One is manual service.

First of all, when the credit account manager carries out the long-term basic work of collecting customer information, he should not only do a good job in collecting information records and customer data, but also digest them in time, sort them out and file them in batches according to customer types, and complete the rating and credit granting work in advance, which will provide important reference information for credit decision-making.

Secondly, we should often read reports and check information. By looking up information, reading IOUs and taking notes, you can thoroughly grasp the loan foundation. Furthermore, due to the frequent contact between credit work and customers, credit account managers should learn to be good at discovering, summarizing and popularizing good methods.

Work diligently, often write research reports, experience materials, work ideas and measures, and put forward some reasonable suggestions in combination with the actual situation to help the Head Office improve and enhance management.

The second is brain diligence.

First of all, you must have skilled business knowledge. Charge regularly, strengthen the study and mastery of basic financial knowledge, basic accounting knowledge, credit management knowledge and basic skills, and improve their own financial theory level. The second is to have keen insight.

For example, when investigating a merchant's loan, a credit account manager should be good at discovering the law of capital demand from the merchant's store inventory, monthly product sales and bank flow, so as to accurately judge the reasonable loan amount. Usually, when conducting credit investigation, we should learn to listen more and think more, find out problems and loopholes, and better avoid credit risks.

The third is to have a clear working idea.

Adhere to the management mode of "point, slice, surface and line", do a good job in the marketing of investment loans, do a good job in the construction of credit villages with "slice", do a good job in all-round financial poverty alleviation, and do a good job in a three-dimensional, all-round and tracking service of private enterprises' settlement and loans.

The objective situation of the credit account manager team

In recent years, with the accelerating pace of reform and development, the business scale of rural commercial banks has been growing, but the contradiction between the team of credit account managers and the business scale has become increasingly prominent, and there are still the following problems in the overall team building:

1, fake style. They are unwilling to take the initiative to take responsibility, and still have the old idea of "eating the same pot". On the issue of poor revitalization, there are some misconceptions that newcomers don't care about old things and don't carry old accounts, which leads to tired work style and low work efficiency.

2. The system is not strictly implemented. In-depth investigation and research is not enough, and sometimes it goes through the motions and is handled unilaterally. Post-loan management is not in-depth, the implementation of the "three checks" system is not strict and meticulous, and the awareness of preventing credit risks needs to be strengthened.

3, professional knowledge is not refined. Due to the unreasonable age structure, the overall quality is low. In addition, I usually take the initiative to study and study the credit system, credit process and legal and financial knowledge, which leads to my ignorance of the loan process, my inability to handle the loan business skillfully, or my irregular loan information.

Second, how to be a good account manager of a credit company

1. First of all, you have to be professional. The loan industry is deep in water, and I know the development of the industry, the products of banks and companies and your company, the related audit issues, the laws, regulations and procedures fees of various procedures, and the compliance issues of operation orders.

Always remember that the first thing you want to sell is not the product, but yourself. A boy has just set foot on the society. It is very important to learn how to dress. Don't let customers ask if you are an adult. Speaking and behaving is more important than dressing up. A salesman doesn't have to say much, as if he knows everyone. But you should learn to listen to others, find the starting point, and then fight.

3. Follow the right person. Business is not as good as connections, and connections are not as good as blood. The bloodline is that only Essien Giro can be emperor. Networking is Nian Gengyao's cow force, which was given by Grandpa Four. What does it mean to be with the right person? It means that students who are both graduates of Whampoa Military Academy follow Jiang and Mao, and the results are quite different. What we often see in the bank is a line, or the leader of a branch is promoted for the second time. This is the most important passage, and no blood can rise. All units have had good experiences and bad experiences. It is always good to be a leader.

4. Efficient business ability. I suggest you ask yourself, after the first conversation with customers, you must predict whether the loan can be operated. You must have a system to collect customer information in your mind. Your conversation with customers must be systematic. You can't ask the customer's collateral for a while and ask the customer's business entity for a while. In the end, you feel that you have asked everything, but you can't systematically judge the customer's situation at all.

5. treat every small list of hundreds of thousands as a big list of millions. If you make a small list of 500,000 yuan for a food processing industry, and you can know every detail carefully, then next time you make a big list of 5 million yuan for the food processing industry, you should be handy.

6. Be able to read financial statements. ? If the financial analysis does not reach a certain level, it is not worthy to say that the financial statements of small and micro enterprises are not important. Unless you take out a loan to sell buns on the street, it's a mom-and-pop shop, and you don't have to look at the bill. Anyone who employs several people must have an account, otherwise the boss will open it for others, and what records will be used to record who owes who and who lends. There is really no account, whether it is a loan or not. Of course, there is no formal statement for small and micro enterprises, or the subject is not standardized. It doesn't matter. It is important that they can read and understand.

