Does the account manager have a future in the bank?

Have a future. Bank account manager (BCM) can be said to be a bridge between banks and customers. Its main job is to take customers as the center, handle intermediate business such as deposits and loans of customers, and be responsible for maintaining customer relations. But to be an excellent bank account manager, you must have strong public relations ability, systematic marketing strategy and strong service consciousness, and be able to actively mobilize the resources of commercial banks to provide all-round and integrated services to customers.

Because the account manager has rich customer resources, high professional quality and customer service ability, the salary is quite good. Especially for banks, it is very important to develop and stabilize depositors because of the fierce competition between other financial institutions and banks. In the long run, the development prospects of account managers are also very promising. It is generally developed by bank loan officers.

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First, bank account managers are generally divided into individual account managers, corporate account managers and credit account managers!

Personal account manager refers to a professional person who provides special services for customers, markets financial products, develops excellent customer groups and handles the relationship with customers. His service target is mainly the basic customers with high income and many assets. The account manager of the company mainly handles the company's business, finds a new company, opens an account in the bank, pays wages on behalf of the company and draws deposits. The credit account manager is responsible for credit management and serving loan customers. It is a very important position in the bank, and the bad debt rate is accumulated from the credit manager. As a credit manager, we should strictly control risks.

Second, the loan officer is a position promoted quickly in the bank, which is of course the embodiment of the biggest development space and the best development prospect for the account manager. The loan officer in the bank is the fastest-rising position in the bank, and there is no one. Banks are heroes based on performance, and the rise of counter staff is step by step. Generally speaking, it takes at least 8 years for tellers, senior tellers, accounting supervisors, branch business managers and branch business managers to reach the position of vice president in charge of business. This is still a very fast, no delay, the most professional teller development road. As long as the loan officer performs well, he can be promoted quickly. Some banks can directly upgrade their grades according to the performance standards below the deputy manager of the branch, and some account managers with good performance can directly take the post of branch president after five years. This is where the advantages and development prospects of bank account managers are better.