What does a loan salesman do? Does the loan salesman have a future?

Is there a future for the position of bank lending post? Why?

The position of bank lending basically has no future. You can understand this position as a loan salesman outsourced by a bank.

Whenever we talk about banking, many people always think that banking itself is a good job. In real life, there are many kinds of jobs in banks, many of which are even just outsourcing jobs of banks, which means that the related jobs are not as good as we thought. What we usually refer to as bank outsourcing is generally just a loan clerk. These salesmen mainly sell bank loan products to users, and the related income is basically equal to 0.

First, the development prospects of bank lending jobs are not good.

There will be a lot of job recruitment content of bank loans in the market, and these jobs are basically outsourced by banks, which means that the relevant employees can't get formal security benefits from banks. If an employee goes to work in such a position, the employee can be understood as a loan salesman with certain banking qualifications, and the personal treatment of the relevant employees will also be linked to their own business.

Second, I personally don't like the bank lending position.

Because this position itself is an outsourcing position, employees in outsourcing positions basically do not enjoy the treatment of employees at the same level. The treatment of many positions in the bank is really good, but the bank lending positions will basically not enjoy these treatments, which means that employees will basically enjoy the same treatment level as themselves, and employees will not enjoy various benefits of the bank.

Third, this question also depends on the situation.

Some banks may transfer their employees from internal positions to bank lending positions. If the employee involved signs a long-term labor contract with the bank, or the employee himself is a bank staff member, then it is indeed a good choice for the employee to work in the bank loan post, because the bank loan post can bring a relatively open working environment to the employee and also exercise the employee's business ability.

Is loan sales easy to do?

Loan sales should still be easy to do. Loan sales are equivalent to loan officers, that is, salesmen who specialize in lending. This job is easy to do, after all, banks hold funds, and now many small and medium-sized enterprises are short of money; It's hard to say. It's hard to do. You put the money out, and it is the last word to get it back. Otherwise, if you lose the principal for a little interest, it will be a big loss. So it is difficult to find a suitable credit customer. The salary of the credit account manager is linked to the loan interest. If the loan can't be collected, it will be miserable. The survival salary will be paid and the rest of the reward performance will be deducted. 10000 yuan or more may be done well, but it is difficult to make a difference at 2000 points.

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Earn industry sales:

1, Internet marketing industry, the rise and development of the Internet in China has made the online sales in China reach an unprecedented level and height. Look at Taobao's daily sales breakthrough of 1000 billion, and you can see the power of online sales, which is unmatched by ordinary practices. However, this kind of online sales needs innovative thinking in the new era and new media, rather than sticking to the original traditional model.

2. In fact, "5G" is a hot word on the Internet in recent two years. Almost everyone has heard of it, but it seems to have little to do with their own lives. In fact, in recent years, it has been the "peak period" for the development of the 5G industry. At present, China, as the "leader" of the development of the 5G industry, still has a long way to go.

3. Health insurance industry. With the change of population structure and the improvement of living standards, there will be more and more elderly people, and the public will pay more and more attention to the life of providing for the aged, so this sales industry will have more and more prospects.

4. Tourism health industry sales. With the development of social economy, people pay more and more attention to spiritual enjoyment, so tourism has become a way for everyone to yearn for freedom. Then the industry of healthy travel and healthy tourism has also flourished in recent years, so if this industry is recommended to demanders, it will become the highlight of sales.

Is it easy for loan salesmen to do it?

In recent years, many people have chosen the job of loan salesman. Is it really as easy as most people think? Loan salesmen are generally paid according to their performance. The higher the ability, the more gains, so this profession is directly linked to the ability of salesmen. A loan officer is a person who works in a bank. His main responsibilities include recording, creating and maintaining loan documents. Loan officers may have many possible job responsibilities, including interviewing loan applicants, completing loan application documents, conducting credit checks and creating final loan documents. This is a relatively entry-level position, and applicants usually need a high school diploma. Some employees may have two to four years' college degrees in business, accounting or finance.

Although some loan officers do interview loan applicants and collect preliminary information, it is usually the responsibility of loan officers. Then, the loan officer will pass the collected information to the clerk. Then, the staff will follow the applicant as needed, collect any other information that may be needed, or answer any questions that the applicant may have about the loan process.

After receiving the loan application materials, the loan officer will be responsible for checking the correctness of the paperwork and preparing the materials for the loan officer to review. Clerks may need to conduct background checks on applicants, check letters of recommendation and work experience, and verify credit records and credit scores. Once the information is ready and verified, the clerk will prepare a final report.

Then, he or she will give the final report and any other necessary documents to the loan officer or loan department, who will review the loan information and make a final decision. By then, the loan officer's work may have been completed, or he or she may be responsible for creating the final loan documents and contracts for the lender and the borrower to sign. In addition to the responsibilities in the loan department, the loan officer may have other job responsibilities.

Depending on the size of the bank where the loan officer works, he or she may need to answer the phone, keep some filing records, and provide customer service and other paperwork for bank customers. Clerks should have good computer and math skills, as well as the ability to write and prepare reports clearly, which have been carefully checked for errors. Successful employees can usually become loan officers or supervisors, especially those who choose to continue their studies.

How about a loan?

The work is as follows:

Overall, the performance pressure is relatively high.

Working in a loan company, I am mainly responsible for the marketing of loan business, grasping the potential customers to promote the company's credit products, doing business positioning and customer questions and answers in my daily work, handling the reception of various businesses for customers and solving various problems encountered by customers in the process of handling business.

At work, we must conduct an all-round audit of loan customers and be familiar with the information of borrowers and guarantors. This job requires not only strong communication skills, but also strong judgment. Actually, this job is more like a salesman. The incumbent should have strong endurance and pressure resistance, do more business, take more orders, get more commission and earn more money.

Introduction:

Loan (electronic IOU credit loan) is simply understood as borrowing 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.

So much for the introduction of promising loan salesmen.