily. Provincial news will be reproduced on the Internet.
1. The Director's Office of Employee Professional Ethics Education takes the opportunity of creating a "civilized window" and regularly organizes employees to learn the "Basic Competencies and Service Behavior Standards for Employees of the Industrial and Commercial Bank of China" and "Standardized Business Standardization of the Industrial and Commercial Bank of China" Service Standards", and other rules and regulations, constantly standardize the service words and deeds of employees, and encourage employees to strictly abide by the "Eight Musts, Nine Don's, and Ten Do's", truly treat customers as their parents, advocate "careful" service, and treat customers as relatives and friend. Employee Zhang Yan was able to use the standard "three tones, two stops, and one smile" in counter service, and was commended many times in the city branch's open and covert inspections.
2. Pay close attention to the assessment and incentive mechanism. First, establish a reward and punishment file for employees’ high-quality and civilized services, and include employee service performance in annual evaluation and selection and other assessment content, which enhances employees’ awareness of worries and improves employees’ service consciousness. The second is to establish an assessment mechanism that links service quality with business volume, and create a fair competition mechanism of "more work, more gain, less work, less gain", forming a good situation in which employees across the bank "compete" and "grab" business . The third is to establish a review mechanism for each outlet, account manager, and customer. The person in charge of the branch will evaluate the warehouse management and handling personnel, and the customers and account managers will evaluate the counter personnel. From the accountants, cashiers, and warehouse handling personnel, one person will each be selected for outstanding service and be rewarded quarterly. The fourth is to set up a high-quality civilized service award fund to commend the advanced and encourage the backward.
3. Do a good job in providing services to relevant departments. The sales department is not only an independent service department, but also the hub between the branch and various outlets. Actively cooperate with account managers to complete various loan disbursements and fund withdrawals. In August of this year, we actively cooperated with the account manager to handle factoring business for the first time in the province worth __ million, and achieved economic benefits of ____.
3. Be truthful and pragmatic, and bravely expand the market
"Development is the last word." Without market development, nothing will happen. At the beginning of the year, based on the branch's market orientation, service as a means, customer-centered spirit, and combined with the specific situation of the business department, the director's office established a working idea of ??asking for deposits from the market and tapping deposits from other banks. Set a target and don’t give up until you reach your goal.
1. Comprehensively straighten out the status of account-opening units in the sales department, establish large account accounts, and visit regularly. The competition among modern banks is the competition between products and services. The sales department implements personalized services based on different customers, continues to provide door-to-door services to large customers such as the People's Hospital, Salt Industry Company, and Traditional Chinese Medicine Hospital, and recommends the fast settlement method of our bank's online banking to units with frequent settlements. Currently, an online banking account has been opened.
2. Excellent service and superior love Nantian Investment Management Company is a client I won over in August. As a banker, you must have a professional sensitivity. When the director's office learned that __Businessman___ and other 14 bosses were raising funds to prepare the property rights of Nantian Group, they immediately inquired more and contacted Liu Zhengguang and others, and asked They introduced our bank's service and settlement advantages, and won the trust of Nantian people with their sincerity. On August 8, I decided to come to our department to open an account and put in the registered capital of __ million.
3. Work together to tap deposit sources and arrange for Zhou Shanhua, who has strong activity capabilities, to specialize in marketing, effectively enriching the power of public deposits. Employees are also encouraged to contribute ideas and suggestions. Reward measures were also formulated to effectively stimulate employees' enthusiasm for deposits. Employee Shen Jianhua used his lover's relationship in the army to actively collect 1.5 million in deposits.
4. Actively cooperate with the account manager to provide good service. In August this year, Jiangsu Hongxing Silk Textile Group was forced to restructure due to poor management, which involved related issues such as the transfer of loans from our bank. Our department actively cooperates and is responsible for helping resolve relevant procedures. So that our bank's assets can be preserved. The newly registered Jiangsu Dadi Blue Silk Co., Ltd. received a registered capital of 21.58 million for the first time.
2022 Bank Salesperson Work Experience 3
1. As a corporate account manager, you must not only strengthen your study of the 2008 credit policy, but also focus on mastering China Merchants Bank’s “overall credit policy” , Customer and Business Credit Policy, Industry Focus" and other credit policy parts. On this basis, we must do a good job in conveying our bank's policies and corporate selection and classification marketing, and give full play to the responsibilities of the account manager.
