2022 Working experience of bank salesmen 1
Each person has an average of 200 transactions per day and receives about 200 customers. My post is the service window of Bank of Communications, and my words and deeds represent the image of the unit. Therefore, I am not allowed to be sloppy and lax in my work. I need to operate in strict accordance with the rules and regulations of the bank, be meticulous and consistent. Through the "eight links of service" I learned in May 438+10, I learned how to better improve work efficiency and service quality. With my unremitting efforts, I personally did not have a liability accident for 20__ years. In the whole year, more than 50 wealth management cards, ward cards 10, more than 20 credit cards and more than 800,000 wealth management products were handled for customers. I am eager and enthusiastic about learning new knowledge and try my best to improve my professional quality. Every time a bank needs to work overtime to develop new business, I will be the first to stand up. No matter how long I work overtime, I have no complaints. Because I know that this is the trust of the unit leaders. I will actively make good use of every opportunity to learn new business, do a good job in testing all new business, and do not delay the work of the whole branch. In this way of thinking, I have successfully completed every task assigned by my unit and won the praise of my colleagues. The Xiamen Road Sub-branch where I am located is the "Youth Civilization" of the sub-branch. As the leader of the branch said, "Bank of Communications is a big family, with mutual respect and care, and a harmonious relationship between comrades. No matter at work or in life, comrades should be like a family without any contradiction. Even if they have opinions, they are differences at work. Such opinions mean that our work level is constantly improving. "
A good attitude towards industry service requires a good temper. Only in this way can we do the work well. Although I used to have a bad temper, I have gradually matured with the increase of work experience. Now, I insist on using the standard of "Youth Civilization" to demand myself. So this year, I received few customer complaints. When customers have different views on our work, I will also explain clearly what the customers are not clear about, so that customers can return with satisfaction.
Working experience of 2022 bank salesman II
In, under the correct leadership of the Party Committee and President's Office of the superior bank and sub-branch, the business department took rallying people's hearts as the driving force, innovative services as the starting point, bold management, seeking truth and being pragmatic. Successfully completed the tasks assigned by the sub-branch, with a time of RMB million for corporate deposits, a net increase of RMB million compared with the beginning of the year, an average daily deposit of RMB million, and a net increase of RMB million for savings deposits. The work of the past year is summarized as follows:
First, unite people and build a high-quality team.
Thought is the guide to action. If people are distracted, nothing can be done. A group of people in the sales director's office have a deep understanding of this, so we will put cohesion in a prominent position.
1, take the lead in setting an example, be upright and correct yourself. A group of people in the director's office set an example, strengthen their study, and be typical advocates, organizers and practitioners of learning. Be a teacher by example, be honest, diligent and cultivate one's morality, and influence every employee with his own quality. Always adhere to the principle of fairness and justice in the work, do not engage in personal relationships, do not pull gangs, and achieve a bowl of water. Encourage employees to give more opinions and adopt them as long as they are reasonable. Fully mobilize the enthusiasm of employees to participate. On the sensitive issue of performance distribution, we should be open and enhance transparency. Ensure that every employee sees peace of mind and feels comfortable.
2. Give full play to party member's exemplary leading role. There are 29 employees in the sales department, including party member 13. Party member's role among the masses is particularly important in the sales department. The Party branch of the Division analyzes the objectives and tasks assigned by the sub-branch, unifies the understanding, ensures that every party member is a benchmark, and gives full play to the role of the grass-roots Party branch as a fighting fortress. Under the exemplary role of party member, actively cultivate reserve forces and attract outstanding employees to move closer to the organization.
Second, excellent service and successful strategy.
Service innovation is the eternal theme of bank work. Only by strengthening services can we win the market and create benefits. In response to the call of the city branch and Rugao municipal government, a group of people from the office of the director of the business department actively participated in the activity of creating a "civilized and honest" window, which made the service level of the business department reach a new level. The advanced practice of our department has been reported by Nantong ICBC Net News and Rugao Daily. Reprinted by the provincial network news.
