Summary of personal work of bank manager

Summary of personal work of bank managers: 5 articles

With the help of my leaders and the support of my colleagues, I have grown from a law student to a bank employee who can master most of the business skillfully. The following is a summary of my personal work as a bank manager, hoping to help you!

Personal Work Summary of Bank Manager (Article 1) As a bank manager, I attach great importance to my work, and I have done all these details in detail during this time. In the near future, I can still clearly understand what I am doing and what I have grown up in my work. As a lobby manager, I will definitely pay more attention to my work, which also gives me great confidence in this job. I know it means a lot.

I am conscientious and confident in this job. In the past few years in _ _ Bank, I have learned a lot and come into contact with some new things. Through this job, I have really improved a lot. This job has given me a lot of help and improved my business ability. I believe I can make more progress and get in touch with more jobs in the future. As the lobby manager, I feel very good. I can clearly understand my responsibilities. As a bank manager, I have a deep understanding of my responsibilities. I should be responsible for something. I learned a lot in my future work, which greatly improved me. Only by constantly learning and mastering more experience can I become a better manager, which is also the duty that a bank manager should perform.

Work can give me great motivation, because I like the working atmosphere here, and I still have confidence in my ability. The job of manager makes me feel really good, and I have been greatly improved in my daily accumulation. As a manager, I am very confident. I can still clearly feel this when I do this job. I am also serious about the employees of the bank, and I must do a good job with the correct working attitude. I also believe that this is where I should improve my progress. I've been noticing this at work recently. Thank the bank leaders for their trust in me. I am honored to be the manager of _ _ Bank, which has greatly improved me here. I clearly feel this.

I will definitely work harder on this job in the future. Now I deeply realize that banking business needs attention, and it must not be sloppy and must be treated strictly. In my daily work, I must learn to observe and watch every customer's emotional changes. Managers should know how to maintain the image of banks, which is certain, and we should also have a high sense of honor. We must understand the customer's thoughts, understand the significance of this job, and let customers feel our feelings.

Summary of personal work of bank manager (II) 1. The Necessity of Implementing Account Manager System

(A) the implementation of the customer manager system is the need to change the traditional model of banks. Due to the influence of long-term planned economy, the establishment of internal departments of banks extends the establishment of official and commercial institutions, and the service system is set up with banks as the center, and the internal departments are relatively independent. Customers need to go to different departments and different counters when they go to the bank to handle different kinds of business. The gap between counters and the phenomenon of buck-passing between departments often occur, which makes the service quality and efficiency of banks far from meeting the requirements of customers. Carrying out the customer manager system is conducive to changing the single traditional service model of banks.

(2) The implementation of the account manager system is the diversified demand of customers for financial products under the increasingly fierce competition of commercial banks. With the deepening of financial system reform and China's accession to the World Trade Organization, the competition among banks is becoming increasingly fierce, and the focus of competition among banks is to compete for high-quality customers. In addition, in recent years, economic development has diversified customers' demand for product evaluation, and banking services and product marketing have become more and more important. The innovation and development of banks also require banks to introduce the account manager system to provide customers with all-round financial services.

Second, the current problems in the implementation of the customer manager system

(A) The operational mechanism of account managers needs to be further improved. In view of the fact that account managers are not divorced from the professional setting, account managers are scattered in various professions and departments, and there is still a phenomenon of doing their own jobs and doing their own jobs. Therefore, it is difficult to implement tight management objectively, and at present, account managers do not have certain business disposal rights, which increases the difficulty of internal coordination to solve customer needs. For a long time, relatively independent departments only pay attention to the development of their own business, ignoring the overall operating efficiency of banks, unable to win customers, providing more services and having low overall efficiency, which is not only a waste of resources, but also detrimental to the overall advantages and benefits of commercial banks.