7. Establish your own business reputation. ? Don't give the approval a feeling that you only know how to make money and don't know the risks. You should know more about your customers and analyze them more, so that you can keep your word in order. Don't say collateral, just mention in three sentences that this is the household introduced by the leader. Always remember that the project you report is behind your own reputation. If there is any problem, no leader will stand up for you. The account manager is always the first person in charge of the project, and everyone may run away because of the loss of funds, and the account manager can't run away. Compliance inspection is only the responsibility of the account manager.

8. What can be mortgaged must be done. In case of risk, collateral is your only grasp. The best collateral is a house. Without a house, you are nothing in front of Lao Lai. If you have no money, you have to stop eating. Relevant interview procedures must be implemented and implemented. In other words, seniors usually call you friends with clients. It should be noted here that it is the elder brothers who pay back the money, but the enemies who don't.

9. Pay attention to borrowing. Except for special industries, normal enterprises have no own funds to repay loans. People who repay their loans with their own money either borrow more, which is called excessive credit or lie. Of course, luck is not ruled out. It just flows back and the loan expires. This situation is relatively rare. Think about it, from borrowing, to purchasing, to production, to receivable, to recovery, how can an enterprise just catch up with the loan due funds? Therefore, it is the most important to contact customers to transfer funds to loans, and there is no one. Don't believe what the customer says is infallible. Customers always want to show their brightest side to banks, but the reality is often cruel. If the friendship is reached, ask the customer who borrowed the money and what the interest rate is. In case the funds fail, a second-hand plan is needed.

10. Pay attention to documents and compliance. At present, the actual risk of loans is not much, so the basis for evaluating the quality of loans is only credit files. Standardizing documents and reports from content to format to binding is of great benefit to the image of account managers. In a sense, the account manager lives on that face.

1 1. Professional ethics, refusing temptation. There are many gray areas in this line. After doing it for a while, you will learn a lot of "quick ways to make money" and figure out what money can be earned and what money can't be touched! No commercial bribery!

12. Distinguish between friends and enemies. There are various companies in the loan industry, but not all of them are our peers! Lenders with ultra-high interest rates are not making money, but killing people! Please don't have any business cooperation with them!

Third, how to be a good bank credit manager?

First, learn the knowledge of lending from old employees, second, be diligent (this is the most important), and third, be orderly, which will affect the following people (outlets, loan intermediaries), which will make you get twice the result with half the effort;

Fourth, gain benefits flexibly and protect yourself. If you can't protect yourself, you'd rather not do it than be scolded by the leader. The above suggestions are very good, and they are the experience of credit auditors for many years (that is, your counterpart position in the city branch, hee hee).

Don't make mistakes that are too off-line and too low-level.

Fourth, how to be a good credit account manager?

