Contents of loan examination and approval, contents of loan audit

What does a loan information auditor of an accounting firm do?

Their job is mainly to examine the loan application in various ways to determine whether the borrower meets the loan conditions.

1. For data review, the customer needs to provide corresponding data according to the product outline, and the reviewer must strictly check. If the information is missing, it will be returned immediately and supplemented, and priority will be given to supplementing decision-making information: application form, ID card, credit report and income certificate; The approver should pay attention to the authenticity of the information, and refuse to deal with it directly if false information is found.

2. Online audit:

(1) Network information review: You need to enter the applicant's name and ID number for each application, so as to check the personal lawsuit.

(2) Verification standard of industrial and commercial network information: the auditor needs to inquire about the industrial and commercial network information of the enterprise independently and note the corresponding key information in the audit result report. Employees of government agencies and institutions do not need to check the industrial and commercial network.

3. Conduct a telephone audit. My mobile phone must be dialed, and the mobile phone with inconsistent lines is preferred; If I answer a single phone call, I need to verify my identity and check the mobile phone of the application form, then let me answer the mobile phone (I can divide it after answering, and then call my colleagues to verify my work information.

4. Conduct some surveys. Investigate the identity legitimacy, data authenticity and credit status of the borrower and related parties, investigate the historical status of the borrower, and focus on analyzing the borrower's employment experience, certificates and abilities; Industry prospects and risks. Investigate the borrower's repayment source, and evaluate the adequacy of the customer's repayment source through the bank account running bill, tax bill, rent amount, utilities, etc.

The work of the loan auditor is very rigorous, and there is no room for carelessness. They should make a comprehensive review of the qualifications of borrowers. First, they should review the information to ensure its authenticity and completeness. Then they have to audit online, mainly according to the standards, but also by telephone to determine the identity information, and finally investigate the identity and credit of the borrower. This work is an indispensable part of the loan.

What should the audit post of the credit department do every day?

Review and approve job responsibilities

(1) Being responsible for the legality, compliance and authenticity of the loan project, mainly examining the completeness of the information provided by the borrower, the legality and compliance of the loan procedure and the accuracy and rationality of the opinions of the investigation and evaluation posts;

(two) according to the submitted materials, analyze the advantages and risks of borrowers and loan projects, and put forward risk control measures;

(three) responsible for the loan project, loan currency, amount, term, interest rate, loan method, repayment method, loan subject and so on.

In a word, it is to review the legitimacy and integrity of loan information.

Under the modern economic model, loan officers play an increasingly important role as a bridge, which is the link between enterprises and other commercial institutions and banks.

Loan officers help potential customers to apply for loans.

At the same time, credit personnel should collect specific information of individuals and enterprises, and analyze the borrower's credit status and repayment ability to ensure the reliability of decision-making.

Loan officers also provide guidance to customers who have difficulties in traditional loan credit requirements, including: providing the best type of loans for specific customers and explaining their specific requirements and restrictions.

Modern loan officers lack senior talents, especially those with good quality, good employment prospects and good treatment.

Loan officers can develop into bank account managers through the accumulation of certain experience.

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.

Announce the types, terms, interest rates and conditions of operating loans, and provide consulting services;

Guide to fill in the loan application form and help to handle the loan application and other business;

Assist relevant personnel and departments to evaluate the credit rating of borrowers;

Investigate the legality of the borrower and other factors, verify the situation of collateral, pledge and guarantor, and measure the loan risk;

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

Issuing loans, tracking, investigating and checking the contract execution and operation of borrowers;

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;

Collect relevant information and assist borrowers who fail to repay the principal and interest by relevant departments;

Establish and improve the loan quality preservation system, classify, register, evaluate and collect non-performing loans, and write off non-performing loans in time;

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

Baidu Encyclopedia _ Bank Loan Officer

What does the housing loan qualification examination include?

Content of housing loan qualification examination: 1. Work situation: Usually, when applying for a loan, in order to ensure that the borrower can repay the loan on time, the lending institution will inspect the borrower's job occupation to judge his income level. Compared with other occupations, ordinary civil servants, teachers, employees of the world's top 500, etc. Their income is generally stable and high, and it is easier for them to get loans.

2. Income level: The income level of the borrower can directly prove its repayment ability, that is, the higher the income, the stronger the repayment ability, and the higher the chance of getting a loan naturally.

3. Bank flow: Generally, when applying for a loan, the borrower needs to provide relevant bank flow certificates in addition to meeting the relevant loan conditions, which is generally more than half a year, which is also one of the keys to applying for bank loan evaluation.

