1. What does a bank’s personal credit account manager mainly do?

1. Visit various companies with financing needs in the region and look for high-quality project sources that meet financing conditions;

2. Responsible for customer information survey and data collection, and complete Investigation and preliminary review of the company's guarantee projects and post-guarantee management of the guarantee projects;

3. Independently conduct basic evaluations of customers to determine whether to provide guarantees. For projects that can be guaranteed, write investigation reports and form preliminary investigation conclusions;

4. Complete the guarantee business and complete the filling and arrangement of various contracts involved;

5. Regularly Return visits to insured customers, write return visit reports, and be responsible for providing early warnings to customers with potential risks;

6. Responsible for customers' inquiries and answers regarding financing and other banking and financial services, and do a good job in customer relationship management.

2. What does the business manager of the personal credit department do?

The manager talks nicely and attracts customers. In this industry, it is true that you can make a little profit, but can you do it? It’s hard to say

What do personal credit managers at the three or four major banks usually do?

1. Visit various companies with financing needs in the region and look for high-quality project sources that meet financing conditions;

2. Responsible for customer information survey and data collection, and complete Investigation and preliminary review of the company's guarantee projects and post-guarantee management of the guarantee projects;

3. Independently conduct basic evaluations of customers to determine whether to provide guarantees. For projects that can be guaranteed, write investigation reports and form preliminary investigation conclusions;

4. Complete the guarantee business and complete the filling and arrangement of various contracts involved;

5. Regularly Return visits to insured customers, write return visit reports, and be responsible for providing early warnings to customers with potential risks;

6. Responsible for customers' inquiries and answers regarding financing and other banking and financial services, and do a good job in customer relationship management.

4. Is it easy to get an offline business loan for a bank business manager?

Is it easy to get an offline business loan for a bank business manager?

Because of the line level, as long as you have repayment If you have repayment ability, good credit, and can accept the interest from the loan platform, then the basic loan will be approved and the loan will be issued to you.

It is not certain whether the offline loan can be approved, it needs to be decided according to the applicant. Offline loans are non-online loans. Usually you go to a bank or a bank and submit the corresponding supporting materials according to the requirements of the bank or lending institution. The applications for different loan products are the same. They generally require applicants to be within the specified age and have good personal credit. The better the personal qualifications, the easier it is to pass the review

The process of online loans is to find a loan platform. After registering an account with a mobile phone, fill in the relevant information and submit it. The lending institution will grant credit to the borrower's qualifications and submit a loan application within the limit. No mortgage or guarantee is required. The loan is fully online and there is no need to provide paper information.

After filling out a loan application form for an offline loan, you generally need to provide corresponding information, such as proof of personal income and property, etc. These information will help the loan platform evaluate the borrower's qualifications. In addition, there are many types of offline loans. In addition to credit loans, it is also easier to get a mortgage loan.

Operating loans are financing products that serve small and medium-sized business owners or individual industrial and commercial households. Bank loans are obtained through loan guarantees and loan requirements are required.

In addition to the basic conditions such as loan security, borrowers who apply for personal investment and business loans must also meet the following conditions:

1. Have a permanent urban residence or valid residence status;

2. No bad social credit records

3. Open a general deposit account at a lending bank;

4. The products you operate have good market prospects and good economic benefits. ;

5. Good operating and financial status;

6. Ability to provide effective guarantees recognized by the lender;

7 pieces.

In addition to the above conditions, enterprises (merchants) or natural persons with full capacity for civil conduct who have the nationality of the People's Republic of China and are approved and registered by the industrial and commercial administration authority (or competent authority) for loans.

The borrower should also have

1. Be credit-abiding and have the ability to repay the principal and interest on time, and the original loan interest payable and the due loan have been paid

2 .Except for natural persons, annual inspections must be submitted to the industrial and commercial administration authorities (competent authorities)

3. Have opened a basic account or general deposit account;

4. Except as stipulated by the State Council , the cumulative amount of limited liability company and share capital does not exceed 5% of the net assets

5. The asset-liability ratio meets the requirements of the lender;

6. The applicant applies for a medium- and long-term loan, and the The proportion of total investment required shall not be lower than the capital proportion of investment projects stipulated by the state.

Loans will not be granted if:

1. Do not have the qualifications and foundation of the loan entity

2. Produce, operate or invest in products expressly prohibited by the state, Project;

3. Violation of national foreign exchange management regulations;

4. Construction projects should be submitted to relevant departments for approval according to national regulations but the approval documents have not been obtained;

5 .Production and operation or investment projects have not obtained permission from the environmental protection department;

6. In the process of implementing institutional changes such as contracting, leasing, joint ventures, mergers (mergers), cooperation, separation, paid transfer of property rights, and joint-stock reform , the original loan debt has not been paid off, the original loan debt has been settled, or the corresponding guarantee has been provided;