Summary is a kind of written material. Summarizing and summarizing the performance of study, work and life in a period of time can make us more efficient, so write a summary. Do you want to know how to write a summary? The following is a summary essay I compiled about the probation period of loan officers. Welcome everyone to learn from it, I hope it will help you.
Summary of the loan officer's internship 1 I have been working in XXX company for nearly half a year unconsciously. I know that I have not wasted my time in the past six months, and I have lived a full life. I like the feeling of fullness. Here, I have grown up, my business has gradually become familiar, and I have matured a lot in dealing with people.
I was assigned to the position of loan officer in the Ministry of Finance. Although I have learned a lot of theoretical knowledge about fund-raising and financial management at school, I have no idea about the actual operation, and I am uneasy. Work is not as difficult or as easy as imagined. Although at first, the leaders only arranged some very simple tasks, such as running bills, that is, checking, sorting and signing telegraphic transfers and checks, sending them to the bank, and then sorting and distributing the receipts. However, it is not easy for beginners to finish this daily work without making mistakes in a limited time. Especially after the master elder brother Wei Yu really gave me the work, I realized that I was not at the plenary session, until I looked at the things in metropolis and really did it myself. So, as you can imagine, I was in a hurry, often in a hurry, rushing from one office to another, riding my bike to the bank one after another, or coming back after dark. I also made many mistakes, which annoyed me at that time, but it was these mistakes that taught me how to do this job well. Now, to sum up, I think there are at least five points to do this job well: first, be responsible; second, be careful; third, know how to plan time; fourth, know priorities; fifth, be flexible. I also realize that a loan officer, as an operator at the business level, on the one hand, directly provides financial services to business departments, and should be as familiar with various trade financial instruments and the operating characteristics of various business departments as possible. On the other hand, the loan officer is the window of communication between the company and the bank, so it is necessary to have good communication and exchange with the bank staff and establish the image of a big company.
Of course, XXX will let me learn to do back office work and gradually take over all kinds of banking business when all kinds of bank settlement become familiar and I am proficient in running orders. Our company has various financial services in various banks, such as the maximum credit line, bank commitment letter, domestic certificate, four-party agreement, letter of credit, letter of guarantee, draft, short-term securities lending and so on, which really opened my eyes. Although I am mainly doing some simple operational things, such as data preparation, contact placement and so on. I also intend to increase my understanding of various businesses and improve my ability to analyze and solve problems. In addition, I went to almost all banks in Hang Cheng where companies have business dealings, and got to know many people in the counter and credit department, which increased my knowledge. Not long ago, Yu Wei and I also made a preliminary division of labor. I helped deal with the bank in charge of Zhu Hong, which was a challenge for me and a good exercise opportunity.
Over the past six months, I have got along well with my colleagues and leaders, and all aspects of work have been carried out smoothly. My brother Yu Wei gave me a lot of selfless help. The company arranged a dormitory for us and gave a lot of care to the new employees in life. I am also very satisfied. I like the pace of life and work now, and more importantly, I see my future and expectation here. I know I have many shortcomings and immature places, and I still have a long way to go. I hope I can grow up quickly, shoulder the beam of the company and realize my own value while creating value for the company.
Summary of loan officer's probation period 2 I entered XX Company for training on March 3 1. After nearly two months of probation, I am about to become a full member. During these two months, I am honored to experience the training and preparation in the early stage of XX's opening with you. I was lucky enough to witness the solemn and exciting moment of the company's opening day and moved into a new office area. We are happy to decorate together, take care of the family together, and the experience of running customers to talk about business is still very clear. I play my role seriously, strive to improve, cooperate with my colleagues to study and encourage each other, which makes me more confident again and again.
Up to now, I have worked and studied for nearly two months, and my heart has been enriched a lot. From the beginning of recording the important events of the morning meeting to the end of recording the daily work log, I can still see what I have done all day, remind myself of what I have to do, and occasionally have thoughts in my heart.
As an account manager, ideologically and mentally, I consciously cultivate my own quality and self-cultivation, constantly improve myself and do the details well. I also want to thank Mr. Wang for his teaching at that early meeting. Everyone deserves respect and courtesy. After the unexpected negligence deeply touched my heart, I paid more attention to details and habits. Thank you very much for Mr. Wang's help and education in our thoughts and behaviors. Seeing my own growth, I feel very full and happy! I also thank Miss Li for her encouragement in the training: We are professional managers, that is the direction of my unremitting efforts, and I will do better!
