Financial loan job description

What is credit? What exactly does it do?

1. Credit, that is, credit loan, refers to the loan granted on the basis of the borrower's credit, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is cited as repayment guarantee. This kind of credit loan has long been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk. Mainly to provide loans to lenders without property guarantees.

2. Behavior: Credit is a lending behavior that reflects certain economic relations between different owners. It is a special form of value movement on the condition of repayment. It is a credit activity in which creditors lend money and debtors repay and pay certain interest on time. (gain income by transferring the right to use funds). Credit can be divided into broad sense and narrow sense. Credit in a broad sense refers to the general name of credit activities with banks as the intermediary and deposits and loans as the main body, including deposits, loans and settlement business. Credit in a narrow sense usually refers to bank loans, that is, the issuance of monetary funds with banks as the main body.

Extended data:

I. Job responsibilities of loan officers

The work of loan officers in different financial companies will be different, but in fact, loan officers need to be responsible for the sales and promotion of corporate loan products, and can achieve sales targets as required. At the same time, loan officers need to explore the market, find new customers and maintain old customers, so as to increase the sales scope of products and reach a good long-term cooperative relationship with customers.

Second, the loan officer daily work content

1. Can independently develop customers, tap potential customers through various channels, actively get in touch with customers, and provide professional financing solutions for customers according to their loan needs.

2. Complete the loan business, review the borrower's information before lending, ensure the customer's credit standing is good and the information is complete, and finally negotiate the loan plan with the customer.

3. After signing the loan contract, agree with the customer on the loan amount, interest, repayment method and loan term.

After the loan is issued, you should be responsible for the recovery of the loan amount, and pay close attention to the borrower's financial situation and whether the loan amount is used reasonably.

5. After completing the service, new customers should be able to maintain old customers and develop their secondary financing needs.

6. At ordinary times, we should also pay attention to follow up the intended customers and make some return visits regularly to improve customer satisfaction.

What does a credit expert do?

Question 1: What does a credit specialist do? Credit Commissioner; Actually, it's business. It's a good name to call the Credit Commissioner.

Generally speaking, there are two kinds of salesmen (credit specialists), one is enterprise salesmen, that is, they go to enterprises and companies to do business.

One is an individual salesman, that is, handling personal loans.

In addition, the bank will certainly give you a desk, but you mainly have to run outside. Of course it's easy to do it if you have a relationship, but it's difficult if you don't. Because every salesman has indicators.

Question 2: What does a loan officer do and what is the prospect of being a loan officer? Loan officers are now called account managers. Mainly responsible for customer development, review, issuance and post-loan management of personal loans and corporate loans.

To put it bluntly, it is lending. It is a better position in the banking industry, with great flexibility, pressure, risk, oil and water and good prospects. A good loan officer is a generalist who studies both inside and outside. ...

Question 3: What does a loan officer do? I work in a small loan company. Generally speaking, I just lend money, that is, I can get a commission ~ In the process of lending, I should do a good job in risk prediction, investigation (on-the-spot investigation, credit investigation and information collection, such as the other party's business license, tax return and so on. ), and finally write a report to let others decide whether to borrow it or not ~

Question 4: What does a bank loan officer do? In fact, the loan officer is now the account manager of the bank, originally called the loan officer, as the name implies, is to do credit work. Customer department of the current branch. Now the branch is divided into business department and customer department. The sales department is engaged in counter business, including savings and corporate accounting. The customer department is engaged in credit business, pulling deposits and lending. Now the account manager, in fact, is not very demanding on quality, the key is to pull deposits!

Question 5: What does it take to become a credit specialist? Credit union community, loan officer exchange community to serve you: With the liberalization of national policies, p2p institutions have a growing demand for loan officers, and cities generally need college or above (experienced high schools) with different academic qualifications, and there is no financial knowledge to train! Generally, after entering the organization, there will be experts who will get started in the first three months and become very skilled in one month! It is necessary to begin to analyze and practice the mastery of products, presentation skills, speech skills and so on.

Question 6: What do the approving officers of financial and credit companies do? The work of the company's finance and credit officers is as follows.

1. Announce the type, term, interest rate and conditions of the loan and provide advice to the borrower; Understand the needs of borrowers, ask them to provide basic information such as financial reports, guide them to fill out loan applications and handle loan applications for them.

2. According to the borrower's capital structure and other factors, assist relevant personnel and departments to evaluate the borrower's credit rating.

3. Investigate the legality of the borrower's loan and other factors, verify the situation of collateral, pledge and guarantor, and determine the loan risk.

4. Reply to the borrower's loan application, sign a loan contract with the borrower, sign a guarantee contract with the guarantor as needed, or go to the notary department. Please keep this mark for notarization.