(2) The account manager's job responsibilities are not clear enough, and his functions are single, failing to give full play to the maximum energy efficiency of the account manager. Generally speaking, the job of the account manager is to represent the bank externally and the customers internally. The main function of the account manager is to develop new customers in the market, maintain the existing customer relationship, introduce various products and services of the bank to customers, and provide customers with the best financing plan and countermeasures to solve related problems. At the same time, the account manager should collect the customer information needed by the bank to carry out business and pass it on to the relevant departments in time. Moreover, at present, most of our account managers are single-minded, fragmented, lack of communication, have not stepped out of the traditional professional field model, and have not really reflected the service advantages of account manager integration. The work is limited to the level of "public relations", failing to find the right starting point according to the different needs of customers, and then comprehensively marketing the products and services of banks. In addition, the internal organizational structure of banks is not reasonable, and the division of responsibilities is too fine, which also makes the work of account managers at a loss.

(C) The selection of account managers lacks a scientific qualification certification system. In the process of implementing the account manager system, there is no scientific and complete selection and assessment method for recruiting account managers. Most of the hired account managers are former loan officers and public finance officials. The lack of proper professional post training and systematic study of cultural knowledge and professional knowledge leads to the low quality and single knowledge of the selected account managers, which can not meet the requirements of the market and the business development of commercial banks. It shows that the marketing ability is not strong, the risk prediction ability is poor, and the entry point to the market, industry and customers is not allowed, resulting in market loss and business loss, which seriously hinders the pace of banking business development.

(d) Inconsistent responsibilities and rights of account managers. In the trial of account managers, according to the management requirements of commercial banks, although the relevant job responsibilities have been formulated, most of them are qualitative tasks, without detailed quantitative indicators and clear work objectives, and lack of corresponding reward and punishment measures. The daily work mainly depends on their sense of responsibility and consciousness, which is seriously out of touch with their responsibilities and rights, and can not well mobilize the enthusiasm of the majority of account managers and play an incentive role.

Third, ways to promote and improve the customer manager system

(1) Implementing the goal of the account manager The goal of the account manager is to shift the focus of work to business marketing, vigorously explore new business areas, and flexibly combine the mechanism with the business to achieve the goals of planning, delivery, organization and operation. Planning is planning design work planning; Transmission is to convey the bank's ideas and ideas to customers, and then feed back the customers' ideas to the bank, playing the role of an intermediate bridge; Organization means that the customer management department organizes the publicity of various businesses and the marketing of various business activities from the perspective of the whole bank to realize the linkage of the whole bank; Operation is the concretization of the account manager's own business.

(B) clearly publicize the task of the account manager

1. Analyze and study the market, strengthen the research on customers, divide customers into several service objects, and provide specific services according to different needs.

2. Actively carry out public relations activities, make full use of the advantages of banking network, publicize financial laws and regulations, policies and systems, business projects and financial products operated by banks, and provide customers with various consulting services and financial services.

3, according to the actual situation of customers, objectively and fairly evaluate the level of customers, and constantly adjust the service measures.

4. Collect, transmit and feedback customer information, and coordinate all banking departments to provide customers with all-round financial services according to customer needs and business development.

5. Monitor customer risks, pay attention to the daily supervision of customers, actively grasp the customer's ideological trends and business behaviors, and effectively prevent risks. Account managers should give full play to their subjective initiative and creatively exert their own advantages through investigation and analysis when completing various tasks and business indicators issued by banks. In the process of providing services to customers and promoting marketing financial services, we should be good at combining banking products and new technical means with customer services, providing targeted personal financial plans and corporate financial plans, and tailoring different financial plans according to customers' needs, funds and investment intentions, which is the key for account managers to expand their business and provide comprehensive services to customers.

(III) Operation method and process of the account manager system The account manager department aims to compete for high-quality customers by establishing and perfecting the account manager system and realize a new management mechanism focusing on marketing and customer relationship management, so as to achieve the purpose of improving operational efficiency.

1, formulate specific implementation measures. In the process of implementing the account manager system, we should formulate corresponding management assessment methods, give priority to the account manager in terms of manpower, material resources and financial resources, and give priority to office conditions, vehicles and communication equipment. Account managers have a certain range of rights to withdraw public relations expenses, and it is clearly stipulated that account managers with outstanding work performance should be given preferential treatment in material and spiritual aspects.

