Summary of bank loan officer's work 1
After half a year's internship and three months' formal work, I gradually changed from a student to a professional, and began to really set foot on my career. I gained a lot and felt deeply. This paper summarizes my work for more than half a year and makes swot analysis. On the one hand, I sum up my previous work experience and apply it to my future work and study. On the other hand, I found what can be improved in my work to improve my work efficiency in the future.
Advantages: During the half-year internship and work, I have been constantly learning business knowledge and getting familiar with business processes. In my spare time, I studied and obtained the qualification certificate of banking. While laying a solid theoretical foundation, we should constantly strive for practical opportunities, exchange business acceptance experience with loan officers as much as possible, adhere to both theory and practice, and be hard-working with both hands.
Weaknesses: As a qualified loan officer, familiarity with Harbin streets and accurate judgment of housing prices in various districts are very important basic skills and indispensable means of risk control. For me, the ability training in this area is slightly lacking, and the experience accumulation is slightly insufficient. Filling this short board is the direction of my future efforts.
Opportunity: Our team is in the transition period from individual work to assembly line specialty, in which the change of process will lead to the change of concept, and the change of concept will also lead to the optimization of process, that is to say, in the stage of over-organization, it is more conducive to theory guiding practice and practice sublimation theory, and it is more conducive to me mastering new knowledge and improving my own ability.
Threat: Change is both an opportunity and a challenge. I must adapt to the evolving workflow and working environment as soon as possible, make various coping strategies, learn to innovate constantly while adapting to new work activities, and be a person who is always ready to work.
After more than half a year's work, I gradually learned how to do things: from the credit master, I learned what love and dedication are, what diligence is, and what professional ability is. More importantly, I also understand how to be a man: honest and trustworthy, sincere to others, law-abiding, and every credit predecessor is carefully interpreting these words. Being sincere and attentive to others will also be an eternal principle throughout my future career.
Summary of bank loan officer's work II
Looking back on 20 years, I thank the company for giving me the opportunity to become a member of this big family. Thanks to the trust of the company leaders, let me engage in what I am good at; Thanks to Master's careful teaching, I have improved my legal practice ability. Thank you for your support and cooperation, so that my work can be successfully completed.
Under the leadership of the company, I earnestly performed my duties and assisted the credit department in providing legal support in the three stages of credit business investigation, review and inspection. The work in 20__ years is summarized as follows:
When I first arrived at the company, I drew up the credit business contract, employee employment contract, pre-loan investigation data, loan review data, post-loan inspection data and so on. , modified by the department leader, discussed and approved by the company manager, and officially used. At the same time, it also assists the General Management Department to issue the responsibilities of all departments, employees and daily management rules and regulations.
In daily business, actively participate in the pre-loan investigation of credit business, communicate with customers, collect credit business information, learn loan project evaluation, and analyze the borrower's loan purpose, repayment ability and asset guarantee through on-site evaluation and financial indicators. After mastering the business, I tried to design the operation flow of credit business, which was passed at the manager's office meeting under the patient guidance of the leaders, and improved the operation flow of credit business.
In the business acceptance stage, provide credit business consultation for customers, collect customer credit information, preliminarily evaluate customer applications, report customers who meet the company's credit business conditions to the company manager, and implement the manager's decision. Assist the credit department in asset evaluation, signing contracts with customers, notarization and registration of other rights. And provide legal support for the credit business throughout.
In the loan review stage, the application submitted by the customer is evaluated from the aspects of the loan purpose, repayment source, solvency of its own assets and loan method. , and truthfully report the potential risks of the business to the manager. Participate in the discussion of the loan review meeting, provide legal advice to the loan review meeting, keep records of the loan review meeting, and assist the credit department to implement the resolutions of the loan review meeting.
In the post-loan management stage, assist the credit department in post-loan management, mainly to check whether the customer's production and operation are normal, collect the customer's financial data, judge whether its financial indicators are within the controllable risk through financial analysis, and then calculate whether the customer has the ability to repay the principal and interest, whether there is potential breach of contract, and write a post-loan inspection report. Go to the judicial department to file a case, file a declaration and preserve it before litigation, and assist the judicial department in sealing up and detaining it.
In my daily work, while doing my job well, I actively strengthen my business study, and constantly improve my business quality and skills through books, the Internet and various learning and training opportunities provided by the company.
