1. How to write the experience of bank account manager?
20 19 for bank employees who are at the center of the reform wave, there are many memorable things, especially for me who works in the position of account manager. The competition made me feel the pressure from the beginning, that is, since then, I have more vitality in my heart, so I must work hard and live up to my mission. That's what I think and do. Over the past year, I have followed the pace of the department leadership in my work and worked hard to complete all the work around the key points of the department. With wisdom and sweat, with actions and effects, it embodies the spirit of dedication and selfless dedication. Customer first, deposit as the center.
Due to the change of customer policy and unfair and vicious internal competition, my deposit has been greatly reduced. Up to now, my deposit task is still1600,000 yuan per day, and my personal deposit is 2.5 million yuan.
Customer first, deposit as the center.
In my work, I always set up the concept of customer first, taking the customer's affairs as my own business, worrying about the customer's urgency and thinking about the customer's thoughts. In terms of working methods, I always achieve "three diligence", diligent in moving my legs, diligent in hands-on and diligent in thinking, so as to win the support of customers for our business. I can be a serious and responsible person in my work.
I have been engaged in credit and deposit work in banks for more than ten years, and my ability to work independently is relatively comprehensive. With the needs of bank reform, my working ability and comprehensive quality have been greatly improved, and my business level and professional skills have also been updated and improved with the reforms in various stages. In order to live up to my mission and strive to complete the tasks assigned by my superiors, I, as the account manager of the customer, with the help of the department, boldly explore ideas, establish the idea of customer first, recruit different customers, adopt different working methods, and strive to provide quality financial services to customers. My understanding of work is that "the needs of customers are my work".
Open up new ideas, be brave in innovation and work creatively.
With the reform of China's economic system and financial system, the trend of customers choosing banks has been formed, and the competition among banks is becoming increasingly fierce. In terms of business development, you have me and I have you. In order to survive and develop in the competition, how to serve key customers plays a decisive role in our business development.
I think as an account manager, we should always pay attention to market research and market dynamics. Studying the market is to analyze the marketing environment, study the customers on the premise of grasping the objective environment, understand the operating rules of customers' funds through the research on customers, and strive to track the downstream funds from customers to our bank, so as to realize the "monopoly control" of funds from the source, realize the internal circulation of funds and consolidate our financial strength. In one of my customers this year, the capital flow is relatively large. In order to make its capital circulate in the body, I started from scratch, won the trust of the unit with high-quality service, and gradually found out the downstream units of the unit. Through many door-to-door contacts, all the infrastructure funds allocated by the unit were left in our account. In addition, in July this year, the municipal government asked the national treasury to take the initiative to contact the door when transferring the funds out of the commercial bank, and successfully retained the customer's funds in our bank.
Another example is to carry out health and fitness activities as a clue, which not only pushes the communication with customers to a deeper level, but also breaks the traditional public relations model and has received very good results in the work. In September this year, when I had a friendly exchange of skills with the relevant personnel of a real estate company, I learned that the customer wanted to auction some of his properties and worked actively to transfer the auction money of 5 million yuan to our bank smoothly.
2. How to write the experience of bank account manager?
Because of work needs, I worked as a department manager in the personal business department of the branch from the end of June 65438 to the beginning of June 65438. According to the working ideas of the Party Committee of the Bank and the current situation of personal business development in the sub-branch, the working direction of "paying attention to traditional business, paying close attention to new business and promoting steady and rapid growth of personal business income around new economic growth points" was established. 1. Promote the steady growth of deposits and loans.
Under the correct leadership of the Party Committee of the Bank, various labor competition activities such as "Spring Action" and "Summer Passion" have promoted the steady growth of savings deposits and personal loans. Thanks to the joint efforts of all employees, by the end of September, savings deposits had increased by RMB, RMB and RMB respectively on the basis of the balance at the beginning of the year, and completed 64% and 65,438+0% of the plans issued by the branch respectively.
Combined with the high-quality transport capacity of xx Yangtze River waterway and the investigation of the personal financial business department of agriculture, rural areas and farmers of the city branch, the Measures for the Administration of Personal Ship Mortgage Loan of Agricultural Bank of China City Branch (Trial) was issued, and the branch became the first branch to offer personal ship mortgage loan. As a big water transportation county, we have a new economic profit growth point.
