Question 1: What does a credit specialist do? Credit Commissioner; Actually, it's business. It's a good name to call the Credit Commissioner.

Generally speaking, there are two kinds of salesmen (credit specialists), one is enterprise salesmen, that is, they go to enterprises and companies to do business.

One is an individual salesman, that is, handling personal loans.

In addition, the bank will certainly give you a desk, but you mainly have to run outside. Of course it's easy to do it if you have a relationship, but it's difficult if you don't. Because every salesman has indicators.

Question 2: What does a loan officer do and what is the prospect of being a loan officer? Loan officers are now called account managers. Mainly responsible for customer development, review, issuance and post-loan management of personal loans and corporate loans.

To put it bluntly, it is lending. It is a better position in the banking industry, with great flexibility, pressure, risk, oil and water and good prospects. A good loan officer is a generalist who studies both inside and outside. ...

Question 3: What does a loan officer do? I work in a small loan company. Generally speaking, I just lend money, that is, I can get a commission ~ In the process of lending, I should do a good job in risk prediction, investigation (on-the-spot investigation, credit investigation and information collection, such as the other party's business license, tax return and so on. ), and finally write a report to let others decide whether to borrow it or not ~

Question 4: What does a bank loan officer do? In fact, the loan officer is now the account manager of the bank, originally called the loan officer, as the name implies, is to do credit work. Customer department of the current branch. Now the branch is divided into business department and customer department. The sales department is engaged in counter business, including savings and corporate accounting. The customer department is engaged in credit business, pulling deposits and lending. Now the account manager, in fact, is not very demanding on quality, the key is to pull deposits!

Question 5: What does it take to become a credit specialist? Credit union community, loan officer exchange community to serve you: With the liberalization of national policies, p2p institutions have a growing demand for loan officers, and cities generally need college or above (experienced high schools) with different academic qualifications, and there is no financial knowledge to train! Generally, after entering the organization, there will be experts who will get started in the first three months and become very skilled in one month! It is necessary to begin to analyze and practice the mastery of products, presentation skills, speech skills and so on.

Question 6: What do the approving officers of financial and credit companies do? The work of the company's finance and credit officers is as follows.

1. Announce the type, term, interest rate and conditions of the loan and provide advice to the borrower; Understand the needs of borrowers, ask them to provide basic information such as financial reports, guide them to fill out loan applications and handle loan applications for them.

2. According to the borrower's capital structure and other factors, assist relevant personnel and departments to evaluate the borrower's credit rating.

3. Investigate the legality of the borrower's loan and other factors, verify the situation of collateral, pledge and guarantor, and determine the loan risk.

4. Reply to the borrower's loan application, sign a loan contract with the borrower, sign a guarantee contract with the guarantor as needed, or go to the notary department. Please keep this mark for notarization.

5. Lend loans to the borrower, and conduct follow-up investigation and inspection on the borrower's performance of the contract and operation.

6. Negotiate with the borrower according to the requirements of the borrower, and handle the prepayment and loan extension.

7. Issue a notice of repayment of principal and interest to the borrower on the due loan, and urge the borrower to repay the loan; Issue overdue loan collection notice to collect overdue loan principal and interest.

8. Collect relevant information and assist relevant departments in legal proceedings against borrowers who cannot repay principal and interest.

9. Establish and improve the loan quality preservation system, and classify, register, evaluate and collect non-performing loans.

Question 7: What does it mean to get a loan? What is the job of a credit expert? Is to find customers who need loans. There is also the need to deposit money with rich people. Credit officer: What you usually do is to develop customers.