In my work and business, up to now, I have basically understood the company's products, concepts, processes and systems. I remember at the beginning, customers were blank and could only attend. They are not familiar with the problems to be understood and verified and the materials to be collected. So far, they can basically grasp the main points, talk and communicate with customers with confidence, and clearly complete the collection of materials, as well as the on-the-spot investigation of customers' business strength in the workshop and the verification of inventory list. Every step has been recognized and summarized. I very much agree with the company's concept of not drinking a cup of tea from customers, and I have always put it at ease, without increasing the extra cost of customers, and politely refused every warm invitation from customers, hoping to help the company adhere to and continue the original good way. We also try our best to achieve differentiated competition in risk control, speed, affinity and innovation in all small details, and strive to leave a good impression on all customers we contact and cultivate our own quality customers.
As a member of Sunshine Group, I have experienced a field survey of commercial loan customer XXXX, insisting on risk control first and marketing customers second. We analyze customers from the three principles of strength, credit and benefit, paying special attention to the guarantee of customers' first repayment source and anti-risk, such as the verification of sales revenue. We try our best to check the sales invoices, sales contracts, VAT invoices, manuals and various financial statements in time during the visit, so as not to leave time for the other party to falsify. VAT and bank flow must be synchronized to accurately reflect. Carefully examine whether each report is false, objectively reflect any information collected by customers in the investigation report, and do not conceal or exaggerate it. For customers' doubts, I can communicate with customers reasonably from the perspective of safeguarding the company's interests and image. Try to provide convenience for customers in details such as service, such as sending contracts, sending IOUs and getting information for customers. Easy-to-pay loan business procedures are relatively simple. From the customer experience I have handled with Zeng and Tan Anshu, the most important thing is to verify the stable work and income of customers. Tan Jie, who applied for a special credit line of10.5 million yuan, was presided over by me from material collection to signing. In order to verify her work in the tobacco bureau, I went to her company to get the labor contract. On the one hand, it saves the trouble of customers, on the other hand, I am more sure of the collected information and working conditions, thus reducing the risk. This customer was in a hurry, so I made it ready for her within two days according to her needs, which also reflected the timeliness of the company to the greatest extent. The customer is also very satisfied with this and sent a thank-you letter. Moreover, I have a more thorough understanding of all the details and processes in the whole experience, and I believe that the easy loan business will be handled more smoothly.
Model essay summary of loan officer's internship 3 20xx is coming to an end. In the past year, my work can be described as excellent because my work performance has greatly increased.
This is a reward for my years of hard work and study. I can get full marks for my own work this year because I have tried my best.
It's been several years since I graduated from college. After graduation, I got a job in a bank. After I got the job again, I was assigned to a bank as a loan officer. At first, I was unfamiliar with my job. Fortunately, I work hard and am actively familiar with my work. Finally, I successfully passed the internship and started the work of a formal bank loan officer. In 20xx, my work is summarized as follows:
First, the completion of various work objectives.
1, the operation efficiency is obviously enhanced. There are 24 independent accounting credit cooperatives within its jurisdiction, and the loan interest recovery rate reaches 0%; The loan yield is 0%. The total income for the whole year was RMB 0,000, an increase of RMB 0,000 or 0% over the previous year; Realize a net profit of 0,000 yuan and a social surplus. Realized a net profit of million yuan, an increase of million yuan year-on-year, an increase of 00%; The owner's equity is RMB 0,000, of which the paid-in capital is RMB 0,000 and the capital reserve is RMB 0,000.
2. All deposits grew steadily. At the end of the year, the balance of various deposits exceeded 654.38+0 billion yuan, reaching 0 billion yuan, an increase of 0 billion yuan or 00% over the beginning of the year, and 00% of the tasks assigned by superiors were completed; The average monthly balance of deposits reached RMB 0,000,000, and 00% of the distribution plan was completed.