5. Lend loans to the borrower, and conduct follow-up investigation and inspection on the borrower's performance of the contract and operation.

6. Negotiate with the borrower according to the requirements of the borrower, and handle the prepayment and loan extension.

7. Issue a notice of repayment of principal and interest to the borrower on the due loan, and urge the borrower to repay the loan; Issue overdue loan collection notice to collect overdue loan principal and interest.

8. Collect relevant information and assist relevant departments in legal proceedings against borrowers who cannot repay principal and interest.

9. Establish and improve the loan quality preservation system, and classify, register, evaluate and collect non-performing loans.

Question 7: What does it mean to get a loan? What is the job of a credit expert? Is to find customers who need loans. There is also the need to deposit money with rich people. Credit officer: What you usually do is to develop customers.

Question 8: What does the credit department manager do? As the name implies, the bank credit department is the department that manages credit. Its task is to win deposits from enterprises, examine and issue loans to enterprises. The employees of the credit department are generally called the bank credit department, whose task is to strive for corporate deposits, review and issue loans to enterprises. Employees in the credit department are generally called loan officers or project managers. Each bank has a different name, and each person is responsible for several enterprises (or units). They should be familiar with the business and financial situation of the enterprise and master the use of loans by the enterprise. If you go to practice, the loan officers are all teachers. They want to teach you to understand the financial statements of the enterprise, analyze the operation and financial situation of the enterprise, and go to the enterprise to understand the real situation of the enterprise on the spot. Loan officers spend most of their time running outside instead of sitting in the office, requiring them to have strong public relations and analytical skills and be good at dealing with people. The ratio of boys to girls is not specified, but mainly depends on ability. The credit department is the key department for banks to obtain profits, and it requires higher personnel. As for the internship time, it should be going to work, that is, Monday to Friday. Loan officers or project managers have different names. Everyone is responsible for several enterprises (or units). They should be familiar with the business and financial situation of the enterprise and master the use of loans by the enterprise. If you go to practice, the loan officer is the teacher. They want to teach you to understand the financial statements of the enterprise, analyze the operation and financial situation of the enterprise, and go to the enterprise to understand the real situation of the enterprise on the spot. Most loan officers. The ratio of boys to girls is not specified, but mainly depends on ability. The credit department is the key department for banks to obtain profits, and it requires higher personnel.

Question 9: Ask a professional for help. What does a credit expert do? Is it suitable for girls? You should apply for a telemarketing credit specialist, that is, a salesman who calls for loan business through the telephone number resources provided by the company. There are assessment requirements, and many girls do this job. Depending on the company you work for, the customers and ways you face are different.

There are the following types of companies:

Consumer finance, P2P internet finance, P2P platform, Ping An Easy Loan, comprehensive loan intermediary, bank loan intermediary company, etc.

Question 10: What exactly does a corporate loan officer do? Microfinance officers are company salespeople. You have to go out and run customers yourself, find the right customers who need loans, and then complete the performance yourself. Developing customers through different channels will eventually lead to business. The work contents are as follows:

1. Comply with national laws and regulations, strictly operate loans and prevent loan risks.

2. Seriously carry out pre-loan investigation, go deep into loan customers, accurately understand their production and operation, ensure the authenticity of pre-loan investigation, and provide accurate basis for loan approval.

3. Sort out the loan information and sign the loan contract seriously. The loan officer backstage establishes the loan ledger timely and accurately according to the loan contract information.

4. Timely collect the loan principal and interest, and timely send the Notice of Collection of Loan Maturity (Overdue) to ensure the continuity of the limitation of action.

5. Cross-check after loan, report to relevant leaders in time when problems are found, and take effective measures to prevent loan risks.

6, the loan officer back office to sort out the loan principal and interest settlement data. Loan officers prepare and report various credit statements in a timely, accurate and complete manner. Complete other tasks assigned by the manager.

Someone introduced me to a job, talking about financial loans. What does this do?

The specific work of financial loans is to accept customers' consultation, fill in loan contracts, and various application forms and mortgage contracts. Regular banks should guard against fake loans, require face-to-face signing with housing loan applicants, and prohibit business department staff from replacing them. Then send it to the bank for approval, and then go to the real estate bureau for mortgage.

Hope to adopt

What is the responsibility of the bank credit specialist?

Bank loan officers should be responsible for investigating the strength and potential of loan companies and individuals and providing them with policy suggestions on loans. So, what else do bank loan officers do? Come and have a look with me!

What is the responsibility of the bank credit specialist?

1. What is the responsibility of the bank credit specialist?

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.