Question 1: How to be an excellent credit account manager? Hello, loan is a serious matter. If you want to be recognized by customers, you have to practice from your own ability. Follow some methods to be a reliable loan officer. 1, correctly understood first of all, it must be valuable to customers. A client will never contradict a friend who is kind to him. We just need a normal heart. Chatting with customers should have basic self-confidence and believe that you are valuable to customers. As long as we can show our value to customers, it takes a process. What we need to do is to be proactive and enthusiastic, so that customers can quickly recognize our value. 2, three principles (1) The principle of sweeping the street is basically a strange customer, and the customer's familiarity with you is the basis of the transaction, so the purpose of your chat is to get acquainted. You should talk about all kinds of topics that customers are interested in, such as news, stars and employment. With a warm atmosphere, what can be closer to customers and what can be talked with customers? After customers get familiar with you, they will have it. (2) Sweeping the street in principle, you can't just think of sweeping the street as a casual and seemingly boring communication with customers, but you must mention some core information that can reflect your value, such as what you do, what you can help customers, and why you should be chosen. (3) No principles. We provide serious financial services to our customers, and it is very important to give them a reliable and steady impression, so don't talk about topics that make customers feel unreliable in chat. For example, some daily emotional expressions of loan officers, irrelevant jokes and even comments on colleagues and companies are taboo for any customer. I hope I can help you and wish you a happy life! ! ! Question 2: How to be a good credit account manager under the new economic normal? Try every marketing method, find a method that suits you and maintain the relationship with your peers. Question 3: How to effectively recruit credit account managers? There are many spot customers who are willing to do it. There is an honest man who has several years of credit experience but few resources. The newly opened branch company recruits resources. Question 4: As an account manager, how to do a good job in personal loan business? Natural person with business conditions for applying for loan: 1 and age 18-65; 2. The borrower's actual age plus the loan application period shall not exceed 70 years old; 3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule; 4. Good credit information and no bad records; 5. Other conditions stipulated by the bank. Question 5: Is the credit account manager easy to do? It's not easy to do at present, and it's basically dead if you do it for nothing. At present, the country is in the process of rectification. Problem 6: How to become an excellent credit account manager 1, with a certain theoretical level, such as financial accounting knowledge, economic and financial knowledge, laws and regulations knowledge, management and marketing knowledge, etc. 2. Persist in studying at work, learn credit system documents, learn the experience of others, learn typical credit cases, and learn marketing skills; 3. Be brave in practice and do more practical things: do more credit declaration schemes and materials, collect and analyze customer credit information and materials, operate various credit management processes and systems, communicate with customers and market different kinds of customers. Question 7: How to be a good account manager of small and micro loans in banks? Tell me my opinion. It is very important to be able to do things and be a man. Tell me what's not written on it. 1, follow the right person. Business is not as good as connections, and connections are not as good as blood. The bloodline is that only Essien Giro can be emperor. Networking is Nian Gengyao's cow force, which was given by Grandpa Four. What does it mean to be with the right person? That is to say, the students who are both graduates of Huang G Military Academy are quite different from those who follow Jiang and Mao. What we often see in the bank is a line, or the leader of a branch is promoted for the second time. This is the most important passage, and no blood can rise. All units have had good experiences and bad experiences. It is always good to be a leader. 2. Pay attention to the financial statements. If the analysis of financial statements does not reach a certain level, it is not worthy to say that the financial statements of small and micro enterprises are not important. Unless you take out a loan to sell buns on the street, it's a mom-and-pop shop, and you don't have to look at the bill. Anyone who employs several people must have an account, otherwise the boss will open it for others, and what records will be used to record who owes who and who lends. There is really no account, whether it is a loan or not. Of course, there is no formal statement for small and micro enterprises, or the subject is not standardized. It doesn't matter. It is important that they can read and understand. 3. Pay attention to collateral. In case of risk, collateral is your only grasp. The best collateral is a house. Without a house, you are nothing in front of Lao Lai. If you have no money, you have to stop eating. Relevant interview procedures must be implemented and implemented. In other words, seniors usually call you friends with clients. It should be noted here that it is the elder brothers who pay back the money, but the enemies who don't. 4. Pay attention to borrowing. Except for special industries, normal enterprises have no own funds to repay loans. People who repay their loans with their own money either borrow more, which is called excessive credit or lie. Of course, luck is not ruled out. It just flows back and the loan expires. This situation is relatively rare. Think about it, from borrowing, to purchasing, to production, to receivable, to recovery, how can an enterprise just catch up with the loan due funds? Therefore, it is the most important to contact customers to transfer funds to loans, and there is no one. Don't believe what the customer says is infallible. Customers always want to show their brightest side to banks, but the reality is often cruel. If the friendship is reached, ask the customer who borrowed the money and what the interest rate is. In case the funds fail, a second-hand plan is needed. 5. Pay attention to your business image. Don't give the approval a feeling that you only know how to make money and don't know the risks. You should know more about your customers and analyze them more, so that you can keep your word in order. Don't say collateral, just mention in three sentences that this is the household introduced by the leader. Always remember that the project you report is behind your own reputation. If there is any problem, no leader will stand up for you. The account manager is always the first person in charge of the project, and everyone may run away because of the loss of funds, and the account manager can't run away. Compliance inspection is only the responsibility of the account manager. 6. Pay attention to documentation and compliance. At present, the actual risk of loans is not much, so the basis for evaluating the quality of loans is only credit files. Standardizing documents and reports from content to format to binding is of great benefit to the image of account managers. In a sense, the account manager lives on that face. Question 8: How to be a bank account manager? 