Through summarization, people can upgrade scattered and superficial perceptual understanding into systematic and profound rational understanding, thereby drawing scientific conclusions in order to correct shortcomings, learn lessons and make future work easier. Detours, more results. The following is a carefully selected work summary that I give you, I hope it can help you!
Loan officer work summary part 1
Time has passed quietly, and there have been almost three working days. In the past month, as a microfinance officer of a rural credit cooperative, I have a lot of feelings. Let me talk about my thoughts, actions, and experiences in my microfinance business.
First of all, let me talk about my personal work attitude. This job is my first job after graduating from university, so I regard it as a treasure. During the period from training to working, I often heard many people say that this job was too hard, too tiring, and that the rural environment was too harsh. However, for me, who was born in a rural area, these were just minor comments. Some people say that the salary is too low, but my vision is not so superficial. I see the future stage rather than the current treatment. Now I really like this job because here I can see the value and dream of realizing my life.
In the process of working, I found that this job is not as simple and easy as lending and collecting money, but it requires us to learn a lot. For example: after doing something, there will always be experiences and lessons learned. In order to facilitate future work, the experience and lessons of past work must be analyzed, researched, summarized, concentrated, and understood at a theoretical level.
First, we must learn to look at people. Because we are doing credit loans, if you make a mistake in the first step, no matter how many good words you say when collecting loans in the future, it may be difficult to achieve the results you expected. The people who are most afraid of collecting money are people who have money but are unwilling to pay it back, not people who really have no money and no way to pay it back.
Second, we must learn to cultivate and retain customers. We are in business and our customers are our God. So how can we catch our God? One of the loan risk control principles, "training for no less than five days" cannot be underestimated, but must be implemented seriously. If you carefully compare two groups of loan borrowers, one of which received five days of training and the other did not receive training, you will find that the loan borrowers who have received training have much better repayment awareness than those who have not received training. "It's easy to conquer a country but hard to keep it" This sentence will probably become a true reflection of our work in the future. As long as we succeed in this small loan project, I firmly believe that it will succeed. Then I believe that the competition from Agricultural Bank of China will follow. Although Agricultural Bank of China’s current Huinong Card business has a loan amount of usually 20,000 to 30,000 yuan, it has a strong advantage over us. Customers like to borrow more money. Doing a bigger business, there is no doubt about this. The interest rates of the Agricultural Bank of China are much lower than ours, so of course their business should be better than ours, but I personally don’t think they are that successful. Why? Because they don’t have our group of people. Like us, we go to every household in every village to serve farmers. However, as long as we are successful, I believe they will immediately recruit a group of college students to go to the countryside to start doing the "same" work as us, and then the competition will really come. So now that we are carrying out such work, we have to think about how to defend the "kingdom" we have built in the future. Lenders are human beings, and people have feelings. When they become our customers, we must treat them with sincerity and help them when they are in trouble. We must strive to become their close friends. If we can do this, you will be absolutely at ease as a customer.
Third, we must learn to manage. We have more customers. If you don’t have good management skills, then you will have problems, which will make you upset and depressed. First of all, you have to learn to allocate your time reasonably so that you can work better. Although your time is determined by the loan customers, and there are many loan customers, you cannot satisfy all the loan customers, so we must learn how to manage our own loan customers. Another thing is that you must learn to manage accounts, because the financial business we do involves money issues, and people are the most serious and serious about money.
We cannot be sloppy or careless. We must carefully manage our bills and be responsible to the borrowers, the credit union, and even more importantly, ourselves.
Fourth, we must learn to behave. "To learn to do things, you must first learn to be a human being." In fact, this sentence is very reasonable. If you don't know how to be a human being, you won't do anything better. Because when you do things, you first face people. When you enter a company, if you can't adapt to your working environment and your interpersonal relationships immediately, how can you do better things? We must first communicate well with the old employees at the credit union where we work, handle interpersonal relationships well, and ensure that we go to work every day with a happy mood and a positive spirit. The credit union is my home. As happy as returning to your own warm and harmonious home. When facing customers, we should do our job better, show our excellent service attitude and professional quality, and ensure that the borrowers and themselves are as close as one family. And we must learn to visit customers frequently. Our business is not to end after issuing loans, but to recover loans, so we must maintain good contact with the borrowers, have their latest harvest information, and their ideological trends, so that we will not be passive. If we do these things well, I believe the business volume will skyrocket, and the recovery rate will be even higher in the future.