1. Seize the opportunity of creating a "civilized window", the office of the director of employee professional ethics education regularly organizes employees to learn the rules and regulations such as China Industrial and Commercial Bank's Basic Literacy and Service Code, and China Industrial and Commercial Bank's Standardized Service Standard, constantly standardizing employees' service words and deeds, urging employees to strictly abide by the "eight requirements and nine hundred percent", truly treating customers as parents and advocating "intentions". Zhangyan, an employee, can use "three tones, two stops and one smile" in counter service, and has been commended for many times in the unannounced visit of the city branch.
2. Do a good job in the assessment and incentive mechanism. First, establish a reward and punishment file for employees' high-quality and civilized service, and incorporate employee service performance into the annual evaluation and selection, thus enhancing employees' sense of hardship and improving their sense of service; The second is to establish an assessment mechanism linking service quality with business volume, and create a fair competition mechanism of "more work and more pay, less work and less pay", which has formed a good situation for employees of the whole bank to "strive for merit" and "grab merit". The third is to establish an audit mechanism for outlets, account managers and customers. The person-in-charge of the outlet will assess the warehouse keeper and teller, the customer and account manager will assess the counter receiver, and the accounting counter receiver, cashier counter receiver and warehouse teller will each select 1 advanced service, which will be rewarded every quarter. The fourth is to set up a reward fund for high-quality and civilized services to commend the advanced and spur the backward.
3. Do a good job in the service of relevant departments. The sales department is not only an independent service department, but also the hub of branches and outlets. Actively cooperate with the account manager to do a good job in various loan issuance and fund withdrawal. In August this year, I actively cooperated with the account manager to handle the factoring business of _ _ _ _ _ _ _ _ _.
Third, seek truth from facts and be brave in expanding the market.
"Development is the last word". Without the development of the market, everything will be impossible. At the beginning of the year, in the spirit of market-oriented, service-oriented and customer-centered, the director's office established the working idea of asking for deposits from the market and digging deposits from other banks in combination with the specific situation of the business department. Lock on to the target and don't stop until you reach it.
1, comprehensively straighten out the situation of account-opening units in the business department, establish large accounts and visit them regularly. The competition of modern banks is the competition of products and services. The business department provides personalized services according to different customers, and continues to provide on-site services to large customers such as people's hospitals, salt companies and Chinese medicine hospitals, and recommends fast online banking settlement methods to units with frequent settlement. At present, an online bank account has been opened.
2, fight for service, love is better than Nantian Investment Management Company is a customer I won over in August. As a banker, you should have a sense of professional sensitivity. When the director's office learned that _ _ _ _ etc. 14 boss raised funds to prepare the property rights of Nantian Group, it immediately inquired from many parties, got in touch with Liu and others, introduced our service and settlement advantages to them, and won the trust of Nantianren with sincerity. On August 8th, I decided to open an account in our department and invest the registered capital _ _.
3. Qi Xin works together to tap the sources of deposits. Zhou has strong activity ability and is good at marketing, which effectively enriches the power of public deposits. At the same time, employees are encouraged to make suggestions. And formulated incentives, which effectively stimulated the enthusiasm of employees to pull deposits. Employee Shen Jianhua took advantage of his lover's relationship in the army and took the initiative to collect 1.5 million yuan.
4. Actively cooperate with the account manager to do a good job in service. In August this year, Jiangsu Hongxing Silk Spinning Group was forced to restructure due to poor management, which involved the transfer of loans from our bank and other related issues. Our department actively cooperates and is responsible for helping to solve relevant procedures. Only in this way can our assets be protected. The newly registered Jiangsu Dida Blue Silk Co., Ltd. invested a registered capital of 2,654,380+580,000 yuan for the first time.
2022 working experience of bank salesman 3
1. As an enterprise account manager, I should not only strengthen the study of credit policies in 2008, but also focus on the credit policies of China Merchants Bank, such as "overall credit policies, customer and business credit policies, and industry priorities". On this basis, I will do a good job in policy communication and classified marketing of enterprise selection, and give full play to the responsibilities of account managers.