1. Accurate target positioning: according to the positioning of the banking market, determine the customers you serve. What industry is the marketing target, it requires the account manager to be familiar with the rules of the industry. Only by mastering the basic information of this industry can we find customers suitable for the development of banks and accumulate better customer resources. Set clear development goals for yourself, don't be greedy. Only by becoming an "expert" in a certain industry can we get more customers. Second, account managers with outstanding performance must have more credit resources if they want to have room to expand their business. At present, the effective means to attract customers is mainly loans. Under the same conditions, you are required to strive for more loan indicators. With limited credit resources, time is the key to success. Doing the same business, some account managers spent two days, and some didn't finish it in a week, which widened the gap in business volume. Third, improve work efficiency and quality For customers, the last thing they want to encounter is the delay and triviality of the account manager. At present, the market positioning for customers is very clear, mainly small and medium-sized enterprises. These customers are characterized by small scale and fast demand. It is often "when the rice is waiting for the pot." Who doesn't want a fast account manager when handling loan procedures? This requires our account managers to pay attention to work efficiency and quality. In the case of controllable risks, solving customers' difficulties as soon as possible will win customers' trust and customers' return to the bank will be higher. Fourth, it is always a concern to be the staff of enterprise operation and maximize the economic interests of customers. A successful account manager must solve problems for enterprises and market financial products suitable for enterprise development. Make customers trust you. Only in this way can customers feel at ease to handle business in our bank and improve our business performance. 5. Dealing with all aspects of the relationship is to grasp the principle of being an account manager while serving well. There must be not only "temperature" but also "rules" in dealing with work. Only by adhering to principles and serving customers to the maximum can we win the greatest value in life. Question 9: How to be a good account manager? Then, as an account manager of a bank, how should he accurately perform his duties and actively do a good job in customer marketing in today's market economy environment? This is a problem that needs our serious consideration. Through work practice and observation and analysis, the author puts forward the following immature ideas, and asks leaders and peers to give advice. Thinking 1: the responsibility and positioning of the account manager "account manager", as its name implies, is to manage customers. Customer is the main object of bank management and the core of account manager's work. Based on this concept, the bank has established an account manager system since its establishment in 2004 and has been implementing it ever since. At present, the main job of our account manager is basically to handle credit business, from pre-loan investigation to credit granting to borrowers, from loan issuance to post-loan management. On the surface, the work is orderly, the office and business hall are crowded, and the account manager is also seen in the fields and workshops. However, turn off the computer, close the ledger and ask yourself, how many customers do we really know? How many new customers have we marketed and how many old customers have we lost? Have we really fulfilled our responsibilities as account managers? As the marketing representative of the bank, the account manager is the bridge between the bank and the customer. All the work of the account manager is to provide customers with all-round, multi-functional, serialized and comprehensive financial services on the basis of in-depth understanding of customer needs, and continuously deepen the cooperation between the two sides. Marketing products on behalf of banks, providing full service to customers, vigorously developing high-quality new customers and increasing financial market share are the basic duties of account managers; It is an important responsibility of the account manager to continuously strengthen the existing customer relationship and maintain and serve the existing customers. Thinking 2: Working Status of Account Managers 20 10 In the first half of the year, Wuxi Branch of Agricultural Bank of China conducted a survey of its five branches with account managers. After investigation, it is found that the main work of account managers can be roughly divided into four parts: (1) handling credit business. Dealing with all kinds of credit business and credit-related business takes up more working time of account managers, especially those in township outlets with relatively many credit customers, who spend most of their time dealing with credit business and basically play the role of loan officers; (2) operating various systems. Operating various systems takes up about 15% to 20% of the daily working time of account managers on average; (3) Handling all kinds of report mails. At present, account managers not only have to analyze and process the financial statements submitted by customers, but also often count various internal summary statements, which consumes a lot of time; (4) Other matters. It mainly includes the annual credit rating, customer classification, credit evaluation, annual inspection of loan cards, etc., which restrict the work energy of account managers. After investigation and analysis, the following problems are found: (1) The phenomenon of "housekeeping" of account managers is prominent. In township outlets, especially those with more credit customers, background work takes up 70% to 80% of the account manager's time, and there is too little time to really expand customers; (2) The account manager has a heavy workload. Many account managers report that the workload is too heavy, and it is "common practice" not to rest at noon, to work overtime after work and to work overtime on weekends, so they have no time to take care of customer marketing and maintenance. Even when I go to the enterprise, I often collect reports and materials, and I will go back without saying a few words. In the long run, the feelings with customers will be unfamiliar, let alone expand new customers. The account manager didn't really go to the market and customers. Idea 3: Establish the "customer-centered" business philosophy and the premise of the "customer-centered" business philosophy, emphasizing that customers decide on services, business and management to promote services, and provide differentiated services for different customers according to their different needs and bank classification requirements. All the activities of the account manager should take meeting the needs of customers as the starting point and destination, and take it as their responsibility to provide customers with solutions and methods to solve problems. Whoever has good service, customers will feel that their value is high, and who will gain the trust of customers. At present, in our usual business development and maintenance process, there are not many people who can really provide quality services. We should fully realize that even if the marketing work is done well, the marketing effect will be greatly reduced and even the business development will be seriously hindered because the service quality can't keep up. Therefore, in the future work, we should pay close attention to service quality, improve service quality, and cultivate more high-quality customers and loyal customers. Win by service. Under the same conditions, approach and win customers earlier than competitors. Thinking 4: "All-round and integrated" marketing strategy is the key. "Marketing" is not "sales". We are not street vendors selling clothes. Our marketing goal is conditional ... >> Question 10: I just learned to be a credit account manager. How can I develop my business to develop customers? The infinite extension of point A depends on the customer base. I'm doing a physical factory now. It is not easy to open the gap at first, but it will be easy to get started as long as it is made into a single later stage.