In the cooperation with other departments, I actively assisted other departments to handle affairs, strengthened the cooperation ability with other departments, enhanced the feelings with other departments, and won the recognition of other colleagues in the company.
In 20__ years, I will continue to earnestly perform my duties and strive to complete all the work arranged by the company's leaders. On the basis of 20__ years, strengthen communication and coordination with colleagues in the credit department and post-loan management department, realize the seamless connection of information between departments, and prevent the delivery time from affecting the quality and quantity of business. In business operation, it is necessary to improve the execution and strength, continue to strengthen the study of business knowledge, and improve the ability of project review and risk review report writing.
Finally, I would like to thank the company leaders for their trust in me and Master for her careful guidance. In the new 20__ year, I will live up to the expectations of the leaders, as always, earnestly complete all the work, actively cooperate with other departments, and meet the harvest of 20__.
Summary of bank loan officer's work 3
Busy 20 years have passed. For this past year, everyone's mood is different. Some people are satisfied, others are sorry, both gratified and hesitant. For me, this year is an important turning point in my career and will be a milestone in my future.
Since I joined China Bank, according to the arrangement of the bank, I have worked as a counter in a grass-roots network for one year. The work of ordinary tellers is dull and busy. From the initial discomfort to the later calm, there is no particularly amazing achievement in this process, but it makes me understand the difficulty of work and the responsibility that an employee should shoulder in this process.
Since September this year, I have been fortunate to work in the business department of the branch company and joined the excellent working team of our marketing team 5. The first time, the whole person was very excited and full of freshness. It is undoubtedly a kind of luck to be able to engage in the core business of the bank. But I also understand that as interns in the new department, our main job is to study. So in the initial period of time, guidance materials, relevant documents and past business files became my closest "comrades-in-arms". With the help of excellent account managers, I gradually got a brand-new understanding of the bank's corporate business, made clear the idea of continuing my study, and made further plans for my future work, that is, to lay a solid foundation, start from bit by bit, constantly accumulate and enrich myself, and be an excellent employee.
10 At the beginning of June, according to the arrangement of the bank, I participated in the "Knowledge Competition on New Loan Rules" organized by the Banking Association. In the process of training, I mainly learned the "three methods and one guide"
And related documents, combined with the previous internship in the department, I have a systematic understanding of the relevant situation of the loan business, and some previously incomprehensible operational processes have also been reasonably explained. Although the final result of the competition was not ideal, it was of great benefit to my future internship and deepened my understanding of credit work.
With theoretical knowledge, I will put it into practice. In the past two months, under the guidance of all the old employees, I gradually became familiar with the related products of the company's business and mastered the basic operation process of the company's credit business. And the actual operation of the company's short-term loans, bank acceptance bills, quota application, segmentation, enterprise capital flow monitoring, post-loan file management and so on. Recently, I wrote a report on the annual review, increase and guarantee changes of the total amount of credit, and visited customers under the leadership of several old customer managers to learn marketing and customer maintenance. All these are new challenges for me. I know that the core of a bank is profit, and the first job of an account manager is marketing. Rich business knowledge and products are all kinds of "weapons" in our marketing. Facing customers in different industries, the more weapons we have, the better we can cater to customers' psychology and meet their needs. All this requires me to learn modestly for a long time, accumulate experience through continuous practice, improve myself, grow into a qualified account manager at an early date, and contribute my meager strength to the development of China Bank.
Now more than half a year has passed since my internship. During these four months of study and work, I made many business mistakes. But I am very grateful to our warm and United collective. It was the long-term patient guidance and help of leaders and colleagues that made me get rid of misunderstanding, correct my mistakes and finally make progress. I would like to express my deep gratitude here. Although I have made some achievements, I also know that lack of practical and business experience is my achilles heel. I still can't relax in my future work and seize every opportunity to enrich myself.
Broaden your business knowledge, accumulate more successful marketing experience, and make contributions to this glorious collective as soon as possible.
As the new year begins, the competition we face will be more intense. At this moment, only by working harder to improve their professional quality can we gain a foothold and make progress in this challenging industry. I will face the difficulties and hardships in my work with full enthusiasm and positive attitude. I believe that in the new year, with the joint efforts of everyone, our great collective will surely achieve more brilliant results.