Fifth, professional knowledge, work ability and specific work in the future
1. Under the guidance of the leadership, the work procedures and directions have been clarified, and work ability has been improved. A clear working idea was formed at work. After working as a microfinance officer, I followed the goal of "doing my job better", developed a sense of innovation, and actively and successfully completed various tasks assigned by the leadership. In the remaining time, I strengthened my study of business work, Lay a good foundation for the next step of work. Clarify the direction of efforts and propose improvement measures. As a small loan business worker, I deeply feel that I have a heavy responsibility. As the window of the company, my words and deeds also represent the image of the company. Therefore, I must improve my own quality, demand myself to high standards, and strengthen my professionalism. knowledge and skills.
2. Complete the specific tasks assigned by your company’s leaders and captains carefully, on time, and efficiently. In order to ensure the smooth progress of the work and the coordination with the credit union, in addition to doing their own work, they also actively cooperate with other colleagues in the credit union to do their jobs well.
3. Work attitude and diligence. Love your own job, be able to treat every detail of the work correctly and seriously, serve farmers enthusiastically, strictly abide by labor discipline, ensure attendance on time, and stick to your post.
Summarizing the work of the past three months, although there has been some progress, there are still deficiencies in many aspects. For example, there are not many creative work ideas, individual work is not perfect enough, and there is too little business customer information. This needs to be improved in future work. In the days to come, I will carefully study various policies, rules and regulations, strive to bring work efficiency to a new level, and make greater and more contributions to the development of your company.
Loan Officer Work Summary Part 2
In the rush, one year passed quickly. During this year, under the leadership of my leaders and with the help of my colleagues, I conscientiously performed my duties and did my job in a down-to-earth manner.
I love my job, can treat every task correctly and seriously, apply financial policies and spirit flexibly in my work, be proactive and conscientiously abide by rules and regulations, and complete tasks in a timely manner Various tasks assigned by leaders. The work situation over the past year is now reported as follows:
1. Improve the quality of work.
Managing basic credit information in a timely and accurate manner, recording, collecting, and managing basic credit information is one of the most important tasks in the credit back office. This work is both tedious and important, and requires frequent overtime work. Add points to complete.
2. Strict rules and regulations.
As a credit clerk, I am deeply aware of the weight of the burden on my shoulders. A slight negligence may lead to credit risks. Therefore, I constantly remind myself to increase my sense of responsibility.
For every new loan issued in XX, I checked first and then released it. I better blocked the issuance of loans to bad customers and multiple loans to one household, and nipped the borrowing of fake loans in the bud. For example: Borrower ___ came to our company for a loan. After checking customer information, it was found that the borrower had a bad record in the asset department, so ___'s loan application was rejected. ___I declined repeated requests.
3. Adhere to credit principles and do a good job in loan review.
I know very well that the quality of credit assets is related to the business and development plans of credit cooperatives, and the responsibility is too heavy to be careless. Over the past year, I have adhered to the "three checks" system for loans and the credit management system formulated by the association, and carefully reviewed each loan, starting from the borrower's subject qualifications, credit situation, current status and prospects of the production experience project, and repayment. From the ability to repay the loan to the qualifications of the guarantor, the ability of the guarantor, and the legality and validity of the collateral, I carefully reviewed every step without any slack. During the pre-loan review, I achieved the "three musts"
(1) The loan conditions must comply with the policy, and the loan documents must be legal originals;
(2) The lender You and the guarantor must be present to sign;
(3) And treat them like strangers and acquaintances, ensuring the compliance and legality of loan issuance.
