First of all, frankly speaking, I doubt the credibility of you as a "bank clerk". I'm afraid ordinary bank employees don't have the guts. Once found out, he will lose his job. Secondly, I suggest you never let this so-called salesman "package" you. According to your information, you are an enterprise. Once the story is exposed, can you still deal with the bank in the future? So I suggest you find a clever reason to get all your information back as soon as possible to avoid unnecessary financial losses and information leakage.
Second, is it risky to be a loan salesman?
Nowadays, due to the popularity of loans, various lending institutions have blossomed everywhere, so a large number of loan salesmen are needed accordingly. So, do you know that being a loan salesman is risky? In fact, as a loan salesman, the main sources of risk are the company and the person applying for the loan, and the interest is high. Therefore, people who apply for loans have to bear great risks. If the applicant's loss cannot be repaid, this part of the risk is borne by the company and has nothing to do with the salesman. However, the salesman who talks about the loan business with the applicant must be familiar with the conventional guarantee and the joint liability guarantee. I. Conventional Loan Guarantee When the lender applying for loan guarantee is unable to repay the remaining debt, the guarantor will repay it on his behalf. However, it is necessary to provide the basis that the borrower can't repay the loan, so as to find a guarantor to pay off the final debt. Two. Joint and several liability loan guarantee When the applicant lender repays all the debts within the prescribed time limit, the guarantor must repay the debts instead of the applicant lender. Therefore, when making a guarantee for the applicant, we must understand the applicant's family status and economic and financial stability, and ensure that the loan can be repaid within the prescribed time limit, so as to be a good guarantor and avoid getting into a lawsuit in the future. If you really need a guarantee, you can ask the lender to be only the guarantor of the conventional guarantee. Therefore, when you are a guarantor, you must carefully choose these two types of protection so as not to bring unnecessary harm to your family.
Third, is there any risk in being a financial salesman?
Salespeople who do financial work still have certain risks. For example, a salesman engaged in bank credit may have to bear certain loss risks if the loans issued cannot be fully recovered in time within the specified time, resulting in bad debts;
Another example is the salesman who works in insurance finance. When selling insurance products, if he is unfamiliar with the products or exaggerates the functions of the products, he will be complained by customers. This kind of risk is also relatively large!
4. Is it risky for the salesman of China Ping An Pratt & Whitney Loan to make a bill?
no