2. Set up and configure the account manager reasonably. Account managers should be set according to the principles of intensive management, hierarchical setting and rational allocation, and are not limited by regions and majors. Different levels of account managers should be equipped with different levels. Account managers are divided into senior, intermediate and junior according to their work ability and performance. Account managers of different levels and grades are responsible for different levels of customers and enjoy different rights and treatments. The goal of the account manager depends on the different situation of the customer.

3. Do a good job in customer segmentation. A according to the nature of customers, it is divided into corporate business customers and personal business customers; B according to the different management methods and organizational structures of the company's business customers, it is divided into system industry customers and independent enterprise customers; C according to the different credit ratings of independent enterprise customers, it is divided into high-quality customers, general customers and inferior customers; Personal business customers are divided into big customers, medium customers and small customers according to the business scale. On the basis of customer classification and according to the size of customers, the competent department of account manager sets the annual work target of account manager, signs the responsibility letter, and evaluates rewards and punishments every quarter.

(D) to strengthen the team building of account managers

1, open recruitment, competition for posts. By introducing competition mechanism, employees who love the financial industry, have high political quality, strong political level, high professional level and strong professionalism will be hired to the position of account manager, and a relaxed environment will be created for them in terms of welfare and working environment. In the specific implementation, it is necessary to establish an access and exit mechanism for account managers, make the qualifications and conditions that account managers should have public according to the principle of "open recruitment, merit-based appointment and dynamic management", and implement open recruitment and competitive recruitment in the industry, so as to let account managers survive the fittest and ensure that those who stay are not the oldest and the highest educated, but the best under market inspection.

2. Strengthen assessment, evaluation, rewards and punishments. Establish assessment methods for the work of account managers, and formulate corresponding reward and punishment measures. Account manager's salary and funds are linked to the completion of tasks, and dynamic management is implemented. Give spiritual and material rewards to those who have completed the assessment tasks during their term of office, and punish those who have not completed the tasks. We can use a certain special fund to reward account managers who have made outstanding contributions to the bank, build a platform for people of insight to display their talents, use a new incentive mechanism to make outstanding talents stand out, imitate Citibank's management mode of "rewarding according to merits", and conduct objective and fair assessment according to specific personal performance.

3. Strengthen business training and improve the quality of account managers. First, we must have a high sense of responsibility and professional ethics; Second, we should have higher professional quality and policy level; Third, quick-witted, good at analyzing and finding problems; Fourth, we must have strong ability to tackle key problems, coordinate and tackle key problems. Therefore, it is necessary to carry out targeted on-the-job training on a regular or irregular basis in combination with the actual work of account managers, so as to ensure that account managers have a deep understanding of financial products and update their knowledge, better adapt to the needs of this position, increase learning opportunities for account managers, strengthen step-by-step training, and purposefully select or arrange research outlines, so as to enhance account managers' understanding of the market and improve their ability to analyze problems. At this point, commercial banks such as Chase Bank and Citibank in the United States spare no expense to spend 25% of their working time training account managers every year and study in closed overseas, which provides us with a good reference.

4. Improve the account manager system and implement the multi-functional account manager responsibility system. With the rapid development of social economy, customers' requirements for financial services will be higher and higher. As a link between banks and customers, account managers must be familiar with the various businesses and policies of banks in order to meet the various needs of customers. For every account manager, we should not only pay attention to deposit marketing and credit marketing, but also pay attention to collecting loans and interest, and develop new business, which truly reflects "grasping outside and separating when we come back".

5, the implementation of customer manager hierarchy. For all kinds of account managers, hierarchical management is implemented according to the three-level entry setting of senior high school and junior high school. Senior account managers can get certain marketing expenses within the scope permitted by the financial management system, and the marketing expenses are extracted according to a certain proportion of the customer contributions managed by the account manager for the necessary expenses of customer marketing. Have the right to require all relevant business departments to give timely answers or explanations to the customer information, needs and inquiries submitted by them. So as to ensure the smooth implementation of the account manager system and achieve good results.

Summary of personal work of bank managers (Chapter III) Busy and non-stop work in the post, in order to develop new business of the bank, struggle in the post, persist in doing a good job, improve their own affairs, and reassure customers and banks.