1, strive to improve business skills and strengthen their own risk management awareness. Since the establishment of the branch, I have encountered domestic factoring, development loans and other businesses that I have never actually operated before. In order to better expand customers, with the support and help of the leaders of the acquiring department of the branch, I quickly learned and became familiar with the operation mode of this business, and my grasp of risks was further improved. In addition, in order to strengthen the study of business skills, I participated in the skills training organized by the branch four times in half a year.
2. Strengthen customer marketing and do a good job in customer inspection, credit investigation and maintenance. Due to the overall tight banking policy in 2008, in the grass-roots branches that realize the harmony between marketing and risk management, we deeply study the development trend of the industry and do targeted customer marketing. In the past six months, I have participated in the business development of Kunming Su Hua Biotechnology Co., Ltd., Yunnan Qifeng Electromechanical Equipment Co., Ltd., Yunnan Energy Power Fuel Co., Ltd., Yunnan Chengtou and other companies.
Second, strengthen customer marketing and increase customer base. My burden is very heavy, and my technology, marketing ability and experience are far from the performance of the account manager, so I have never dared to take it lightly. I have been studying and summarizing how to do a good job in banking business. I have been learning and accumulating constantly, and I can handle all kinds of problems in my daily work with ease. In terms of organizational management ability, comprehensive analysis ability and coordination ability, after half a year's training, it has been improved to a certain extent, ensuring the normal operation of all the work in this position, being able to treat all the tasks with a correct attitude, loving my job and working hard to implement it in practical work. Actively improve their professional quality, strive for initiative in work, have a strong sense of professionalism and responsibility, and strive to improve work efficiency and quality.
Third, the existing problems and the direction of future efforts. Although I can work hard actively and have made some achievements, there are still some problems and shortcomings, mainly in:
First, the level of performance skills is not skilled enough. Some good customer resources can cooperate well, but they can't make business plans for customers well.
Second, the existing customer resources have not been well excavated and carefully planned, and all links of the customer trade chain have been marketed; For their target customer groups, they have never found a suitable opportunity to intervene.
Third, some work is not done carefully enough, and some work is not well coordinated. The second half of the year has entered. In view of the above outstanding problems, I will strive to do the following:
First, strengthen learning and improve skills. Only when the business level is excellent can we carry out business easily and freely.
Second, while doing our job well, we should actively market and update our ideas, and strive to make better returns for China Merchants Bank with a good attitude and sense of responsibility.
Third, details determine success or failure. In the future, I will strive to improve the details of my work, enhance the sense of cooperation among departments, colleagues, banks and enterprises, strengthen unity, strive for perfection, and strive to do a good job in banking.
2022 working experience of bank salesman 4
Our bank has always pursued the purpose of "service comes from true feelings" and provided thoughtful services to customers. In this process, smile plays an indispensable role. As front-line service personnel, ordinary posts and ordinary jobs, in order to make every customer feel the quality service of our bank, colleagues insist on treating every customer with sincere smiles every day. Although we sometimes meet unreasonable customers, we always insist on patiently explaining to customers with a sincere smile, so that customers can truly feel our real service.
An article once said: service is the purpose of life, service is a virtue and a pleasure; By serving others, you are affirmed by your self-worth. Through my own personal experience as a lobby manager, I have a certain understanding of the service. The seemingly ordinary and ordinary lobby service itself contains rich connotations and values. Just like when I associate with strangers, I like to ask them where they are from first. I feel that people in every place have the characteristics of people in every place, so that we can communicate better after understanding.
The business department is the window of the bank, and the small window reflects the overall appearance and credibility of the bank. I remember an economist once said, "No matter how humble your work is, you should give it the spirit of an artist and be extremely enthusiastic." Everyone knows that dealing with customers directly is tiring and tedious, but I like this job and I like to see the expression of customers expecting satisfaction. I like to see the surprise when customers get unexpected gains under our advice; Satisfied with the sense of accomplishment gained after adhering to the principle of ensuring the interests of banks and customers. However, due to the lack of hardware facilities, we often have to make up for it through manual services, and we also have to accept the venting of customers' dissatisfaction when they fail to achieve their goals ... In short, all kinds of people come and go alternately, exchanging sincere services for customers' true feelings and making our work vivid and colorful. Sometimes you will meet many unreasonable customers. At this time, the "smile" service is particularly important. Perhaps a simple smile can resolve the original anger of customers.
