The financing specialist of the guarantee company is responsible for the analysis, evaluation and management with banks, brokers, funds, trusts and other financial institutions, and regularly reports the project and progress analysis.
The financial specialist in the enterprise should do:
In order to standardize financing behavior, reduce capital cost, reduce financing risk, improve capital efficiency and effectively solve the capital gap in the company's operation, this position responsibility is formulated in combination with the specific situation of our company.
1. Make full use of the preferential policies of governments and industries at all levels, keep abreast of the deposit and loan interest rates of various financial institutions, and actively strive for low-cost financing such as free, interest-free or discount loans.
2. Accurately grasp the lending time, policies and interest rates of various financial institutions, and feed them back to the competent department or chairman in time, so that the company can make corresponding financing decisions as soon as possible.
3. Know the amount and repayment time of each loan, and notify the main management department one month before the maturity of each loan, so as to facilitate the company to raise repayment funds.
4. It is necessary to clarify the capital gap in the company's operation, feed back the lending time and related policies of various financial institutions, and provide timely and accurate financial policy information for the company's top management to make financing decisions.
5. When receiving the financing information released by the company, contact the financial institution quickly to understand the procedures and materials needed for financing loans, sort them out as soon as possible, and submit them to the relevant personnel of the financial institution for trial.
If there is special information in the financing materials, it is necessary to consult the superior management department or the chairman in the process of handling and follow the instructions to avoid unnecessary troubles in the financing process.
6. When sorting out loan information, we should pay attention to the quality of data sorting and efficiency in work, and fill in the information form accurately.
7. After the financing is completed, actively cooperate with the post-loan management of financial institutions to facilitate the company's future financing.
The responsibility of the financing specialist of the guarantee company is:
1. Responsible for establishing and maintaining good cooperative relations with banks, brokers, funds, trusts and other financial institutions and private capital, developing diversified financing methods and channels to ensure financing needs.
2. Conduct market research and feasibility analysis on various financing methods in characteristic towns, formulate financing strategies, and formulate the optimal financing scheme according to the project situation; Negotiate with financial institutions on the terms and conditions of financing transactions, prepare financing materials, and promote the implementation of financing plans.
3. Be able to complete the tracking, monitoring, analysis, evaluation and management of investment and financing, report the progress of the project regularly, and put forward the existing problems.