4. Be sincere and united and do our best to improve operating efficiency.
As a credit back office, I have made 102 loans in total in __ year, with an amount of 149.437 million yuan. I have collected interest and principal of more than 4,000 loans annually, and have recovered more than 38 million yuan in interest and 182.054 million yuan in principal. Ten thousand yuan, but not a single mistake was made.
Looking back on the whole year, I feel busy and tired, but I feel very fulfilled.
I feel that there are still many shortcomings:
First, the professional quality has not improved quickly, and I have not learned enough and thorough new business knowledge;
Second, there is still a gap between my own work and other peers, and my sense of innovation is not strong;
Third, I am only satisfied with the completion of my own tasks, and my work development is not bold enough;
Fourth, sometimes I have a short temper and lose my temper from time to time.
Fifth, the working methods when dealing with problems need to be improved.
In the new year, I will work hard to overcome my own shortcomings, study hard, strive to improve my own quality, actively develop, fulfill my job responsibilities, obey leadership, be a good staff assistant, and unite with all colleagues , Make your due contribution to the improvement of the experience and efficiency of our department.
Loan Officer Work Summary Part 3
Over the past year, I have conscientiously implemented the principles and policies of the State Council’s financial reform, studied the spirit of Comrade Jiang Zemin’s “July 1st” important speech and the spirit of the Sixth Plenary Session of the Central Committee of the Communist Party of China, Guided by the important thought of "Three Represents", we closely focus on the adjustment of agricultural and rural economic structures, adhere to the purpose of serving "agriculture, rural areas and farmers", and lead employees to carry out various tasks according to the annual task indicators issued by the People's Bank of China and superior associations. .
1. I can conscientiously study relevant financial laws and regulations, learn relevant credit union business regulations and business knowledge, improve my business quality, strengthen my own integrity and self-discipline education, be loyal to my duties, and act in accordance with the law. At the same time, employees are regularly organized to study the spirit of relevant superiors’ documents, strengthen employees’ business learning, and strengthen employees’ education on integrity and self-discipline, legal education and safety awareness education, so that all the work of the company can be operated in compliance with regulations and laws
2. Efforts to improve and improve We must pay close attention to the implementation of rules and regulations, and not only implement them according to the regulations of superiors, but also formulate corresponding work guidelines and business assessment methods based on the actual situation of the company, so that there are constraints on the work and mutual promotion, so that all work can be carried out smoothly and achieve success. Certain benefits
3. Work: 1. According to the economic characteristics of the community area, we should do a good job in deposit organization work in a timely manner, so that all employees have tasks, and all employees work together to attract deposits. In the first three quarters of this year, deposits The annual increase ranks first in the region. ⒉ Carry out timely work on "clearing illegal activities", resolving risks and collecting interest.
At the beginning of the year, we made general arrangements and mobilizations for "cleaning up non-performing loans", and implemented collection work in a timely manner according to seasonal income conditions. We also organized a "100-day cleanup" campaign during the peak season of shrimp income. Non-performing loans were effectively controlled and benefits were achieved. Significantly improved.
IV. In terms of efficiency and performance: the balance of deposits at the end of the year is 10,000 yuan, and the net increase is 10,000 yuan. If the plan is completed, the balance of various loans is 10,000 yuan, and the increase is 10,000 yuan. Deposits and loans are controlled within a reasonable ratio; The balance of non-performing loans was RMB 10,000, a decrease of RMB 10,000, and its proportion decreased by 1 percentage point; the book profit amount was RMB 10,000, (the actual number was RMB 10,000) and the plan was completed.
5. Insufficiencies: My business level and management ability are not high, business development is slow, non-performing loans remain high, collection speed is slow, "two stay" loans are increasing, potential risks are increasing, and there are over Four companies with proportional loans have serious insufficient capital adequacy ratios, book losses of 10,000 yuan, office conditions, prevention facilities, and employees' living conditions and working environment have not improved.