3. Credit support for agriculture is strong, and the loan structure is moderate and reasonable. The total amount of loans in the whole year was RMB 0.00 billion, up by 00% compared with the beginning of the year, and the balance of various loans at the end of the year was RMB 0.00 billion, up by RMB 0.00 billion, up by 00%. Among them, the balance of agricultural loans was RMB 00 million, accounting for 00% of the balance of various loans. At the end of the year, loan-to-deposit ratio was 00%.
4. Further optimize asset quality. The balance of non-performing loans at the end of the year was RMB 00 million, accounting for 00% of the balance of various loans, down by 00 percentage points from the beginning of the year. According to the five-level classification of loans, the normal loan is RMB 00,000, accounting for 00%, the concern loan is RMB 00,000, accounting for 00%, and the non-performing loan is RMB 00,000, accounting for 00%. Among them, the subprime loan is RMB 0,000,000, accounting for 00%, the doubtful loan is RMB 0,000,000, accounting for 00%, and the loss loan is RMB 0,000,000, accounting for 00%. Compared with the five-level classification, non-performing loans in the four-level classification decreased by 0 billion yuan, accounting for 0 percentage point. (excluding the central bank bill replacement part)
Second, the main work measures
(1) Strengthen the comprehensive management of credit and continuously improve the management level.
1, comprehensively push forward the pilot work of five-level classification of loans within its jurisdiction. The five-level classification of loans is a new business. According to the five-level loan classification implementation plan, the Division carefully organized the training materials and quantified the training contents, and trained the directors, class teachers and all loan officers in two phases, with a total of 135 people. In July, it took 20 days to publicize and accept the five-level loans of 24 credit cooperatives under the jurisdiction of the whole province. The work requirements of accurate classification, clear standard definition and true classification are realized.
2. Pay attention to the increment of loans and guard against loan risks from the source of credit. In the credit work, strictly implement the system of "three checks on loans", the system of collective examination and approval of loans and the system of return visits. The unit strengthened the review of reported loans, focusing on the transition from empirical review to data analysis. At the same time, strengthen the standardization of loan information reported by grass-roots institutions and the audit of data authenticity, so as to ensure the quality of new loans. This year, 0 loans with an amount of 0,000 yuan were approved, and 0 loans with an amount of 0,000 yuan were not returned. At the same time, strengthen the supervision of the recovery rate of expired loans and give early warning regularly, effectively preventing the phenomenon that non-performing loans are cleared first and then increased;
3. Increase the frequency of sequential inspection of large loans, and conduct a follow-up inspection of large loans with the amount exceeding 654.38+10,000 yuan every quarter to correct and rectify the existing problems in time. In the whole year, 0 large loans were inspected, with an amount of RMB 0 million, and 0 clubs were notified for early warning and rectification, involving an amount of RMB 0 million.
4. Pay close attention to the construction of credit team, supervise and study, and organize two training courses for credit personnel with the theme of credit notification, case presentation and legal education throughout the year, further improving the comprehensive professional quality of credit personnel. Through one year's study, the knowledge of credit business, awareness of risk prevention and the level of managing loans according to law have been greatly improved.
5. Strengthen the director's sense of responsibility, improve the loan management level of the whole jurisdiction, and standardize credit management according to law. This year, four credit cooperatives, Sandun, Linshui, Huajian and Yinda, were comprehensively inspected. The amount of inspection was 1 10,000 yuan, regardless of the amount. The inspection has achieved the effect of locking the loan risk, finding out the number of borrowers, standardizing the management of loans and promoting development, which has promoted the development of management.
6. Effectively integrate loans in the dehydration industry, adopt a management strategy of giving more and giving less, and pay attention to scale support. In March, the management status of 22 dehydrated vegetable factories supported by the whole jurisdiction was investigated in the early stage, and the management measures for effectively integrating dehydrated vegetable industry loans were put forward. According to the overall plan of moderately reducing the scale of loans and steadily supporting development, we supported 0 loans with an investment of10 million yuan throughout the year, which continued the industrial chain and enhanced the development potential of enterprises.