I remember a story in which an angry customer shouted loudly and a colleague greeted him with a smile. As a result, someone asked him, what are you laughing at? What's so funny? My colleague's answer is witty and ingenious, "Teacher, smiling service is our basic service principle". The awkward atmosphere was quickly resolved, and the atmosphere changed from dignified to relaxed. When we sincerely worry about the problems our customers encounter and sincerely help them solve their problems, I think most customers' anger will vanish. Smiling can not only shorten the distance between people, but also be the most favorable weapon to resolve contradictions. Sincerity can be passed on. As long as you treat others sincerely, others will feel your sincerity. Isn't there an old saying, smile and be ten years old? While we are happy to work, we are also happy physically and mentally. Enthusiastic service to customers, because we not only represent the image of outlets, but also represent the image of the whole bank.
With the continuous upgrading of service concept, from "banking service" to "serving banks", the service concept and level of banks are undergoing qualitative changes, and the service comes from sincerity. Only by paying sincere service can we win all potential customers. Treat every customer sincerely, your heart is quiet, your body and mind are relaxed, and you will be surrounded by a pleasant atmosphere.
Working experience of 2022 bank salesman 5
First, strengthen confidence, study hard and improve business skills.
In _ _ _, I was assigned to work in the second business department of the company. Because I have been engaged in private business for a long time, I seldom participate in company business. I have no customer resources, no work experience, and I don't understand the credit policy. I feel at a loss. Besides, I am old and in poor health, so I don't think I have the confidence to do my official duties well. At that time, I was under great pressure and wanted to give up. Later, under the patient guidance and encouragement of Dean Cui, my concept changed, my level of understanding improved, I gradually gained confidence in my work, and I began to work actively with the help of department leaders and colleagues. On the one hand, we should learn the business theory and credit policy of banks, on the other hand, we should strengthen the study of relevant laws and regulations. In addition, I take the initiative to find old comrades to study and often go to the examination and approval department for consultation. Through nearly half a year's efforts, I finally mastered the relevant knowledge of handling business and had the business ability to develop customers. It has laid a basic theoretical foundation and certain work experience for opening up the market in the second half of the year.
Second, not afraid of difficulties, work hard and constantly develop credit customers.
_ _ In the second half of the year, under the leadership of department heads, we often went to various cities to investigate the market and find customers, regardless of holidays, fatigue, difficulties, lack of funds, and at our own expense, and developed credit customers through various channels and using all relationships. Under the guidance of the Corporate Department and the Risk Management Department of the branch, through hard work and constant public relations, we finally successfully developed a number of customers such as Zhong You Digital, Xintai Aluminum, Yongshun Aluminum, Huafeng Iron and Steel, Mengdian Cement and so on. In the process of developing customers, I also learned a lot of business knowledge and accumulated a lot of work experience. It laid a good foundation for the smooth development of my future work.
Third, strengthen management, operate by the rules, and strictly guard against credit risks.
The successful development of credit customers has brought corresponding business benefits to our bank, but the credit risks arising from the handling of these credit businesses are also closely related to it. It has become an important task in our daily work to operate according to our post-lending management methods, handle business according to the requirements of department leaders, and strive to prevent credit risks. To this end, I visit customers regularly and irregularly, go deep into the enterprise, understand customers, investigate the market, try to plan ahead and be prepared for danger in times of peace, and always take risk prevention as an important job. Especially after July this year, due to the impact of the global financial crisis, the credit customer business developed by our department has been greatly affected, with a sharp decline in business and some serious losses. The branch attached great importance to this and set up a risk investigation team to collect information from key credit granting enterprises. According to the arrangement of the leader, I actively assisted the relevant personnel to conduct on-the-spot investigation and understand the situation. Only by carrying out these tasks in a down-to-earth manner can we win the initiative to prevent risks. It has played a positive escort role for the healthy development of China's credit business.
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