What are the responsibilities of the bank credit specialist 1 1? What are the duties of the bank credit specialist?
Announce the types, terms, interest rates and conditions of operating loans, and provide consulting services;
Guide to fill in the loan application form and help to handle the loan application and other business;
Assist relevant personnel and departments to evaluate the credit rating of borrowers;
Investigate the legality of the borrower and other factors, verify the situation of collateral, pledge and guarantor, and measure the loan risk;
Reply to the loan application, sign a loan, guarantee contract or go through notarization procedures;
Issuing loans, tracking, investigating and checking the contract execution and operation of borrowers;
Send a notice of repayment of principal and interest, and urge the borrower to repay the loan; Send a collection notice to collect overdue loan principal and interest;
Collect relevant information and assist relevant departments to prosecute borrowers who fail to repay principal and interest;
Establish and improve the loan quality preservation system, classify, register, evaluate and collect non-performing loans, and write off non-performing loans in time;
Assist in the acceptance, discount and rediscount of commercial bills.
Two. Professional requirements of bank credit specialist
Education and training: College degree or above in finance, economy or related major; Need to study finance, economics, marketing, management, banking and other courses.
Work experience: at least 2 years working experience in bank credit and other related businesses; Need to have good listening, communication skills and affinity.
Three. Salary and treatment of bank credit specialist
Income is calculated according to performance, and the average monthly basic salary is about 2000 yuan. Different banks have different assessment systems, and the income of loan officers varies greatly. Generally, the monthly deposit is 6.5438+million, and the annual income is about 70,000. If the monthly deposit exceeds 3000 yuan, the annual income is basically guaranteed to be above 654.38+million.
The annual salary of ordinary bank loan officers: not so high for beginners, generally around 60,000, which is a good figure for newcomers. Banks can be roughly divided into three categories: state-owned banks, joint-stock banks and foreign banks. The income ranking of these three categories is: joint-stock banks >; State-owned banks > foreign banks.
If it is done well, the annual salary of loan officers in state-owned banks can be12-150 thousand. The rule of this line is to speak with ability, and income fluctuates with personal performance. The more active the deposit and loan business, the higher the income.
What are the duties of the bank credit specialist? 2 job responsibilities:
1. According to the company's credit approval policies and relevant regulations, conduct approval, audit and quality inspection within the authority.
2, review the integrity and authenticity of the loan applicant's information, including collateral; Prevent fraudulent customers.
3. Work according to standard procedures and make necessary telephone records for the loan applicant and the three parties.
4. Part of teaching management for new employees.
5. Complete the examination and approval tasks in time and accurately to ensure the efficiency and quality of examination and approval; Adapt to shift work system.
6. Find risk problems, report to superiors in time, track and control risks, and put forward suggestions for optimizing the approval process.
Requirements:
1, bachelor degree or above (relaxed for those with excellent conditions), major in economics, finance and management is preferred.
At least 2.6 years relevant experience in credit approval, experience in internet lending products is preferred.
3. Strong awareness of risk prevention and control, good at communication and good at written and oral expression.
4. Proactive and responsible, careful and diligent.
5. Strong communication, analysis and execution skills.
What are the duties of the bank credit specialist?
1. Responsible for lending business, seeking high-quality financial cooperation channels and maintaining long-term and stable cooperative relations;
2. Risk preliminary examination, process tracking and fund recovery of handling business;
3. According to the departmental objectives, complete all tasks with good quality and quantity within the specified time;
4. Actively participate in various trainings and activities of the company;
5. Other work assigned by the leaders.
Requirements:
1, optimistic, confident, and has its own principles for financial sales;
2. Have a certain financial sales circle and personal connections in Shenzhen;
3, 22-30 years old, college degree or above, finance and other related majors are preferred;
4./kloc-more than 0/year working experience, and more than half a year working experience in institutional credit, microfinance and consumer finance sales;
5. Have good communication, learning, organization and negotiation skills and customer service awareness;
1, responsible for developing loan customers, business channels and accumulating customer resources;
2. Maintain the business of old customers and tap their greatest potential;
3. Communicate with cooperative customers regularly and establish good long-term cooperative relations.
Requirements:
1, male or female, over 22 years old;
2. More than 65,438+0 years experience in promoting financial credit products is preferred;
3, love sales work, quick response, strong expression skills, strong communication skills and communication skills, and affinity;
4. Good customer service awareness; Responsible, able to work under great pressure; Good at challenging;
5. Have a strong sense of entrepreneurship and are willing to grow with our company.
Job responsibilities:
Excavate high-end customers in the market, develop and publicize market loan information, assist customers to prepare loan materials, and solve customers' capital turnover needs.
Make a preliminary assessment of the application materials and financial resources of customers who need loans, and screen risky customers.
Coordinate loan approval, contact loan signing, follow-up and after-sales service.
Requirements:
1, 2 1-35 years old
2. Bachelor degree or above.
3. Major in finance and marketing, with relevant work experience is preferred.
4, hard-working, strong execution, and a sense of teamwork.
5. Self-confidence, optimism, positivity and good communication skills.
What are the four duties of a bank credit specialist?
1. Relying on the loan service customer resources provided by the company, directly communicate with customers through the comprehensive communication platform of network, telephone and mobile technology to verify the real information of the lender.
2. Patiently ask relevant questions to customers, complete information confirmation and accurately record customer information, and feedback information results in time.
3. Patiently listen to customers' demands and give professional answers, and put forward high-quality customer service.
4. Every day, there will be 10 just-needed customers (contact the customers who submitted the loan application intention in official website of our bank, there is no need to dig up the customers themselves, check the authenticity and accuracy of customer information, match the best loan scheme for them according to their specific conditions, follow up the customers and help them succeed in the loan).
Job requirements:
1, age 18-35 years old, college degree or above.
2, articulate, standard Mandarin, moderate speech speed, no accent, strong language expression and listening ability, clear thinking and quick response;
3, the basic computer operation level, typing speed of more than 30 words/minute;
4. Good communication skills and teamwork ability, hardworking, responsible and willing to accept challenges.
What are the duties of the bank credit specialist? 5 job responsibilities:
Responsible for the installment payment of China Merchants Bank credit card purchased in Guangzhou, and responsible for the development, maintenance and customer service of cooperative 4s stores.
Requirements:
1, full-time bachelor degree or above, major in finance, marketing or management is preferred;
2, aged 20 to 30 years old;
3. Good communication and coordination skills, cheerful personality and strong sense of responsibility;
4. Experience in market development, business negotiation or marketing is preferred;
5. Working experience in high-end brand car 4s shop is preferred;
6. It is best to have a personal car driver;
7. Able to work under pressure and challenge.
The company will provide you with:
1, welfare guarantee:
A, five insurance (including pension, medical care, work injury, unemployment, maternity) a gold (housing provident fund);
B. National statutory holidays; C. annual employee team tour; D, regular physical examination.
2. Salary: basic salary+monthly allowance+monthly bonus+incentive competition bonus;
3. Improve the mature system training (including financial management knowledge and business skills, etc. );
4. Good development platform and promotion space.