1. Be responsible for the marketing and promotion of loan products, use personal resources provided by the company to develop new customers and maintain customer relationships; 2. Be responsible for receiving the business consultation of customers and handling all kinds of loan business for customers; 3. Collect other necessary customer documents and information to provide necessary basis for credit decision-making; 4. Responsible for maintaining customers and providing customers with high-quality services before, during and after lending; 5. Complete all business objectives issued by the department on time. : 1. Policy loan 1. Policy loans are generally 2-year bank loan interest rate plus 2%. If you are sure that the interest rate is 6%, it will be 6%, the interest of 540 yuan. 2. There are two ways of policy loan. The first is that the insurance company uses the current price of the policy to borrow money, which can be 70-80% of the current price, with an annual interest rate of about 6% for up to 6 months, ignoring the credit problem. The loan does not affect the benefits of the policy, but only needs to pay interest once every six months. If it is due or settled, the principal and interest of the loan need to be deducted from the amount obtained. Except for products whose current price increases rapidly, the loanable amount generally does not exceed the insurance compensation amount. The second type is that Ping An Bank and small loan companies multiply the policy payment, with a monthly fee of 0.85% ~ 1.5%, which can be loaned for three years and needs good credit information. Repay on a monthly basis, and you need to repay part of the principal and interest every month. Because the principal is repaid every month, it is actually used less and less. According to the bank interest, the actual annual interest rate is 18 ~ 28%. The advantage is that the loan amount is large. 2. Interest 1. Interest is the use fee of money in a certain period of time, and it is the reward that money holders (creditors) get from borrowers (debtors) for lending money or monetary capital. According to the different nature of banking business, it can be divided into bank interest receivable and bank interest payable. Interest receivable refers to the remuneration that the bank obtains from the borrower by lending to the borrower; It is the price that the borrower must pay for using the funds; It is also part of the bank's profits. Interest payable refers to the remuneration paid to depositors by banks to absorb their deposits; It is the price that banks must pay to absorb deposits, and it is also part of the cost of banks. Interest rate refers to the ratio of the interest amount due in each period to the par value of the borrowed, deposited or borrowed amount (called the total principal). The total interest of the lent or borrowed amount depends on the total principal, interest rate, compound interest frequency and the length of time of lending, deposit or borrowing. Interest rate is the price that the borrower needs to pay for the money borrowed, and it is also the return that the lender gets by delaying his own consumption and lending it to the borrower. The interest rate is usually calculated by the percentage of one-year interest to the principal. 2. Interest calculation can be divided into product interest method and transaction interest method: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (day);

2. What does the bank loan account manager do?

The bank loan account manager's job is to take customers as the center, handle intermediate business such as customer deposits and loans, and be responsible for maintaining the post responsibilities of 0a bank loan account manager: (1) Actively expand the market and find customers for 0d according to the business objectives; (2) Responsible for accepting loan business applications and conducting pre-loan investigation; (3) Responsible for signing loan contracts and guarantee contracts for the legality and integrity of the loan business accepted and investigated; Responsible for the issuance and recovery of loans, timely recovery of beneficiary customers for post-loan management, and responsible for the implementation and collection of non-performing loans, interest receivable and credit recovery; Statistical analysis and report of negative credit statements; Collect and sort out the 0-day financial report of the company's customers every month, and be jointly responsible with the financial management department; Complete other tasks assigned by the leaders. \ 2. Professional qualification certificate of bank account manager 0a 1. College or above employees in the financial industry with more than two years' experience; Have a bachelor's degree (or equivalent), have worked for one year (have a master's degree or above), D. After obtaining the qualification certificate of bank assistant customer, you can directly apply for the qualification examination of bank customer manager.

3. What is the main job of the bank account manager? What knowledge and skills do you need to master?

First of all, talk about daily work (bank account managers are mainly divided into account managers of corporate institutional customers and account managers of individual customers. Bank account managers are actually bank sales. Like most sales, they are mainly responsible for the marketing of some bank products and businesses.

Simply put, there are actually three types of products: debt business (deposits), asset business (loans) and intermediary business.

In fact, the debt business is the so-called deposit-pulling, mainly to maintain the deposit scale and share of existing customers, and at the same time expand the account opening of new customers, and finally realize the stability or increase of the deposit scale under the account manager's name.

Asset business is also a loan issued by a bank. In practical work, in addition to marketing customers to apply for loans, we should also pay attention to the control of related risks. To put it bluntly, the loan applied by the customer must meet the requirements of relevant loans, be successfully issued through bank approval, and be able to repay the principal and interest on schedule.

Intermediary business is a variety of fees that can be charged to customers without occupying bank funds (as far as the current situation of China banking industry is concerned, a large part of the intermediary business of banks is brought about by the transformation of loan spreads, which is essentially different from the real intermediary business income).

4. What does the bank loan account manager do?

The bank loan account manager's job is to engage in loan business such as market analysis, customer relationship management, marketing service plan planning and implementation in the bank, and directly serve customers.

1. The account manager, as a representative of foreign-funded business in the financial industry with rich connotations, focuses on various available resources of commercial banks, vigorously markets financial products to target customers, provides high-quality financial services, and builds a bridge for communication and relationship development between banks and enterprises.

2. The account manager is the source of the bank's strategic decision-making and product innovation, and the main executor of the bank's overall development strategy and objectives. Therefore, in order to do a good job in customer management and service, it is necessary to master the knowledge reserves of all aspects of bank loans.

3. The customer industries of account managers are diverse, and the diversified needs of customers for credit, settlement and wealth management lead to the diversity and comprehensiveness of marketing means and professional skills that account managers need to master.

Extended data

Matters needing attention of bank loan account manager

As an account manager of bank loans, you need to pay attention to the following points:

1. Abide by the relevant national laws and regulations and all disciplines of the bank, and consciously accept the supervision and management of the organization.

2. Seriously study the relevant national policies and regulations and various bank rules and regulations, study financial business hard, and improve business marketing and public relations skills.

3. Abide by the law, operate steadily, and standardize business practices.

4. Maintain a good attitude, be dedicated and active.

5, pay attention to establish a good image of marketing personnel, safeguard the interests of the unit.

6. Strengthen communication and cooperation, and have good team spirit and professional ethics.

7. Serve customers wholeheartedly and listen to their opinions with an open mind.

8, adhere to the principle, impartially, it is forbidden to resort to deceit.

9. Strictly abide by the confidentiality discipline and don't disclose customer information to others at will.

10, honest and self-disciplined, not seeking personal gain, not asking for bribes.

References:

Baidu Encyclopedia-Bank Account Manager