6. Improvement measures: Strengthen your own business theoretical study, further improve your business level and management capabilities, increase the intensity of "cleaning up illegal loans", especially clearing and collecting "two-destination" loans, and strive to solidly support "three "Agriculture" loans, compressing large over-proportional loans, increasing revenue and reducing expenditures, improving operating efficiency, increasing capital adequacy ratio and loan offset ratio, reducing and resolving risks as soon as possible
Looking back on the work of the year, I feel that there are still There are many shortcomings. First, the professional quality is not improved quickly, and the new business knowledge is not learned enough and thoroughly; second, there is still a gap between my own work and other peers, and the awareness of innovation is not strong; third, I just meet my own tasks. completion, work development is not bold enough, etc. In the new year, I will work hard to overcome my own shortcomings. Under the leadership of the Associated Business Section and the Credit Union, I will study hard, strive to improve my own quality, actively develop, and fulfill my job responsibilities. , obey the leadership. Be a good staff assistant, work together with all employees, unite as one, improve the operating efficiency of our company, and make due contributions to completing various tasks and goals in __.
Loan Officer Work Summary Part 4
I used to be an ordinary salesperson under the Huangmei Post and Telecommunications Branch. I only worked in credit for half a year since I was transferred. I investigated 40 loan customers and successfully granted 20 loans. A total of 930,000 yuan of loans were issued, and all loans were normal loans. The arduous journey of starting from scratch on the road to credit. I think I have the following experiences;
Facing a brand new position, I was really timid at first. Since I started working in 1993, I have been working as a teller on the front line of postal savings, basically waiting for customers to come to my door. The new position requires going to the customer's home every three days to understand the customer's basic situation and business information, investigate and understand the customer's loan purpose and repayment willingness, and analyze the customer's repayment ability. This is really difficult for me who is not good at communicating with others. In the first month, I always thought to myself, what should I do if I can’t pay back the money I put out? Sometimes I gave up and thought it would be better to continue working in my old business.
After the branch leaders learned about the common mentality of loan officers, they held discussions with everyone in a timely manner to let everyone liberate their minds and put down their burdens, saying: "Don't deny yourself easily before you do it. You will surely get better slowly." I like the position of credit. "The leadership's patient guidance and description of development prospects gradually encouraged everyone to have the courage to do their own work. The ideological concerns were eliminated, and the whole team began to gain vitality. Like everyone else, I was greatly inspired and determined to learn from scratch.
Through professional training and self-study, I gradually mastered the small loan business and operating procedures.
Through the strong publicity of the branch in the early stage, some customers in need began to come to inquire, and I also welcomed my first loan customer. That day, with mixed emotions, I took an hour and a half bus ride with another colleague to the village of __. This customer is a farmer with more than ten years of breeding history and knows the market very well. At the client's home, after I introduced myself, I began to ask questions one by one in the order of investigation required during the training.
Since this was the first time I had a "marketing" communication with a customer, and I didn't know enough about the __ industry, I was very nervous. After asking for less than 20 minutes, the customer suddenly said: "I don't want to lend money anymore. You can go, isn't it?" Your post office is asking for a loan, just like interrogating a prisoner." When I saw this, I quickly explained, but the farmer stopped cooperating. Helplessly, my colleagues and I returned disappointed, and the first marketing campaign was aborted.
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 was not with the customer, but because I did not know how to communicate with the customer and did not understand the other party's needs and difficulties, which caused the embarrassing situation.
Ask yourself, if you are always bad at communicating with customers, who will dare to come to me for a loan in the future? No, you must change and practice from scratch! From then on, I went to the streets with my colleagues every day after work. Publicity, chatting with small merchants, and practicing introducing loan business; after get off work, I also visited relatives and friends to introduce Postal Savings Small Loans, treating them as practice targets. Hard work pays off. Now I think my communication skills have improved a lot. Hard work leads to a bumper harvest
How to integrate Postal Savings Small Loans into the local economy has become an important breakthrough point in the credit work of the branch. Our investigation revealed:.
The development of credit villages will be the key development customers of the branch in the future. It is its first priority to have a deep understanding of the operating conditions and rules of farmers and to understand the industry as soon as possible. I found several farmers through relatives and went on-site with my colleagues to understand the situation. Over time, I gradually got used to this kind of work.
