Why are credit auditors so short of people?

1. Why is there such a shortage of credit auditors?

1, the company's system problems, many companies do not have too many external requirements for credit audit, only require performance standards.

2. There is prejudice against credit audit, because improper collection by credit auditors has caused great misunderstanding to credit audit.

3. The salary of the credit auditor is not high. Many credit auditors are paid high salaries when recruiting, but it is actually very difficult to really get that much, especially in their hands. Newcomers always use various excuses to deduct money after joining the company.

Reasons why private enterprises attract bank credit auditors with high cost;

This is mainly due to the close relationship between such enterprises and the staff above the level of bank credit auditor.

Take enterprise loan extension as an example. After the enterprise's loan expires, most of them have the desire to renew the loan, and the enterprise loan is often related to the deposit. Then, under the premise of tight funds, enterprises have to make short-term turnover through high-cost private lending and deposit the funds obtained from private lending in banks to obtain loans. On the other hand, private capital will worry that these enterprises will not come back, and even take money to run away.

At this time, the loan company and the investigation company will get in touch with the credit auditor, so as to grasp all links in the process of bank loan renewal and ensure the safety of private funds or funds.

Among the bank credit auditors surveyed by the reporter, almost all employees have contact with the loan and investigation company by default. The identity of bank employees and the added value after leaving their jobs provide a channel for obtaining information and even conveying benefits in the future. It is not difficult to understand why bank credit auditors choose loan companies or loan investigation companies to live after leaving their jobs. In addition, it also shows that the current loan environment, especially for small and medium-sized enterprises, is still grim.

Small enterprises need to obtain financing from banks, and the comprehensive cost of capital is 15%~20%, which does not include the public relations expenses of enterprises, and the cost of capital remains high.

Second, why is there such a shortage of credit auditors?

Because the work is very hard, there are many procedures and processes to be handled, and the mobility of this position is too great, which often leads to the loss of people above the post.

Job responsibilities of credit auditors

Job responsibilities:

1. Responsible for signing the mortgage loan and sending it to the bank for review;

2. Follow up the results of notarization, evaluation and bank approval;

3. Track and sort out the information needed for housing transactions until the bank lends money;

4. Close the case and file it.

Development path:

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.

Baidu encyclopedia-bank loan officer

Third, why is the bank's personal loan review post short of people?

Why the bank's personal loan audit post is short of people;

Nobody wants to do a loan review at the bank.

Banks don't want to issue loans, so they check vacancies.

There is indeed a shortage of people, which leads to a short-term shortage of people.

4. What problems do credit auditors usually encounter when auditing customers?

You will encounter problems such as the authenticity of customer information and the exaggeration of repayment ability by customers.