What are the responsibilities of the credit investigation post, review post and approval post?

1. What are the responsibilities of the credit investigation post, review post and approval post?

responsibilities of investigation and evaluation post (1) to be responsible for the acceptance of customer loan applications, review the borrower's credit standing, loan conditions, loan purposes, etc., and put forward preliminary opinions on whether to initiate an investigation; (two) to be responsible for the investigation, evaluation and identification of the legal compliance, authenticity, safety, liquidity and efficiency of the loan project; (three) responsible for handling the relevant procedures and matters of the loan, such as the investigation and determination of the qualification and ability of the guarantor, the evaluation and registration of the collateral, etc.

responsibilities of the post of examination and approval (1) to be responsible for examining the legality, compliance and authenticity of the loan project, mainly reviewing the completeness of the information provided by the borrower, the legality and compliance of the loan procedures, and the accuracy and rationality of the opinions of the investigation and evaluation post; (two) according to the submitted materials, analyze the advantages and risks of borrowers and loan projects, and put forward risk control measures; (three) to be responsible for making suggestions on loan projects, loan currency, amount, term, interest rate, loan method, repayment method and loan subjects.

responsibilities of the decision-making post for examination and approval (1) to put forward decision-making opinions on whether to lend or not to lend within the examination and approval authority, and submit the approval opinions and relevant materials to the decision-making post at the next higher level for examination and approval in time for loans exceeding the examination and approval authority; (two) determine the loan currency, amount, term, interest rate, loan method, repayment method, loan subjects, etc.; (three) put forward control measures for the risks existing in the borrower and the loan project; (four) responsible for handling major issues in the loan business.

Post-loan management post responsibilities (1) Responsible for monitoring the borrower's operation and management and post-loan tracking management of loan usage; (two) responsible for the recovery of loan principal and interest; (3) Responsible for collecting relevant information of customers; (four) to be responsible for the post-loan inspection according to the regulations, and submit the post-loan inspection report and the comprehensive evaluation report of the loan according to the prescribed time.

second, 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 arranged by the superior.

Extended information:

Types of loans

① According to different loan subjects, loans can be divided into three types: self-operated loans, entrusted loans and specific 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.

only the handling fee will be charged when handling the loan formalities according to the conditions of use, amount, term and interest rate, and the risk of the loan will not be borne. Specific loans refer to loans issued by solely state-owned banks after being approved by the State Council and taking corresponding remedial measures for possible losses caused by loans.

② According to the different credit of borrowers, loans can also be divided into credit loans, secured loans (secured loans, mortgage loans,) and bill discounting.

③ 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 have been examined, evaluated and confirmed by the lender that the borrower's credit standing is good and can repay the loan.