Question 8: What does the credit department manager do? As the name implies, the bank credit department is the department that manages credit. Its task is to win deposits from enterprises, examine and issue loans to enterprises. The employees of the credit department are generally called the bank credit department, whose task is to strive for corporate deposits, review and issue loans to enterprises. Employees in the credit department are generally called loan officers or project managers. Each bank has a different name, and each person is responsible for several enterprises (or units). They should be familiar with the business and financial situation of the enterprise and master the use of loans by the enterprise. If you go to practice, the loan officers are all teachers. They want to teach you to understand the financial statements of the enterprise, analyze the operation and financial situation of the enterprise, and go to the enterprise to understand the real situation of the enterprise on the spot. Loan officers spend most of their time running outside instead of sitting in the office, requiring them to have strong public relations and analytical skills and be good at dealing with people. The ratio of boys to girls is not specified, but mainly depends on ability. The credit department is the key department for banks to obtain profits, and it requires higher personnel. As for the internship time, it should be going to work, that is, Monday to Friday. Loan officers or project managers have different names. Everyone is responsible for several enterprises (or units). They should be familiar with the business and financial situation of the enterprise and master the use of loans by the enterprise. If you go to practice, the loan officer is the teacher. They want to teach you to understand the financial statements of the enterprise, analyze the operation and financial situation of the enterprise, and go to the enterprise to understand the real situation of the enterprise on the spot. Most loan officers. The ratio of boys to girls is not specified, but mainly depends on ability. The credit department is the key department for banks to obtain profits, and it requires higher personnel.

Question 9: Ask a professional for help. What does a credit expert do? Is it suitable for girls? You should apply for a telemarketing credit specialist, that is, a salesman who calls for loan business through the telephone number resources provided by the company. There are assessment requirements, and many girls do this job. Depending on the company you work for, the customers and ways you face are different.

There are the following types of companies:

Consumer finance, P2P internet finance, P2P platform, Ping An Easy Loan, comprehensive loan intermediary, bank loan intermediary company, etc.

Question 10: What exactly does a corporate loan officer do? Microfinance officers are company salespeople. You have to go out and run customers yourself, find the right customers who need loans, and then complete the performance yourself. Developing customers through different channels will eventually lead to business. The work contents are as follows:

1. Comply with national laws and regulations, strictly operate loans and prevent loan risks.

2. Seriously carry out pre-loan investigation, go deep into loan customers, accurately understand their production and operation, ensure the authenticity of pre-loan investigation, and provide accurate basis for loan approval.

3. Sort out the loan information and sign the loan contract seriously. The loan officer backstage establishes the loan ledger timely and accurately according to the loan contract information.

4. Timely collect the loan principal and interest, and timely send the Notice of Collection of Loan Maturity (Overdue) to ensure the continuity of the limitation of action.

5. Cross-check after loan, report to relevant leaders in time when problems are found, and take effective measures to prevent loan risks.

6, the loan officer back office to sort out the loan principal and interest settlement data. Loan officers prepare and report various credit statements in a timely, accurate and complete manner. Complete other tasks assigned by the manager.

What does a loan officer do?

Loan officers are mainly responsible for investigating the strength and potential of loan companies and individuals and providing them with policy suggestions on loans. They need to have excellent judgment and keen observation, good listening, affinity and communication skills.

Specific job responsibilities:

1. Announce the types, term, interest rate and conditions of operating loans and provide consulting services;

2. Guide to fill in the loan application form and help to handle the loan application and other businesses;

3. Assist relevant personnel and departments to evaluate the borrower's credit rating;

4. Investigate the borrower's legality and other factors, verify the collateral, pledge and guarantor, and determine the loan risk;

5. Reply to the loan application, sign a loan, guarantee contract or go through notarization procedures;

6. Issuing loans, tracking, investigating and checking the borrower's contract execution and operation;

7. Send a notice of repayment of principal and interest, and urge the borrower to repay the loan; Send a collection notice to collect overdue loan principal and interest;

8. Collect relevant information and assist relevant departments to implement the borrower's repayment of principal and interest;

9, establish and improve the loan quality preservation system, classification, registration, evaluation, collection of non-performing loans, timely write off non-performing loans;

10. Assist in the acceptance, discount and rediscount of commercial bills.

Can a bank loan officer borrow money from our bank?

Bank loan officers can borrow money from our bank as long as they meet the loan conditions.

According to Article 11 of the Interim Measures for the Administration of Personal Loans, applying for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Extended data:

Article 18 of the Interim Measures for the Administration of Personal Loans shall comprehensively review the legality, rationality and accuracy of the loan investigation contents, focusing on the due diligence of the investigators and the borrower's repayment ability, credit status, guarantee status, mortgage (pledge) ratio and risk degree.

Nineteenth loan risk assessment should be based on the analysis of the borrower's cash income, using quantitative and qualitative analysis methods to conduct a comprehensive and dynamic loan review and risk assessment. The lender shall establish and improve the borrower's credit record and evaluation system.