Work is not afraid of fatigue, but it is afraid of no result. This is what makes people feel tired. I didn't feel much in this position before It's not so difficult to see your predecessor busy in this position, but it's a very difficult test in your own hands. In order to make up for the work gap, we changed our policies and strategies and went to various units and companies to ask if anyone was willing to handle business. Although this effect is not very good, it takes time, but I find it can develop the enthusiasm of employees very well.

Many employees are unwilling to communicate in detail on the phone, resulting in little business in the end, giving them many problems, responsibilities and pressures, giving everyone a lot of pressure, sharing the pressure on each employee, letting them know the urgency of the work, and greatly improving the work efficiency of our department. In our bank, many people are too comfortable and stable, which leads to a lack of active struggle and efforts. This has added many obstacles to our work. The key to breaking the game is that I am the manager and the soldier is fierce. I don't want to be fierce, but the whole department is fierce. Therefore, I want to make our department younger and have new changes. So that's what I would like to do.

Relevant information and data will be distributed to all employees every day, so that they have more data to contact customers. Those with good grades can continue to work in the company, while those with poor grades can sweep the floor and put down their posture and face in order to do good things and achieve things. I let people in the department know that it is not useless to break through every customer and get their approval, but an elite. I use the elimination system to cultivate the positive ability of department members and reward them with various rewards, so that they have confidence and comfort in their work. At least, it's not a waste of time. Everyone's job responsibilities are very important, and everyone needs to be busy with those tired and nothing special to turn sheep into fierce wolves in nature.

At the same time, I have never been complacent about my work, and most of my achievements are the result of the efforts of various departments. What I did in it was intermediate command and dispatch, and I didn't participate in it. This is also the meaning of my work. Different responsibilities, different nature of work and different efforts. I always focus on the overall situation, make our work meaningful, create more business for banks and bring more benefits. Of course, we will also receive customers. One of the characteristics of our department is to respect customers and give them advice. We will not mislead customers regardless of their situation, give them more opportunities and give them more possibilities. This is what our bank should do.

Summary of personal work of bank managers (Chapter IV) Twenty years have passed. With the care of the branch leaders and the help of my colleagues, I have made some achievements, made great progress in banking knowledge and improved my personal marketing ability.

First of all, in terms of work performance, under the guidance of branch leaders, I made great efforts to market corporate customers and successfully undertook the first credit business since the transformation of Haizhu Branch. By the end of 2000, the Bank had accumulated a credit line of 500 million yuan, driven enterprises to deposit more than 80 million yuan, realized interest income of 6.5438+600 million yuan, and realized intermediary business income of 290,000 yuan. Personal housekeeping enterprise _ _ has been successfully declared as a key customer at the head office level, and is assisting branch leaders to actively market a number of downstream enterprises. In terms of small business marketing, we also successfully marketed a _ _ enterprise, and through cross-marketing, we realized an increase of 6.5438+0.6 million yuan in private deposits by the end of the year. In the small index assessment of the company's account manager, my performance ranks in the top 5 in the whole branch.

Secondly, by learning from leaders, product managers and books, we have fully mastered our credit business knowledge. A year ago, when I first transferred to the company as an account manager, I knew little about the company's business and credit products. After one year's study, I have basically mastered the elements of most credit products of China Everbright Bank, and can design reasonable credit schemes and specific business products for customers according to their financial status, guarantee status and business characteristics through communication with customers. In addition, while I am familiar with the business products, I actively study the credit risk control measures of China Everbright Bank. As the only account manager, I took the first credit approver exam held by the branch and passed it successfully. In the compliance essay activity held by the branch, my article "It is imperative to build a deep-rooted compliance culture of commercial banks" won the second prize of the head office.

Finally, in the process of business marketing, study hard, accumulate bit by bit, and strive to improve personal marketing ability. As an account manager, his duty is to serve customers well. On the one hand, he should be familiar with his business products and know what he can bring to customers. On the other hand, he should understand what customers want, especially the latter, and their needs, so as to create conditions to meet them. Model essay on personal marketing ability. Ku。 The improvement of sorting depends largely on the understanding and satisfaction of customers. Therefore, in the process of communicating with customers, I constantly tap customers' hobbies, interests and specialties, try to talk about topics of interest to customers and solve problems that customers need to solve urgently.

