The abilities and precautions that a loan salesman should have:. Strong professional knowledge and business skills. In the process of handling credit business, we must firmly grasp the following five points: 1, review the license, 2, choose the correct text, 3, fill in the contents, 4, stamp and sign, 5, straighten out the procedures. Rich relevant knowledge A qualified and competent loan officer should have rich relevant knowledge in addition to skilled professional theoretical knowledge and skilled operation skills, which is more conducive to the smooth development of credit work. Should have interpersonal skills, have a keen intuition and cognition of the customer's personality, emotions and needs; Good endurance and ability to cope with interpersonal pressure, able to flexibly use a variety of interpersonal skills and methods for different situations and different communication objects; When interacting with customers, they can show their understanding and concern for customers; Have strong emotional control ability, be flexible and bear greater psychological pressure in the process of fighting for the rights and interests of enterprises. The ability to observe and judge refers to the ability to observe the quality of customers through their behavior and social relations; Objective judgment; Be good at observing words and feelings; Collect information from many parties and verify your judgment accurately. Whether the loan can be repaid in time depends largely on the customer's willingness to repay, and the willingness to repay depends largely on the customer's personality. Therefore, before the loan is issued, we should focus on the customer's character. Generally, a loan will not take more than one week from application to issuance. In this short period of time, loan officers should timely and accurately grasp the personality and character of customers. Small business loan officers with strong ability to withstand pressure have great pressure on their performance, so they need to maintain a good positive attitude, overcome difficulties, adjust their emotions in time and maintain sufficient confidence. In particular, overdue customers need patience and endurance, as well as good pressure resistance. If they don't touch the bottom line of personality and make unreasonable and insulting language attacks on each other, they should turn a blind eye and turn a deaf ear. Really no, you can only use extreme means to extraordinary people. A knowledgeable loan officer should have a certain brain and be good at analysis and thinking. In the work of credit management, some enterprises may whitewash their financial statements to cover up their real financial situation and operating results for their own benefit. At this time, the loan officer should use his knowledge to identify and analyze the problems, so as to have a correct and comprehensive understanding of the business situation of the enterprise. If you can't clearly understand the operating conditions of the customer's enterprise, you will rush to borrow money and finally can't recover the loan, which will bring great risks to the company.

What does the company's credit specialist do and how to do it?

In fact, the credit specialist is the sales clerk of the company, and also wants to run the business for his own performance. However, there are many forms of business carried out by corporate credit experts, such as exhibition industry, and so on. They can distribute publicity materials indefinitely, sell them at meetings and advertise themselves in newspapers. The question is very suitable for choice, not subjective.

Extended data

The simple and popular understanding of loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.