Two, promote the sustainable development of the work of agriculture, rural areas and farmers, and fully reduce the loan risks of agriculture, rural areas and farmers.
We will continue to promote the work concerning agriculture, countryside and farmers with the support of "Nongshangtong", "Huinong Card" and "micro-loans", collect 120 19 households, organize a training meeting on the installation and use of Nongshangtong in April, install 60 Nongshangtong at one time, and open 20 19 small cash withdrawal Nongshangtong to broaden the card environment of Huinong Card.
Under the leadership of the president, we went to three rural outlets for a thorough investigation. In view of the current situation of "the growth of non-performing loans of small-scale agricultural loans" and the actual situation of farmers, the scheme of "prosecuting part, deterring part, collecting part at home and suspending part" was formulated and implemented to prevent the non-performing loans of small-scale agricultural loans from being blocked. Through various means, the county * * * recovered 6.5438+0.8 million yuan, and the non-performing rate was controlled below 5%.
The third is to pay close attention to the development of new business and achieve zero breakthrough in wealth management products and gold sales.
In view of the new changes in the financial market and customer demand, we will promote the marketing of wealth management products from the interests of customers. First of all, I took the lead in marketing 2.5 million wealth management products, then formulated the reward method for wealth management products, and then explained the spirit of wealth management products to the director, lobby manager and account manager. At the beginning, every time there is a new wealth management product, the information and key points will be printed to the lobby manager Wang Xiaoyan and others, and marketing will be pushed away from point to point. By the end of September, * * * had sold wealth management products of RMB 39,465,438+RMB 600,000.
In view of the recovery of the gold market and the requirements of customers, the loan branch agreed that the branch business department should start the east wind of buying and selling physical gold, and with the support of the bank leaders, coordinated the internal departments of the banking regulatory bureau, the industrial and commercial bureau, the branch and so on, so that the branch business department could successfully sell physical gold in May, and organized the marketing of 65 1 gram of physical gold in the same month. In May and June, they all won the second place in the precious metal sales competition of the business outlets of the Third Agricultural Bank of China, with a prize of 3,000 yuan each.
Fourth, attach importance to the development of credit card business.
Strictly control the incremental quality of credit cards to avoid the phenomenon that "bad money drives out good money" in monetary science from happening to platinum credit card customers. For the existing platinum credit card customers, we should change the current situation of "re-issuing cards, ignoring management and neglecting education", sort out the original customer groups, pay equal attention to kindness and credibility, guide customers to use platinum credit cards correctly, spend money reasonably and earn points reasonably, and avoid malicious cash withdrawal and malicious overdraft. Give continuous use and appropriate increase to customers with high points, high installment and high contribution rate, and give credit relief and credit lock to customers with low points and no installment, so as to promote the benign, healthy and sustainable development of credit card business.
3. How to write the experience of bank account manager?
With the formation of diversified competition pattern of the main body of the banking system and the improvement of the function of the capital market, the competition for high-quality customers has become the focus of peer competition. At the same time, the increasingly diversified, comprehensive and personalized customer needs have created opportunities and challenges for the banking industry. In order to cope with the fierce competition, provide customers with higher-level and all-round services and improve their own benefits, we must establish a marketing team with quick response, high comprehensive quality and strong service awareness-account manager team. But whether the members of the account manager team have strong business ability and service consciousness, and whether they really understand the job responsibilities of the account manager, I think it needs further discussion. Here, I only talk about my personal thoughts on how to be a qualified account manager from what I have learned from my study: First, account managers must have the qualities they deserve.
The account manager is not only the representative of the relationship between the bank and its customers, but also the representative of the bank's external business. He not only needs to fully understand customers' needs and market products and businesses to them, but also needs to coordinate and organize all relevant departments and institutions of the bank to provide all-round financial services to customers, which requires good professional ethics and comprehensive ability. At work, we should always establish the idea of customer first, take the customer's affairs as our own business, think about what the customer thinks and worry about what the customer is anxious about.
1, with high sense of responsibility, good professional ethics and strong professionalism. Have a strong sense of responsibility and dedication, and at the same time take into account the interests of banks to meet customer service or requirements. Strictly keep the secrets of banks and customers.
2, should have a high professional quality and policy level. Familiar with and understand financial policies, legal knowledge and financial products, and constantly improve professional quality through on-the-job training, rotation training and internal training to meet the needs of business development.
