Sub-branch post-loan management system

As society develops step by step, everyone gradually realizes the importance of the system. The system is the embodiment of national laws, decrees, and policies. The criteria and basis for people's actions. What kind of system is effective? The following is the post-loan management system of the branch that I compiled. It is for reference only. Everyone is welcome to read it.

Job Responsibilities

1. In accordance with national financial laws and regulations, industrial policies, credit policies of the head office and superior banks, industry credit guidance and post-loan management Various rules and regulations, supervise and inspect the authenticity of the bank's credit asset quality, the implementation of credit policies and systems, the implementation of post-loan management of corporate customers, and the implementation of various regulations on post-loan management. Based on the findings discovered during the post-loan supervision and inspection process, 'Problems, put forward measures and suggestions to prevent risks and strengthen post-loan management, and report to the president, deputy president in charge and credit management department manager in a timely manner;

2. Strictly implement the post-loan management regulations of the superior bank system. Cooperate with the post-loan monitoring department of the superior bank on the post-loan monitoring and management of the bank and branches, and complete the post-loan monitoring and management work of the bank according to the post-loan monitoring and management instructions of the superior bank;

3. For secondary branches passed Monitor the problems discovered during the inspection, be responsible for timely inspection and rectification, and report the inspection analysis report and rectification status to the secondary branch;

4. Establish and improve the post-loan management analysis system, and conduct regular (quarterly) review of the company Analyze and evaluate the bank's post-loan management work, and report the analysis and evaluation to the superior bank;

5. Establish a major problem reporting system, and discover changes in loan customers' situations and major problems through post-loan inspections, Relevant personnel should be organized in a timely manner to conduct research and analysis, identify the reasons, and submit the results and opinions in writing to the branch president and report to the secondary branch;

6. Responsible for comprehensive inspection of the implementation of post-loan inspections, Regularly check the completion (completeness) of various post-loan management materials. In accordance with the post-loan inspection interval regulations, check and verify the completion time and frequency of the "Post-loan Check List", as well as the "Loan Expiration Collection Notice", "Interest Collection Notice", "Loan Expiration Reminder Notice" and other related matters. Send and receive receipts of documents; true reflection of problems found, special reports;

7. Responsible for the supervision and inspection of post-loan management (including housing loans and consumer loans), and assess various assessment objectives according to assessment methods Registration;

8. Assist the file administrator to organize the credit business reviewed and approved by the superior bank and the daily credit management files, conduct a preliminary review of the completeness, compliance, and validity of the files, and It will be handed over to the post-loan supervision and inspection center of the secondary branch for review within the specified time. ;