Although my work performance in the first half of the year is not ideal, I deeply feel that my work is inseparable from the care and support of my leadership and the credit department team; at the same time, I am even more grateful to my family who have always supported my work in obscurity. . I will use the professionalism of "leaving the small family to take care of everyone" and work hard to become a qualified Postal Bank loan officer.
Loan Officer Work Summary Part 5
20_ Annual Work Summary Dear leaders and colleagues, good afternoon everyone:
The busy 20_ year has passed. Regarding the past year, everyone has different emotions. Some are satisfied, some are regretful, some are happy, and some are hesitant. For me, this year is an important turning point in my working life and will also be a milestone in my future.
Since I joined the Bank of China, I have followed the arrangements of the bank and participated in counter work in grassroots branches for one year. The work of an ordinary teller is dull and busy. From the initial discomfort to the calmness later, there were no amazing results in this process, but it made me understand the difficulty of work and the responsibilities of an employee in the process. responsibilities.
Since September this year, I have been fortunate enough to work in the branch’s corporate business department and join our excellent marketing team five. When I first arrived, I was excited and full of novelty. It was undoubtedly a blessing to be able to engage in the core business of the bank. But I also understand that as interns who have newly joined the department, our main job is to study. So during this initial period, the guidance materials, relevant documents and past business files became my closest "comrades-in-arms". With the help of outstanding account managers, I gradually gained a new understanding of the bank's corporate business, clarified my ideas for subsequent studies, and made further plans for my future work situation, that is, to be down-to-earth , lay a solid foundation, start from scratch, constantly accumulate and enrich yourself, and be an excellent employee.
At the beginning of October, I participated in the "Knowledge Competition on New Loan Regulations" organized by the Banking Association as arranged by the bank.
During the training process, I mainly learned the "Three Methods, One Guideline" and related documents, combined with my previous internship work in the department, which gave me a systematic understanding of the relevant conditions of the loan business. , some operating procedures that were difficult to understand before have also been reasonably explained. Although the results of the final competition were not ideal, it will be of great benefit to my subsequent internship work and deepen my understanding of credit work.
Once you have theoretical knowledge, you have to move towards practical operations. In the past two months, under the guidance of old employees, I have gradually become familiar with the relevant products of the company's business and mastered the basics of the company's credit business. Operational procedures.
And actually performed the company's short-term loans, bank acceptance bills, limit application, segmentation, corporate capital flow monitoring, post-loan file management, etc. Recently, he has written relevant reports on the annual review of the total credit limit, new additions, and guarantee changes. At the same time, he visited customers under the leadership of several old account managers to learn about marketing and customer maintenance. All this is new and challenging to me. I know that the core of a bank is profit, and the first job of an account manager is marketing.
Rich business knowledge and products are our various "weapons" for marketing. To deal with customers from various industries, the more and better "weapons" we have, the better we can cater to customers' psychology. , to meet customer needs. All of this requires me to study humbly for a long time, accumulate experience and improve myself through continuous practice, grow into a qualified account manager as soon as possible, and contribute my meager help to the development of Bank of China.
Now, more than half of the half-year internship period has passed. In the past four months of study and work, I have made many business mistakes, but what I am very grateful for is our enthusiastic and enthusiastic team. The united masses and the long-term patient guidance and help of leaders and colleagues allowed me to try my best to get rid of misunderstandings, correct mistakes, and finally make progress. I would like to express my deep gratitude.
Although I have achieved some results, I also know that my lack of practice and my lack of proficiency in business are my fatal injuries. I still cannot relax in my future work and seize every opportunity to enrich and broaden my horizons. Business knowledge, accumulate more successful marketing experience, and contribute to this glorious group as soon as possible.
The new year has begun, and the competition we face will become more intense. At this time, I can only work harder to improve my professional quality in order to gain a foothold and progress in this challenging industry. I Will face the difficulties and hardships of work with full enthusiasm and attentiveness. I firmly believe that in the new year, with the joint efforts of everyone, our great people will achieve more brilliant results.
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