The past year has been a year of enrichment and progress for me. At the same time, these personal achievements can not be achieved without the care, guidance and encouragement of branch leaders. Of course, in the past year, I also made mistakes and had some shortcomings, especially in maintaining existing customers and tapping customer resources, which is exactly where I need to work hard in the future.

The work plan for 20__ years is to strive to maintain existing credit customers, make good use of resources, do a good job in customer marketing, and maximize the profit of credit line under the current credit shortage situation. Secondly, we should firmly grasp the regional characteristics of Haizhu, open up professional markets, do a good job in credit marketing for small and medium-sized enterprises, and strive to achieve results. The third is to give full play to the advantages of wealth management products, strengthen on-site services, and tap the deposit potential of stock settlement accounts and market companies. Fourth, vigorously expand the small business settlement households around Haizhu Sub-branch. The fifth is to strengthen cross-marketing and serve customers in an all-round way with individual account managers.

After 20 years, I am determined to work harder, study hard, strive for progress in all aspects and become an excellent account manager.

Summary of personal work of bank managers (Chapter 5) Twenty years have passed. With the care of the branch leaders and the help of my colleagues, I have made some achievements, made great progress in banking knowledge and improved my personal marketing ability.

First of all, in terms of work performance, under the guidance of branch leaders, I made great efforts to market corporate customers and successfully undertook the first credit business since the transformation of Haizhu Branch. By the end of 2000, I had achieved a total credit line of 550 million yuan, driven enterprises to deposit more than 80 million yuan, and realized the] model project' library. Interest income is 6.5438+0.6 million yuan. Personal housekeeping enterprise _ _ has been successfully declared as a key customer at the head office level, and is assisting branch leaders to actively market a number of downstream enterprises. In small business marketing, we also successfully marketed a _ _ enterprise, and realized the] plan-model' library by cross-marketing. At the end of the year, private deposits increased by 6,543,800 yuan+6,000 yuan. In the small index assessment of the company's account manager, my performance ranks in the top 5 in the whole branch.

Secondly, by learning from leaders, product managers and books, we have fully mastered our credit business knowledge. A year ago, when I first transferred to the company as an account manager, I knew little about the company's business and credit products. After one year's study, I have basically mastered the elements of most credit products of China Everbright Bank, and can design reasonable credit schemes and specific business products for customers according to their financial status, guarantee status and business characteristics through communication with customers. In addition, while I am familiar with the business products, I actively study the credit risk control measures of China Everbright Bank. As the only account manager, I took the first credit approver exam held by the branch and passed it successfully. In the compliance essay activity held by the branch, my article "It is imperative to build a deep-rooted compliance culture of commercial banks" won the second prize of the head office.

Finally, in the process of business marketing, study hard, accumulate bit by bit, and strive to improve personal marketing ability. As an account manager, his duty is to serve customers well. On the one hand, he should be familiar with his business products and know what he can bring to customers. On the other hand, he should understand what customers want, especially the latter, and their needs, so as to create conditions to meet them. To a great extent, the promotion of personal marketing ability lies in understanding customers and satisfying them. Therefore, in the process of communicating with customers, I constantly tap customers' hobbies, interests and specialties, try to talk about topics of interest to customers and solve problems that customers need to solve urgently.

The past year has been a year of enrichment and progress for me. At the same time, these personal achievements can not be achieved without the care, guidance and encouragement of branch leaders. Of course, in the past year, I also made mistakes and had some shortcomings, especially in maintaining existing customers and tapping customer resources. I haven't done enough, which is exactly what I need to work hard in the future.

The work plan for 20__ years is to strive to maintain existing credit customers, make good use of resources, do a good job in customer marketing, and maximize the profit of credit line under the current credit shortage situation. Secondly, we should firmly grasp the regional characteristics of Haizhu, open up professional markets, do a good job in credit marketing for small and medium-sized enterprises, and strive to achieve results. The third is to give full play to the advantages of wealth management products, strengthen on-site services, and tap the deposit potential of stock settlement accounts and market companies. Fourth, vigorously expand the small business settlement households around Haizhu Sub-branch. The fifth is to strengthen cross-marketing and serve customers in an all-round way with individual account managers.