Two. Professional requirements of bank credit specialist

Education and training: College degree or above in finance, economy or related major; Need to study finance, economics, marketing, management, banking and other courses.

Work experience: at least 2 years working experience in bank credit and other related businesses; Need to have good listening, communication skills and affinity.

Three. Salary and treatment of bank credit specialist

Income is calculated according to performance, and the average monthly basic salary is about 2000 yuan. Different banks have different assessment systems, and the income of loan officers varies greatly. Generally, the monthly deposit is 6.5438+million, and the annual income is about 70,000. If the monthly deposit exceeds 3000 yuan, the annual income is basically guaranteed to be above 654.38+million.

The annual salary of ordinary bank loan officers: not so high for beginners, generally around 60,000, which is a good figure for newcomers. Banks can be roughly divided into three categories: state-owned banks, joint-stock banks and foreign banks. The income rankings of these three categories are: joint-stock banks, state-owned banks and foreign banks.

If it is done well, the annual salary of loan officers in state-owned banks can be12-150 thousand. The rule of this line is to speak with ability, and income fluctuates with personal performance. The more active the deposit and loan business, the higher the income.

What is the responsibility of the bank credit specialist? 2

Job responsibilities:

1. According to the company's credit approval policies and relevant regulations, conduct approval, audit and quality inspection within the authority.

2, review the integrity and authenticity of the loan applicant's information, including collateral; Prevent fraudulent customers.

3. Work according to standard procedures and make necessary telephone records for the loan applicant and the three parties.

4. Part of teaching management for new employees.

5. Complete the examination and approval tasks in time and accurately to ensure the efficiency and quality of examination and approval; Adapt to shift work system.

6. Find risk problems, report to superiors in time, track and control risks, and put forward suggestions for optimizing the approval process.

Requirements:

1, bachelor degree or above (relaxed for those with excellent conditions), major in economics, finance and management is preferred.

At least 2.6 years relevant experience in credit approval, experience in internet lending products is preferred.

3. Strong awareness of risk prevention and control, good at communication and good at written and oral expression.

4. Proactive and responsible, careful and diligent.

5. Strong communication, analysis and execution skills.

What is the responsibility of the bank credit specialist?

Job responsibilities:

1. Responsible for lending business, seeking high-quality financial cooperation channels and maintaining long-term and stable cooperative relations;

2. Risk preliminary examination, process tracking and fund recovery of handling business;

3. According to the departmental objectives, complete all tasks with good quality and quantity within the specified time;

4. Actively participate in various trainings and activities of the company;

5. Other work assigned by the leaders.

Requirements:

1, optimistic, confident, and has its own principles for financial sales;

2. Have a certain financial sales circle and personal connections in Shenzhen;

3, 22-30 years old, college degree or above, finance and other related majors are preferred;

4./kloc-more than 0/year working experience, and more than half a year working experience in institutional credit, microfinance and consumer finance sales;

5. Have good communication, learning, organization and negotiation skills and customer service awareness;

1, responsible for developing loan customers, business channels and accumulating customer resources;

2. Maintain the business of old customers and tap their greatest potential;

3. Communicate with cooperative customers regularly and establish good long-term cooperative relations.

Requirements:

1, male or female, over 22 years old;

2. More than 65,438+0 years experience in promoting financial credit products is preferred;

3, love sales work, quick response, strong expression skills, strong communication skills and communication skills, and affinity;

4. Good customer service awareness; Responsible, able to work under great pressure; Good at challenging;

5. Have a strong sense of entrepreneurship and are willing to grow with our company.

Job responsibilities:

Excavate high-end customers in the market, develop and publicize market loan information, assist customers to prepare loan information and solve customer needs.

Make a preliminary assessment of the application materials and financial resources of customers who need loans, and screen risky customers.

Coordinate loan approval, contact loan signing, follow-up and after-sales service.

Requirements:

1, 2 1-35 years old

2. Bachelor degree or above.

3. Major in finance and marketing, with relevant work experience is preferred.

4, hard-working, strong execution, and a sense of teamwork.

5. Self-confidence, optimism, positivity and good communication skills.

What is the responsibility of the bank credit specialist?

Job responsibilities:

1, relying on the loan service customer resources provided by the company, directly communicate with customers through the communication platform integrating VoIP and mobile technology to verify the real information of the lender.

2. Patiently ask relevant questions to customers, complete information confirmation and accurately record customer information, and feedback information results in time.

3. Patiently listen to customers' demands and give professional answers, and put forward high-quality customer service.

4. Every day, there will be 10 just-needed customers (contact the customers who submitted the loan application intention in official website of our bank, there is no need to dig up the customers themselves, check the authenticity and accuracy of customer information, match the best loan scheme for them according to their specific conditions, follow up the customers and help them succeed in the loan).