1. Strive to improve business skills and strengthen your own risk management awareness. Since the establishment of the branch, I have encountered businesses that I have never actually operated before, such as domestic factoring and development loans. In order to better expand customers, with the support and help of the leaders of the branch’s credit department, I quickly understood and became familiar with this business. The operation mode has further improved the grasp of risks; in addition, in order to strengthen the learning of business skills, he participated in skills training organized by the branch four times in six months.
2. Strengthen customer marketing and do a good job in customer inspection, credit reporting, maintenance, etc. Due to the generally tight banking policies in 2008, the basic branch, which aims to achieve harmony between marketing and risk management, conducted in-depth research on industry development trends and conducted targeted marketing to target customers. During the six months, he participated in the business development of Kunming Suhua Biotechnology Co., Ltd., Yunnan Qifeng Mechanical and Electrical Equipment Co., Ltd., Dianneng Electric Power Fuel Co., Ltd., Yunnan Urban Investment and other companies.
2. Strengthen customer marketing and increase customer base. I have a heavy burden, and my skills, marketing capabilities and experience are far behind the performance of my account manager, so I never dare to take it lightly. I am always learning and summarizing how to do a better job in banking, and keep learning and Through continuous accumulation, I can deal with various problems that arise in daily work relatively calmly. In terms of organizational management ability, comprehensive analysis ability, coordination ability, etc., I have made certain improvements after half a year of training, ensuring the success of all tasks in this position. To operate normally, you can treat various work tasks with a correct attitude, love your job, and work hard to implement it in actual work. Actively improve one's own professional qualities, strive for work initiative, have a strong sense of professionalism and responsibility, and strive to improve work efficiency and work quality.
3. Existing problems and future efforts. Although I am dedicated to my job, actively carry out my work, and have achieved some results, there are also some problems and deficiencies, mainly manifested in:
First, the performance skills are not proficient enough, and some are very good. Customer resources can originally cooperate well, but they are not able to formulate targeted business plans for customers.
Secondly, the existing customer resources have not been thoroughly explored and marketing work targeted at each link of the customer trade chain; it has also not found a suitable intervention for its target customer groups. Chance.
Third, some work is not done in detail enough, and some work coordination is not quite in place. The second half of the year has entered. In response to the above outstanding problems, I will strive to achieve the following points:
First, strengthen learning and improve skills. Only with perfect business skills can we carry out business. Handy and at ease.
Second, while doing your job well, you should actively market, update your concepts, and strive to achieve better performance in return for China Merchants Bank with a good attitude and sense of responsibility.
Third, details determine success or failure. In the future, I will work hard to improve the details of my work, enhance the awareness of cooperation among departments, colleagues, and banks and enterprises, strengthen unity, continuously improve, and strive to do a good job in banking.
2022 Bank Clerk Work Experience 4
Our bank has always adhered to the tenet of "service comes from sincerity" and provides customers with considerate and thoughtful services.
In this process, smile plays an indispensable role. As front-line service staff, ordinary positions, ordinary work, in order to make every customer feel the high-quality service of our bank, colleagues insist on treating every customer with a sincere smile every day, although sometimes they encounter unreasonable customers , but we always insist on patiently explaining to customers with a sincere smile, so that customers can truly feel our sincere service.
An article once said: The purpose of life is to serve, service is a virtue and a kind of happiness; serving others gets the affirmation of self-worth. Through my own personal experience in the work of a lobby manager, I have a certain understanding of service. The seemingly ordinary and ordinary lobby service itself contains rich connotations and values. Just like when I interact with strangers, I like to first ask them where they are from. I feel that people in each place have their own characteristics. This way, I can better communicate with each other after understanding them.
The business department is the window of the bank, and the small window reflects the overall appearance and reputation of the bank. I remember an economist once said, "No matter how humble your job is, you should give it the spirit of an artist and have 120% enthusiasm." Everyone knows that dealing directly with customers is tiring and tedious, but I like this job. I like to see the expressions of customers expecting and leaving with satisfaction; I like to see the surprise of customers when they get unexpected gains under our suggestions; I am satisfied with it. The sense of accomplishment gained after the interests of the bank and customers are protected by adhering to principles. However, we often have regrets due to the deficiencies in hardware facilities that have to be compensated by artificial service methods. We also have to accept the venting of dissatisfaction when customers fail to achieve their goals... In short, all kinds of people come and go with sincerity. Service exchanges true feelings for customers, making our work vivid and colorful. Sometimes we encounter many unreasonable customers. At this time, "smile" service is particularly important. Maybe a simple smile can resolve the customer's original anger.