Summary of bank loan officer's work 4
Time passed quietly. I have been working for almost three months. As a micro-credit officer of rural credit cooperatives, I have deep feelings. I want to talk about my thoughts and thoughts on my microfinance business. First of all, let me talk about my personal work attitude. This job is my first job after graduating from college, so I regard it as a treasure. From training to work, I often hear many people say that this work is too hard, too tired and the rural environment is too bad. However, for me who was born in the countryside, it is actually a trivial matter. Some people say that the salary is too low, but my eyes are not that shallow. What I see is the future stage, not the present treatment. Now I really like this job, because here I can see the value and dream of realizing my life.
In the course of work, I found that this job is not only as simple and easy as lending money, but also requires us to learn a lot. For example, if you do something, you will always have experience and lessons. In order to facilitate the future work, it is necessary to analyze, study, summarize and concentrate the experience and lessons of the past work, and rise to the theoretical level to understand.
First, learn to judge people.
Because we are doing credit loans, if you make a mistake in the first step, I'm afraid it will be difficult to achieve your expected results by saying more good things when collecting loans in the future. The people who are most afraid of collecting money are those who have money but are unwilling to pay it back, not those who really can't afford it.
Second, we must learn to cultivate and retain customers. We are in business, and customers are our gods.
So how can we catch our God? One of the principles of loan risk control is "training is not less than five days", which should not be underestimated, but should be seriously implemented. If you carefully compare two groups of borrowers, one group has been trained for five days and the other group has no training, then you will find that the trained borrowers have much better repayment consciousness than the untrained borrowers. The sentence "It's easier to fight a mountain than to defend one" is probably a true portrayal of our future work. As long as we succeed in this microfinance project, I firmly believe it will succeed. Then I believe that the competition of ABC will keep pace with the times. Although the current agricultural credit card business of ABC is generally 20,000 to 30,000 yuan, it has a strong advantage over us, and customers like to borrow more money to do bigger business. There is no doubt about it. Also, the interest rate of ABC is much lower than ours, so their business should of course be better than ours, but I personally think it is not so successful. Why? Because they don't have people like us, and they don't go to every village to serve farmers like us, but as long as we succeed, I believe they will immediately recruit a group of college students to go to the countryside and start doing our "same" jobs, and then the competition will really come. So now that we have carried out such work, we must think about how to hold the "Jiangshan" in the future. Lenders are people, and people have feelings. When they become our customers, we should treat them sincerely and help them when they are in trouble. We should try our best to be their bosom friends. If we can do this, you can rest assured of this customer.
Third, learn to manage.
We have many customers. If you don't have good management skills, then your problems will come, which will make you upset and depressed. First of all, you should learn to allocate your time reasonably so that you can work better. Although your time depends on borrowers, and there are many borrowers, you can't satisfy all borrowers, so we should learn how to manage our borrowers well. One more thing, you must learn to manage accounts, because the financial business we do involves money, and people are most serious about money. We must not be careless. We should manage our bills carefully and be responsible to the lenders, credit cooperatives and especially ourselves.
Fourth, learn to be a man.
"If you want to learn to do things, you must first learn to be a man." In fact, this sentence is very reasonable. If you can't be a man, then you can't do better things. Because when you do things, you first face people. When you enter a company, you can't immediately adapt to your work environment and your interpersonal relationship, let alone make better things. First of all, we should communicate well with the old employees in our credit union and handle the interpersonal relationship, so that we can go to work with a happy mood and a positive spirit every day, and let the credit union be my home, just as happy as returning to our warm and harmonious home. Facing customers, we should do our job better, show our excellent service attitude and professional quality, and make borrowers feel at home. Also, we should learn to pay a return visit to our customers from time to time. Our business is not finished with a loan, but with a loan, so we should keep good contact with the lenders, have their latest harvest information and their ideological trends, so as not to be passive. If we do these things well, I believe that the business volume will rise linearly in the future, and the recovery rate will be 100%.
Fifth, professional knowledge, working ability and specific work in the future.
1. Under the guidance of leaders, the procedures and direction of work were clarified, the working ability was improved, and a clear working idea was formed in specific work. After working as a micro-credit officer, with the goal of "doing better", I cultivated the sense of innovation, actively and successfully completed all the work assigned by the leaders, and strengthened my business study in the remaining time, laying a good foundation for the next work. Make clear the direction of efforts and put forward improvement measures.
