General positions include account manager, information technology, international business, legal affairs, comprehensive business and so on. After entering the business, it is generally arranged to go to the grass-roots business outlets or training centers for training and exercise for a period of not less than one year, and then according to the work needs of the unit, personal work performance and business expertise, they are selected to work in the above-mentioned corresponding positions.
Question 2: Which is better, the general post or the branch post? What is the difference? Thank you. Firstly, the general situation of bank recruitment examination is introduced in detail, and the examination situation is analyzed.
Second, the bank recruitment examination focuses on current events and political information.
Third, the exam is a full set of online high-definition teaching video courses and handouts.
4. The latest edition of China Bank's full set of papers over the years.
Five, a full set of bank exam interview video tutorial and interview book.
Six, bank exam TOEIC English review handouts and simulation questions (9 sets).
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Question 3: What is the general position of the Postal Savings Bank? Generally speaking, I will be a teller or a credit account manager first.
Question 4: I want to know what the general teller and credit post of the bank do respectively. Which one has a future? The bank's comprehensive teller handles counter business such as account opening, deposit and withdrawal, transfer and settlement;
Credit post is to serve customers' credit business. If conditions permit, it is recommended to be a credit post.
Question 5: What's the difference between an ordinary post and a teller post in a bank? Teller position is one of the general job categories.
First, the social general post is a job that has no professional and technical needs, is popular, is not difficult, and can be replaced in a short time. It generally involves bank tellers, bank lobby managers, bank customer service posts, bank human resources and so on. Teller post is one of the general post categories.
Two, the bank business hall counter personnel mainly include the following categories:
1. Cashier: Daily work is mainly engaged in checking various cash businesses, counting small bills, counting large amounts of cash, etc. It is usually held by a newcomer, which is the basis for continuing to work at other counters.
2. Ordinary teller: engaged in all kinds of counter business, including handling all kinds of public and private business. Check and settle the accounts of the day. Is the kindest counter staff in the bank.
3. Chief teller (accounting supervisor): mainly responsible for checking, supervising and auditing all kinds of accounts of ordinary tellers on that day. Explain the process of counter business, check and supervise the implementation of bank rules and regulations. Sometimes they also deal with specific business.
4. Low counter teller (or counter opener): set in some large business outlets with comprehensive business. Counter staff mainly responsible for personal consumption loans, personal housing loans, personal finance (fund business, bank insurance agency business) and other non-cash businesses. This kind of teller has higher requirements, and must have certain basic knowledge and skills of personal loans and personal financial management knowledge.
5. Lobby Manager: Usually responsible for publicizing banking business, guiding different types of customers, answering customers' various business inquiries, and mediating and mediating disputes and contradictions between bank staff and customers. Usually by bank employees with long working experience, sometimes by the person in charge of bank outlets.
Question 6: What is the general position of ICBC? Specifically, it includes sales, professional and operational positions.
Introduction of ICBC: China Industrial and Commercial Bank (full name: China Industrial and Commercial Bank) is referred to as ICBC for short. Established in 1984, it is the top five banks in China, a fortune 500 enterprise, the largest customer base in China and the largest commercial bank in China. China Industrial and Commercial Bank is the largest state-owned commercial bank in China. Its basic task is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.
Question 7: What are the general positions of ICBC? How is this position developing? Will you get a loan or something? Ask the great god for guidance! ! ! I'm sure it will
Question 8: Are the contents of credit and comprehensive posts in China Agricultural Development Bank the same as those in the legal post examination? 1. Detailed explanation and analysis of the recruitment examination outline of Agricultural Development Bank.
Two, the Agricultural Development Bank recruitment examination papers over the years.
Three, the Agricultural Development Bank recruitment examination (Chongqing Agricultural Development Bank related knowledge).
Four, the Agricultural Development Bank recruitment examination (focusing on current affairs and politics).
Five, Agricultural Development Bank recruitment examination administrative professional ability test notes and exercises.
Agricultural Development Bank recruitment examination official document writing handouts and exercises.
Seven, agricultural development bank recruitment examination-video course and interview book.
Eight, the Agricultural Development Bank exam full set of online high-definition teaching video courses and handouts.
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Question 9: What are the main responsibilities of the customer service department and the credit department of China Agricultural Development Bank? The customer service department is mainly responsible for 1, which is responsible for customer development, bank intermediary business marketing, deposit organization and loan marketing. Implement and assess the completion of the bank's deposit and loan tasks.
2. For loans approved within the scope of authorization and loans approved according to procedures, handle relevant procedures with customers in time and manage credit files.
3 responsible for accepting customer loan applications, organizing loan project evaluation, pre-loan investigation, review and post-loan management.