I remember there was such a story. An angry customer was shouting loudly, and his colleague greeted him with a smile. As a result, he was asked, what are you laughing at, and what is so funny about him. The colleague's answer was very witty and ingenious, "Teacher, service with a smile is our basic service principle." The awkward atmosphere was quickly resolved, and the atmosphere changed from solemn to relaxed. When we sincerely worry about the problems encountered by customers and sincerely help customers solve problems, I think most customers' anger will disappear. Smiling can not only shorten the distance between people, but is also the most beneficial weapon to resolve conflicts. Sincerity can be passed on. As long as you treat others sincerely, others will also feel your sincerity. Isn’t there an old saying, okay, just smile and it will take ten years. While we work happily, our body and mind are also happy. Serve customers with the utmost enthusiasm, because we not only represent the image of the branch, but also represent the image of the entire bank.
With the continuous upgrading of service concepts, from "bank services" to "service banks", banks' service concepts and levels are undergoing qualitative changes. Service comes from sincerity. Only sincere service can we Win over all potential customers. Treat every customer sincerely, your soul will be peaceful, your body and mind will be relaxed, and you will be surrounded by a pleasant atmosphere.
2022 Bank Salesperson Work Experience 5
1. Firm confidence, study hard, and strive to improve business skills.
In __, I was assigned to work in the second business department of the company. Since I have been engaged in private business for a long time, I have little involvement in the company's business. I have no customer resources, lack of work experience, and do not understand credit. policies and felt overwhelmed. In addition, I was older and in poor health, so I felt that I did not have the confidence to do a good job in public affairs. At that time, I was under great pressure and wanted to give up. Later, with the patient guidance and encouragement of President Cui, my ideological concepts were changed, my level of understanding was improved, and I gradually gained confidence in my work. I began to actively devote myself to work with the help of department leaders and colleagues.
On the one hand, we study hard business theoretical knowledge and our bank's credit policy, and on the other hand, we strengthen our study of the relevant laws and regulations of our country. In addition, I took the initiative to seek advice from old comrades and often went to the approval department for advice. After nearly half a year of hard work, I finally mastered the relevant knowledge of handling business and acquired the business ability to develop customers. It has laid a basic theoretical foundation and certain work experience for market development in the second half of the year.
2. Not afraid of difficulties, work hard, and continuously develop credit customers.
In the second half of __, under the leadership of the head of the department, I often went to various cities to investigate the market regardless of holidays, fatigue, and difficulties. I had no funds and paid for myself. , search for customers, use various channels, and use all relationships to develop credit customers. Under the guidance of the branch corporate department, risk management department and other departments, through hard work and continuous public relations, we finally successfully developed several customers, such as Zhongyou Digital, Xintai Aluminum, Yongshun Aluminum, Huafeng Steel, and Mengdian Electric Cement etc. In the process of developing customers, I also learned a lot of business knowledge and accumulated a lot of work experience. It has laid a good foundation for the smooth development of all my work in the future.
3. Strengthen management, operate according to regulations, and strictly prevent credit risks.
The successful development of credit customers has brought corresponding business benefits to our bank, but the credit risks arising from the handling of these credit businesses also accompany us. It has become an important task in daily work to operate in accordance with our bank's post-loan management methods, handle business according to the requirements of department leaders, and strive to prevent credit risks. To this end, I visit customers regularly and irregularly, go deep into the company, understand customers, investigate the market, strive to be prepared for rainy days, be prepared for danger in times of crisis, and always regard risk prevention as an important task. Especially since July this year, due to the impact of the global financial crisis, the business of credit customers developed by our department has been greatly affected. The business has declined sharply, and some have suffered serious losses. The branch attaches great importance to this and has set up a risk investigation team to collect information from key credit companies. In accordance with the leadership arrangements, I actively assisted relevant personnel in on-the-spot investigations to find out the situation. The solid implementation of all this work can gain opportunities and take the initiative in preventing risks. It plays a positive role in protecting the healthy development of our bank's credit business.
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