4. Personal credit record: Under normal circumstances, the borrower's credit record is also the focus of the lender's investigation. If the borrower's credit is good, then in the bank's view, it will have a certain degree of integrity and will naturally repay the loan on time.

5. Debt situation: Although the borrower can apply for a loan again even if he has already made a loan, if the borrower's debt ratio is too high, there will be great risks in repayment, so it will not be too easy to apply for a loan. According to the regulations of the bank, the general borrower's total debt ratio shall not exceed 50% of the borrower's total income.

I hope my answer is helpful to you!

What does the loan review generally review? These are the most important things!

Now, whether you go to the bank for a loan or borrow money through mobile phone software, you need to review it. Review time varies from a few minutes to a few days. In addition to the borrower's personal identity information, the credit report is an important object of review. So what is the specific content of the review? Let's get to know each other.

Loan records for one or two years

The credit report will have the borrower's detailed personal data and loan records, and banks and financial institutions will focus on six aspects. First, the lending institutions, second, the total amount of loans, third, the types of loans, fourth, how many loans are still outstanding, fifth, the amount of loans to be repaid every month, and sixth, the situation in loans overdue.

As can be seen from the above, the borrower's debt ratio and repayment pressure are not great, so it can be judged whether the borrower has enough repayment ability to avoid the subsequent loan being unable to repay due to excessive pressure.

Second, credit card records.

Information such as application, installment, overdue and rejection can be reflected in the credit report. Banks mainly look at the current number of credit cards, the total overdraft of credit cards and the overdue situation of credit cards.

I suggest you don't apply for too many credit cards, 2-5 or so are more suitable. Too many cards will inevitably lead to the suspicion of cashing out the cards, so it is more difficult to apply for other businesses.

Third, personal data.

Bank financial institutions will compare personal information such as name, education background, date of birth, age, home address, contact information, marital status, work unit, telephone number, education background and spouse information with the loan application form to see if there is anything false or forged.

In short, the loan review will not only compare your personal data, but also analyze your assets and liabilities to see if you meet the conditions for loan and card application. If you don't meet them, you will refuse them directly.

What is the specific job of the company's credit auditor every day?

There are three working methods: telephone audit, face-to-face audit and foreign visit.

The daily work of the company's credit auditors is mainly divided into three types:

1. telephone audit, there is no room for development, almost dead wages, and the pressure is particularly great.

The company requires you to control the risk of customers, and at the same time you want your performance. Sometimes you know that customers are not qualified enough, but you still can't refuse, because if you refuse all customers, the business department will start to find trouble with your department. You should know that in any company, the business department is the focus of all the company's resources.

2. Face-to-face review, there is no room for development, and it is almost a dead salary. The job is to ask the customer again according to the content of the application form after filling it out. I don't understand why this position of reading the same text can always exist.

3. There is room for development when going abroad for inspection, and the salary can be ignored because you will receive a big red envelope every time you come to the door. Overseas visit is to go to the customer's unit or enterprise to assess the customer's qualification on the spot, but usually it is to have a meal after going to the place and leave with a red envelope, so there is still a lot of oil and water.

What does Ping An Credit Auditor do?

Ping An Credit Auditor is a position recruited by Ping An Insurance Co., Ltd., which has both the requirements of general credit auditors and its own characteristics.

Job responsibilities:

1. Conduct credit investigation on customers who apply for loans.

2. Verify the authenticity of the documents submitted by the loan applicant.

3. Verify the identity of the applicant and prevent financial fraud.

4. Collect other necessary documents and information to provide necessary basis for credit decision.

5. Write an opinion analysis for the audit results.

6. Other work assigned by superiors.

Extended data:

Loan type

According to different loan subjects, loans can be divided into self-operated loans, entrusted loans and special loans. Among them, entrusted loan refers to the funds provided by the client, and the bank acts as the trustee according to the object designated by the client.

Use, amount, term and interest rate, etc., only charge a handling fee and do not bear the loan risk. Specific loans refer to loans granted by wholly state-owned banks with the approval of the State Council after taking corresponding remedial measures for the losses that may be caused by loans.

(2) According to the borrower's credit, loans can also be divided into credit loans, secured loans (secured loans, mortgage loans,), bill discount and other types.

According to the different purposes of loans, they can be divided into working capital loans, fixed assets loans, industrial loans, agricultural loans, consumer loans and commercial loans. No matter what kind of loan, all borrowers should provide guarantee, except those who are examined, evaluated and confirmed by the lender to have good credit standing and can repay the loan.