(b) Extensive storage and development
Over the past year, we have always adhered to the principles of high-point positioning, overcoming difficulties, supplementing rural areas with cities, adjusting surplus and deficiency, and balancing the total amount of funds, and continued to implement the 53 1 plan in accordance with the general idea of raising funds by all staff, consolidating rural areas, infiltrating towns, helping the surrounding areas, encouraging and promoting, and expanding the total amount. Carry out in-depth savings activities of 20 farmers, collecting money every day 1000 yuan. At the same time, combined with the re-evaluation of credit rating, do a good job in deposit withdrawal, improve service quality, and ensure the rapid growth of savings deposits. By the end of 20xx65438+February, the balance of savings deposits in the whole jurisdiction was 1 10,000 yuan, an increase of 20,000 yuan over the end of 20xx. Among them, the demand deposit is xx million yuan, an increase of xx million yuan over the end of 20xx; The time deposit is xx million yuan, an increase of xx million yuan over the end of 20xx.
(3) Strive to support agriculture and create a win-win situation.
Support local construction and fully support the rapid development of the non-public economy. A total of RMB 0,000 yuan of non-public economic loans were issued throughout the year. Among them, infrastructure loan 1 10,000 yuan and individual merchant loan 1 10,000 yuan promote its scale and rapid development. By extending the tentacles of credit services, it has effectively broadened the credit field and made due contributions to the economic development and farmers' income in our region.
Summary of loan officer's probation period Fan Wen 4 I am a loan officer in a branch. I have investigated 65,438+050 loan customers, and 30 loans have been successfully granted, with the loan amount of 7×10,000 yuan, all of which are normal loans. The hard course of free credit from scratch.
I think I have the following experience:
Facing the position of loan officer, I was really timid at first. Since I joined the work in 20xx, I need to go to the customer's home every three days to learn about the customer's basic situation and business information, investigate and master the customer's loan purpose and repayment willingness, and analyze the customer's repayment ability. These are really too difficult for me who is not good at communicating with people. In the first month, I have been thinking, what should I do if I can't get the money out? Sometimes I quit my job and think it's better to continue to do my old job.
After learning about the general mentality of loan officers, the leaders of sub-branches will talk to you in time, let everyone emancipate their minds and put down their burdens, saying: Don't deny yourself easily before doing it, and you will gradually like the post of credit. The patient guidance of the leaders and the description of the development prospects have made everyone gradually emboldened in their work. The ideological worries were eliminated and the whole team began to have vitality. Like everyone else, I was greatly encouraged and made up my mind to learn from scratch.
Through professional training and self-study, I gradually mastered the microfinance business and operation process.
Through the vigorous publicity in the early stage of the sub-branch, some customers in need began to come to consult one after another, and I also welcomed the first loan customer. That day, with mixed feelings, another colleague and I took the bus for an hour and a half to XX village. This customer is a farmer, with more than ten years of breeding history, and knows the market very well. At the customer's home, after I introduced myself, I began to ask questions item by item according to the investigation order required during training.
Because it is the first time to communicate with customers in marketing and I don't know enough about XX industry, I feel very nervous. After asking for less than 20 minutes, the customer suddenly said: I won't lend, you go, just borrow some money from your bank, just like interrogating prisoners. As soon as I saw it, I explained it quickly, but the farmer just didn't cooperate. Helpless, my colleagues and I were disappointed, and the first marketing aborted.
On the way back, I recalled the scene over and over again and asked my colleagues how they felt. After analysis, I found the answer: the problem is not the customer, but I can't communicate with the customer at all, and I don't understand the needs and difficulties of the other party, which has caused an embarrassing situation.
Ask yourself, if you are always so bad at communicating with customers, who will dare to come to me for a loan in the future? No, you must change it and practice from the beginning! From then on, after work every day, I went to the streets with my colleagues to publicize, chat with small businesses and practice introducing loan business; After work, I also visit relatives and friends, introduce bank microfinance, and take them as practical objects. Where there is a will, there is a way. Now I feel that my communication skills have been greatly improved.
After efforts, the development of credit villages will be the focus of the sub-branch. It is its primary task to deeply understand and master the management situation and laws of farmers and understand the industry as soon as possible. Find several farmers through relatives and get to know the situation with colleagues on the spot. After a long time, I gradually got used to this kind of work. Although my work performance for half a year is not ideal, I deeply feel that my work cannot be separated from the care and support of the leaders and the credit department team. At the same time, I would like to thank my family who have been supporting my work in obscurity. I will try my best to be a qualified bank loan officer with the professionalism of caring for everyone.
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