Job requirements:

1, age 18-35 years old, college degree or above.

2, articulate, standard Mandarin, moderate speech speed, no accent, strong language expression and listening ability, clear thinking and quick response;

3, the basic computer operation level, typing speed of more than 30 words/minute;

4. Good communication skills and teamwork ability, hardworking, responsible and willing to accept challenges.

What is the responsibility of the bank credit specialist?

Job responsibilities:

Responsible for the installment payment of China Merchants Bank credit card purchased in Guangzhou, and responsible for the development, maintenance and customer service of cooperative 4s stores.

Requirements:

1, full-time bachelor degree or above, major in finance, marketing or management is preferred;

2, aged 20 to 30 years old;

3. Good communication and coordination skills, cheerful personality and strong sense of responsibility;

4. Experience in market development, business negotiation or marketing is preferred;

5. Working experience in high-end brand car 4s shop is preferred;

6. It is best to have a personal car driver;

7. Able to work under pressure and challenge.

The company will provide you with:

1, welfare guarantee:

A, five insurance (including pension, medical care, work injury, unemployment, maternity) a gold (housing provident fund);

B. National statutory holidays; C. annual employee team tour; D, regular physical examination.

2. Salary: basic salary, monthly allowance, monthly bonus and incentive competition bonus;

3. Improve the mature system training (including financial management knowledge and business skills, etc. );

4. Good development platform and promotion space.

Some people are in the business of financial loan auditors, or are they familiar with them?

I'm not sure what you want to know, whether you want to enter this industry or want to know about material audit, so I'll give you a brief introduction.

Job responsibilities of credit auditors

Staff of the banking system. The responsibility is to be responsible for the approval of loans.

Loan process (the responsibility of the loan approver is in step 4):

1, loan application. Borrowers apply for loans from local credit cooperatives. In addition to applying for rural loans, other types of loans should also provide relevant information.

(1) Basic information of the borrower and guarantor;

The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;

(3) Rectification of original unreasonable loans;

(4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention;

5] Project proposal and feasibility report;

(6) Other relevant information deemed necessary by the credit cooperatives.

2. Credit rating evaluation. Credit cooperatives evaluate the credit rating of borrowers.

3. Loan survey. Credit cooperatives investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. Credit cooperatives carry out loan approval in accordance with the loan management system of loan separation and grading approval.

5. sign a contract. Credit cooperatives sign loan contracts with borrowers.

6. Loan issuance. Credit cooperatives issue loans on schedule according to the loan contract.

7. Post-loan inspection. The credit cooperatives shall conduct follow-up investigation and inspection on the borrower's performance of the loan contract and operation.

8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If it is necessary to extend the loan, an application for loan extension shall be submitted to the agency before the loan expires, and the extension matters shall be decided by the agency.

The following contents are the requirements of the credit auditor's duties.

Request a

Working place: Shenzhen, Guangzhou, Foshan, Chongqing, Chengdu, Changsha and Wuhan.

Job responsibilities:

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

2 to 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-making;

5. Other work arranged by the superior supervisor.

job requirement

1, good image and temperament, college degree or above, financial audit major is preferred;

2. Understand the basic policies and processes of credit business, and have basic financial knowledge and banking knowledge;

3. Skillful use of relevant office software;

4. Steady and meticulous work, active thinking, innovative spirit and good sense of teamwork;

5. Excellent conduct and professionalism, strong sense of professionalism and responsibility, and strong work principles.

Welcome outstanding fresh graduates to apply! !

Company website:

Request b

Job responsibilities:

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

2 to 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-making;

5. Other work arranged by the superior supervisor.

job requirement

1, good image and temperament, college degree or above, financial audit major is preferred;

2. Understand the basic policies and processes of credit business, and have basic financial knowledge and banking knowledge;

3. Skillful use of relevant office software;

4. Steady and meticulous work, active thinking, innovative spirit and good sense of teamwork;

5. Excellent conduct and professionalism, strong sense of professionalism and responsibility, and strong work principles.

Welcome outstanding fresh graduates to apply! !

Requirement c

Job responsibilities:

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

2 to 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-making;

5. Other work arranged by the superior supervisor.

job requirement

1, good image and temperament, college degree or above, financial audit major is preferred;

2. Understand the basic policies and processes of credit business, and have basic financial knowledge and banking knowledge;

3. Skillful use of relevant office software;

4. Steady and meticulous work, active thinking, innovative spirit and good sense of teamwork;

5. Excellent conduct and professionalism, strong sense of professionalism and responsibility, and strong work principles.

Welcome outstanding fresh graduates to apply! !