Does the loan job require academic qualifications?

What are the conditions for a bank loan?

Bank loans need to 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 loan application amount, term and currency 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.

Lenders should evaluate and analyze the loan approval process according to the major economic situation changes and the obvious increase in default rate, adjust the approval policy in a timely and targeted manner, and strengthen the management of related loans. The lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.

What are the requirements for China Construction Bank to recruit credit loan salesmen?

Recruitment requirements.

Bank recruitment requirements mainly include:

Basic qualities: good political quality and personal morality, honesty and trustworthiness, law-abiding, recognition of corporate values and corporate culture, and strict performance of personal obligations and responsibilities.

Second, the recruitment target: the recruitment target is usually graduates with bachelor degree or above. Of course, if you want to become a bank employee and enter the establishment, you must first meet the registration conditions before you can sign up for the corresponding exam. Please check it quickly.

3. Education requirements: Education requirements are bachelor degree or above, of course, there are some, and the minimum job requirement is postgraduate degree.

4. Major: Banks recruit many majors, but they are generally related to law, management, economics and computer.

Fifth, CET-4 and CET-6: Many banks explicitly require to pass CET-4 and CET-6. The recruitment requirements for bank staff are as follows:

1. Have People's Republic of China (PRC) nationality and abide by the relevant provisions of the laws and the Constitution of People's Republic of China (PRC);

2. Abide by the law, have good moral quality and political accomplishment, and have the personal skills and professional level required for the post;

3. Have the psychological quality and physical conditions required by the post, and have other conditions at the same time;

4. Education requires full-time junior college or undergraduate course, and some positions require bachelor degree or above. The above are the specific conditions for bank recruitment. Those who meet the above conditions should register for the exam in time according to the relevant instructions.

What qualifications do bank staff need?

1. It is still difficult to enter the banking industry at present, and junior college or below will not be considered. Without a bachelor's degree, it is difficult to work in a bank for the first time. It is easier for fresh college students who have a bachelor's degree but a CET-6 certificate. Financial analyst certificate or graduate students majoring in finance are easy to enter and can work in an office.

What qualifications and certificates do bank staff need?

Bank staff usually need a bachelor's degree and a bachelor's degree certificate. The recruitment conditions are as follows:

1, with China nationality;

2. The unified recruitment requirements are under 30 years of age (1990 1 born later), and the doctor is appropriately relaxed;

3. Support the Constitution of People's Republic of China (PRC) and the leadership of China * * * Production Party, and have good conduct and professional ethics;

4. Have the ability to work in line with the requirements of the post;

5. Have the physical conditions to perform their duties normally;

6. Have other qualifications required for the post.

Extended data:

Matters needing attention in bank application:

1, used for location

For applying for different positions, the emphasis is different. It is necessary to make resumes according to the positions applied for, so as to be targeted and play the role of resumes.

2. Highlight the key points.

According to the job requirements and characteristics of recruitment, focus on the ability and characteristics that meet the job requirements.

3. Appropriate format and space.

The so-called format means that when preparing a resume, it must be clear and not chaotic.

4. Pay attention to details.

As the saying goes, "details determine success or failure". In the production process, you should carefully check your resume to avoid low-level mistakes such as typos. Because this is an important aspect that reflects the attitude of candidates.

5. Resume making skills.

Submitting resumes plays an important role in the registration of bank exams. How to brush off the resume and not vote, we should understand the general skills of making the resume of bank exam.

What are the requirements for a bank loan?

Bank loan conditions

First, personal credit loan conditions

1. The borrower is at least 18 years old and is a natural person with full capacity for civil conduct;

2. The borrower has a permanent residence or valid residence status in China; Provide valid personal identification;

3. The borrower has a good credit record;

4 have the ability to repay the loan and provide proof of stable income, bank procedures and labor contracts;

5. Use of the loan certificate: documents such as purchase contract, purchase contract, admission certificate and investment plan;

6. Proof of stable address: house lease contract, utilities, property management fee, etc.

7. Provide valid certificates recognized by the lending institution, and provide true and valid relevant information required by the bank;

8. Other conditions stipulated by bank lending institutions.

Second, the housing mortgage loan conditions

1, identification (both husband and wife);

2. Marriage certificate;

3. Household registration book;

4. Proof of income and bank flow in the last six months; (or other proof of assets)

5. Real estate license; (or copy)

6. Proof of loan use;

7. The identity certificate of the payee and the payee account number;

8. Water and electricity charges for the latest building.

Three, the conditions of college students' entrepreneurial loans

1, fresh graduate, graduated within two years;

2. College degree or above;

3. 18 years old or older.

Four, self-employed loan conditions

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Other conditions stipulated by the bank.

Verb (abbreviation of verb) housing mortgage loan conditions

1, ID card, household registration book.

2. Proof of income or stable bank flow.

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;

4. Have a house purchase contract or agreement and an invoice.

6. Other conditions stipulated by the bank.

Sixth, the terms of the car loan.

1, with valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

Do bank loan officers need education and experience?

I must. I was quite strict about this piece when I joined the company.

The bank loan officer can be said to be a "polygraph" sent by the bank to test whether the information provided by the lender is true or false. He is mainly responsible for investigating the strength and potential of loan companies and individuals and providing them with policy suggestions on loans. He needs excellent judgment and keen observation, good listening, affinity and communication skills. The specific requirements for education and experience are as follows:

1. Education and training: College degree or above in finance, economy or related major; Need to study finance, economics, marketing, management, banking and other courses.

2. Work experience: more than 2 years working experience in bank credit and other related businesses; Need to have good listening, communication skills and affinity.