After 20 years, I am determined to work harder, study hard, strive for progress in all aspects and become an excellent account manager.

Chapter 5: Summary of the work of individual account managers in banks.

In the past 20 years, there are many things worth remembering for the bank employees who are at the center of the reform wave, especially for me who work in the position of account manager. The competition made me feel the pressure from the beginning, that is, since then, I have more vitality in my heart, so I must work hard and live up to my mission. That's what I think and do. Over the past year, I have followed the pace of the department leadership in my work and worked hard to complete all the work around the key points of the department. With wisdom and sweat, with actions and effects, it embodies the spirit of dedication and selfless dedication.

Customer first, deposit as the center.

Due to the change of customer policy and unfair and vicious internal competition, my deposit has been greatly reduced. Up to now, my deposit task is still1600,000 yuan per day, and I personally withdraw 2.5 million yuan.

Customer first, deposit as the center.

In my work, I always set up the concept of customer first, taking the customer's affairs as my own business, worrying about the customer's urgency and thinking about the customer's thoughts. In terms of working methods, I always achieve "three diligence", diligent in moving my legs, diligent in hands-on and diligent in thinking, so as to win the support of customers for our business. I can be a serious and responsible person in my work.

"The needs of customers are my job."

I have been engaged in credit and deposit work in banks for more than ten years, and I have a comprehensive ability to work independently. With the needs of bank reform, my working ability and comprehensive quality have been greatly improved, and my business level and professional skills have also been updated and improved with the reforms in various stages. In order to live up to my mission and strive to complete the tasks assigned by my superiors, I, as the account manager of the customer, with the help of the department, boldly explore ideas, establish the idea of customer first, recruit different customers, adopt different working methods, and strive to provide the best financial services for customers. My understanding of work is that "the needs of customers are my work".

Open up new ideas, be brave in innovation and work creatively.

With the reform of China's economic system and financial system, the trend of customers choosing banks has been formed, and the competition among banks is becoming increasingly fierce. In terms of business development, you have me and I have you. In order to survive and develop in the competition, how to serve key customers plays a decisive role in our business development.

I think as an account manager, we should always pay attention to market research and market dynamics. Studying the market is to analyze the marketing environment, study the customers on the premise of grasping the objective environment, understand the operating rules of customers' funds through the research on customers, and strive to track the downstream funds from customers to our bank, so as to realize the "monopoly control" of funds from the source, realize the internal circulation of funds and consolidate our financial strength. In one of my customers this year, the capital flow is relatively large. In order to make its capital circulate in the body, I started from scratch, won the trust of the unit with high-quality service, and gradually found out the downstream units of the unit. Through many door-to-door contacts, all the infrastructure funds allocated by the unit were left in our account. In addition, in July this year, the municipal government asked the national treasury to take the initiative to contact the door when transferring the funds out of the commercial bank, and successfully retained the customer's funds in our bank.

Another example is to carry out health and fitness activities as a clue, which not only pushes the communication with customers to a deeper level, but also breaks the traditional public relations model and has received very good results in the work. In September this year, when I had a friendly exchange of skills with the relevant personnel of a real estate company, I learned that the customer wanted to auction some of his properties and worked actively to transfer the auction money of 5 million yuan to our bank smoothly.

I have a strong sense of professionalism and responsibility in my work. I work hard and actively. I never pick and choose, and I don't pick heavy ones. I can try my best to finish every job on time and with good quality. In my daily work, I always insist on high standards and strict demands on myself, taking the overall situation into account, regardless of gains and losses. In order to complete various tasks, I will sacrifice my spare time, give up weekends and holidays, and use all the time and opportunities to serve customers, make friends with customers and be friends that customers are willing to associate with. Through unremitting efforts, I have worked for 20 years, although the result is not satisfactory due to unfair competition in the industry. Strive for a greater breakthrough next year!