The credit work of every bank is similar, and the loan officer mainly has two tasks. 1. Do a good job of deposit. 2. Do a good job in personal enterprise loans and follow up the customer's return visit after the loan. You mean something like a return visit after a car sale. In fact, after the bank lends money, there will be post-loan work every month. You can investigate the customer's corporate finance and business operation through personal visits and telephone contact. We can ask customers to provide the latest financial statements and financial statements at the end of last year for financial data analysis, such as asset-liability ratio and quick ratio. Moreover, we can also know the recent trends of legal persons and judge their authenticity through the enterprise's water and electricity meter. As long as the bank risk can be minimized, you can register the return visit record form.
Question 10: The job responsibilities of bank loan officers insist on listening, checking, checking and analyzing.
Do a good job of pre-loan investigation
Pre-loan investigation is the first pass to expand customers and issue loans, and it is an important prerequisite to prevent risks and reduce bad debts. The authenticity and reliability of its investigation are of great significance to the safety of loans. This is an important basis for deciding whether to lend or not, whether to lend more, and the term and method of the loan. Specific to small and medium-sized financial institutions such as rural credit cooperatives, rural cooperative banks and rural commercial banks, a considerable part of the customer groups such as small and medium-sized enterprises and individual industrial and commercial households that they serve lack audit reports provided by independent third parties, and "information asymmetry" is widespread, so it is particularly important to investigate the account managers before lending.
If in the process of pre-loan investigation, we fail to have an objective understanding of the basic situation, operating conditions and existing risks of customers, or even take a cursory look, and it does not really play the role of investigation, such an investigation itself has risks that cannot be underestimated. An irresponsible pre-loan investigation may lead to a non-performing loan, which will lead to a series of work such as interest default, overdue, collection and even prosecution. It often takes months or even years for banks to complete digestion, which not only consumes the time and energy of bank staff, but also erodes the profits of banks.
Combined with the general situation of the current customer groups of rural credit cooperatives (rural cooperative banks and rural commercial banks) and the author's work practice, the author believes that the pre-lending investigation of customers (especially small and medium-sized enterprises and individual industrial and commercial households) should adhere to four steps:
What is listening? Is to listen to the introduction and narrative of the loan applicant.
In the process of investigation, most customers often take the initiative to introduce themselves (or account managers ask customers to introduce themselves).
At this time, what the account manager needs to do is to listen patiently and carefully, and give a little guidance, so that the customer can take the initiative to introduce its establishment time (or working hours), equity composition, development experience, business model, production and operation, sales profit, existing problems, development planning in the past two years, loan purposes, etc. In this process, the account manager can make further inquiries and exchanges about what he can't hear clearly or is interested in.
Through this step, the account manager can have a preliminary understanding and judgment of the overall situation of the customer, and also establish perceptual materials for further investigation and understanding.
What is a check? Is to verify the relevant information of the loan applicant.
On the basis of listening, the account manager needs to further verify the relevant information of the loan applicant. The work in this step includes: checking the customer's business license, tax registration certificate, organization code certificate, loan card and other originals. , and pay attention to whether there is an annual inspection record; Check the customer's financial statements (if it is an audit report, pay attention to the contents of the notes) and check with the contents introduced by the customer just now; Check the customer's qualification certification materials (such as the qualification certificate of construction enterprises or real estate, the agent qualification certificate of commercial circulation enterprises, the safety production license of production and processing enterprises, etc.). ). At the same time, check the customer's purchase contract, sales contract and construction contract related to production and operation.
Through this step, we can understand and judge the borrower's qualification and the legal compliance of the loan purpose.
What is nuclear energy? Verify the authenticity of the contents listed in the report materials and application materials on the spot; On-the-spot verification of the authenticity and legality of the collateral, as well as the true intention of the guarantor.
On the basis of the first two steps, we enter the most critical third stage, and its task is mainly to verify the information collected in the first two stages.
1. Verification of financial information: Compare the information introduced by customers with the data reflected in financial statements, and try to use original vouchers or third-party vouchers for verification. For example, by reading the bank statement, we can understand the cash flow of the enterprise and check it with the cash account on the financial statement; Understand the recent sales and tax payment of the enterprise by sampling the tax invoices of the enterprise for one or two months; Understand the cargo throughput and import and export situation of the enterprise by sampling the import and export documents of the enterprise for one or two months; Understand the production cost of the enterprise through the electricity invoice of the production enterprise or the oil invoice of the transportation enterprise; Verify the authenticity and implementation of the contract by checking the bank payment and collection vouchers.
Ii. verification of production and operation: based on the information reported by customers and reflected by materials, the production and operation of customers are verified on the spot. For example, on-the-spot investigation of customers' production workshops, warehouses and production processes (first-line production technicians can be consulted if possible); On-the-spot investigation and understanding of customer's product quality, market share and word of mouth; Project or construction contracted by customers ... >>