As a small lender, I deeply feel that I shoulder a heavy responsibility. As the window of the company, my words and deeds also represent the image of the company. So I want to improve my quality, set high standards for myself and strengthen my professional knowledge and skills.
2. Seriously, timely and efficiently complete the specific work assigned by the leaders and team leaders of your club. In order to carry out the work smoothly and coordinate with the credit cooperatives, we should not only do our own job well, but also actively cooperate with other colleagues in the credit cooperatives.
3. Work attitude and diligence. Love your job, be able to treat every detail of your job correctly and seriously, serve farmers enthusiastically, observe labor discipline seriously, ensure attendance on time, and stick to your post.
Summing up the work in the past three months, although there has been some progress, there are still many shortcomings. For example, there are not many creative work ideas, individual work is not perfect enough, and there is too little information about business customers, which needs to be improved in future work. In the days to come, I will seriously study various policies and regulations, strive to raise the work efficiency to a new level in an all-round way, and make more and more contributions to the development of your club.
Summary of bank loan officer's work 5
Over the past year, I have conscientiously implemented the principles and policies of the State Council's financial reform, closely focused on the adjustment of agricultural and rural economic structure, adhered to the purpose of serving agriculture, rural areas and farmers, and led employees to carry out various tasks according to the annual task indicators issued by the People's Bank of China and the superior trade unions.
One,
Can seriously study relevant financial laws and regulations, learn relevant business rules and knowledge of credit cooperatives, improve business quality, strengthen honesty and self-discipline education, be loyal to their duties, and act according to law. At the same time, we regularly organize employees to learn the spirit of relevant documents from superiors, strengthen business habits, and strengthen the education of honesty and self-discipline, law education and safety awareness for employees, so that all work in our society has rules to follow and laws to follow.
Second,
Efforts should be made to improve and perfect various rules and regulations and implement them. It is necessary to formulate corresponding work standards and business assessment methods in accordance with the provisions of higher authorities and the actual situation of this organ, so as to ensure that all work is mutually restricted and promoted, so as to realize the smooth development of all work and achieve certain benefits.
Third,
Work: 1. According to the economic characteristics of this community, do a good job in the organization of deposits in time, so that all employees have tasks and attach importance to deposits. In the first three quarters of this year, the annual deposit increment ranked first in the region. 2. Do a good job in "liquidation" and interest collection of insurance in time. At the beginning of the year, we did a good job in the overall deployment and general mobilization of "clearing Africa", timely implemented the collection work according to the seasonal income situation, and organized a "100-day clearing Africa" activity in the peak season of shrimp income. The non-performing loans were effectively controlled and the benefits were significantly improved.
Fourth,
Benefit performance: at the end of the year, the balance of deposits was 74.3 million yuan, with a net increase of 3.24 million yuan, accounting for 85.3% of the plan, and the balance of various loans was 56.96 million yuan, with an increase of 6.5438+0.29 million yuan, and 76.66% of loan-to-deposit ratio was controlled within a reasonable proportion; The balance of non-performing loans was 27.35 million yuan, down 6.5438+0.6 million yuan, accounting for 48%, down 654.38+0.4 percentage point; The book value of profit is 252,000 yuan, and the actual profit is 347,000 yuan, accounting for 347% of the plan.
Five,
Disadvantages: my business level and management ability are not high, business development is slow, non-performing loans remain high, and the collection speed is slow. The "second residence" loan is on the rise, and the potential risks are increasing. There are four enterprises whose loans exceed the standard and their capital adequacy ratio is seriously insufficient. The book loss was 2.73 million yuan, and the staff's office conditions, preventive facilities, living conditions and working environment did not improve.
Six,
Improvement measures: strengthen the study of own business theory, further improve the business level and management ability, increase the intensity of "clearing up Africa", especially the "two dead" loans, and strive to firmly support the "three rural" loans, reduce large loans, increase revenue and reduce expenditure, improve operational efficiency, improve capital adequacy ratio and loan compensation ratio, and reduce and eliminate risks as soon as possible.
Unconsciously, more than a month passed. In this more than a month, I have many feelings, such as working in the countryside for the first time, dealing with rural women for the first time and so on. It is with so many firsts that I feel that life is full and meaningful. Treating rural work, I think it is not hard but enjoyable. Time flies. It's been a year since I graduated from college. Microfinance technician is my first formal job, so I attach great importance to it.
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