3. Quick thinking, good at analyzing and finding problems. Have certain marketing skills and analytical planning ability.
4. Enthusiastic and cheerful, with strong research and coordination skills. I am good at expressing my own views and opinions, maintain a good working relationship with the management and business level of the bank, and have a strong team spirit.
5. Strong endurance and strong courage to overcome difficulties. Can go through hardships and enter thousands of households.
Second, account managers should be good at grasping market information and meeting customer needs in time.
As an account manager, you should have a clear mind and a keen sense of smell, capture all kinds of economic information in time, constantly analyze and study, find problems in time, and feed back information to promote the healthy development of banking business. We should pay attention to the research and development of the market, understand the economic development trends of national industries, industries, product policies and local governments through the internet and media, analyze the marketing environment of customers, investigate customers under the premise of grasping the objective environment, understand the laws of customer capital operation, determine marketing plans in time, and consolidate the financial strength of banks. Master the business dealings between commercial banks and customers and their proportion in our bank; At the same time, adhere to the customer-centered, clear the customer status and development plan, the customer's business quantity, quality, income, potential and demand in our bank, lock in the target customers and establish a good cooperative relationship.
Third, account managers should do a good job in customer marketing and customer maintenance.
As an "ambassador" with full authority to contact customers on behalf of banks, account managers should actively and frequently keep in touch with customers, discover their needs, guide their needs, give them timely satisfaction and provide "one-stop" service for customers. For existing customers, account managers should keep in constant contact with them, and for potential customers, they should actively develop them. The main purpose of development is to market products and strive to achieve "win-win". According to the bank's management policy, business plan and post requirements for account managers, I put forward my own marketing direction, work objectives and operation plan through in-depth research on the market. First of all, based on the principle of "win-win between banks and enterprises", we should calculate the input-output accounts of banks, calculate the accounts for customers and design the most suitable financial product portfolio for customers; Secondly, subdivide customers, establish target markets and potential customers, and conduct all-round analysis and evaluation of customers. Keep in touch with customers at all times and mobilize customer resources, use effective communication means and communication strategies to keep in touch with customers, and conduct fruitful visits and observations on customers. Third, in the interaction with customers, account managers should actively promote bank products. Be good at discovering customers' business needs, and actively suggest and recommend applicable products to customers. Report to relevant departments in time if necessary, and actively explore the possibility of developing special products for them. Fourth, strengthen risk management and effectively monitor customer risks. Pay close attention to the changes in all aspects of customer production, operation and management and the flow of large amounts of funds. No matter what problems occur, they should be considered in connection with asset safety and measures should be taken in time. Establish and improve customer files and monitoring ledgers in accordance with regulations, collect and analyze data in time, and monitor customer credit status in real time; And do a good job in post-loan inspection and daily inspection, and timely collect loan interest and principal; Actively participate in enterprise management when necessary, assist enterprises to do a good job in production, operation and financial management, and minimize capital losses.
Four, the account manager should continue to pay attention to financial innovation, increase quality service, and strive to achieve a "win-win".
Thinking determines action, and action determines the result. Account managers must have a strong sense of innovation, which is mainly reflected in the development of customer market and the marketing of financial products. Quality service is embodied in brand-new customer service concept, all-round customer service content and modern service means. In order to enrich the simple and boring service work and truly embody the concept of customer first. In the process of contacting customers, account managers should keep in mind the development idea that "customers' needs are the work of account managers", be brave in innovation and creatively carry out their work, inject brotherhood into their work with sincerity, think for customers, solve their worries, meet their needs and care for their hearts. Tolerate customers with affection, understand customers with heart, touch customers with love, and develop customers with quality service.
According to different customers, we adopt different working methods and strive to provide customers with quality financial services. Customers will be moved by surprises when they receive flowers from us on their birthdays. If customers receive interesting information from us when they are upset, they will definitely put the unhappiness behind them for the time being and hold a little gratitude; When the customer is unfortunately lying in the hospital bed, he is even moved by the figure running upstairs and downstairs after we are busy ... Although everything is normal and simple, it will definitely win the support and understanding of the customer and promote the feelings between each other.
I think to be a qualified account manager, we should take risk prevention as the center, always run through the concept of taking customers as the center and building our own brand to cultivate our loyal customers, establish our own image and build our own brand, and finally achieve profitability.