Hello!

1. Proficient in policies and theories related to credit business.

2. Have good professional ethics and a high sense of responsibility.

3. Strong communication skills, good at communicating with customers.

I hope it will be helpful to you and I hope it will be adopted.

Second, what is the bank credit department?

As the name implies, the credit department of a bank is the department that manages credit. Its task is to strive for corporate deposits, review and issue corporate loans. Employees in the credit department are generally called loan officers or project managers. Each bank has a different name, and each person is responsible for several enterprises (or units). They should be familiar with the operation and financial situation of the enterprise and master the use of enterprise loans. If you practice, the loan officer is the teacher. He (she) will teach you to understand the financial statements of the enterprise, analyze the operation and financial situation of the enterprise, and go to the enterprise to understand the real situation of the enterprise on the spot. Loan officers spend most of their time running outside instead of sitting in the office, requiring them to have strong public relations and analytical skills and be good at dealing with people. The ratio of boys to girls is not specified, but mainly depends on ability. The credit department is the key department for banks to obtain profits, and it requires higher personnel. As for the internship time, I have to go to work, that is, from Monday to Friday.

3. What are the requirements for becoming a credit specialist?

First of all, business knowledge should be comprehensive, and all kinds of businesses should be loaned. Mastering the risk prevention of Guodian can accurately judge risks, scientifically determine customer relationships, understand customers, find customers, select customers, cultivate customers to discover and create new business opportunities and create new business growth points.

4. What are the requirements for becoming a credit specialist?

The bank loan officer can be said to be a "polygraph" sent by the bank to test whether the information provided by the lender is true or false. He is mainly responsible for investigating the strength and potential of loan companies and individuals and providing them with policy suggestions on loans. He needs excellent judgment and keen observation, as well as good listening, affinity and communication skills. 1. Loan types ① According to different loan subjects, loans can be divided into three types: self-operated loans, entrusted loans and specific loans. Among them, entrusted loan means that the client provides funds, and the bank, as the trustee, handles the loan formalities according to the object, purpose, amount, term and interest rate specified by the client, and only charges the handling fee and does not bear the loan risk. Specific loans refer to loans granted by wholly state-owned banks with the approval of the State Council after taking corresponding remedial measures for the losses that may be caused by loans. (2) According to the borrower's credit, loans can also be divided into credit loans, secured loans (secured loans, mortgage loans,), bill discount and other types. According to the different purposes of loans, they can be divided into working capital loans, fixed assets loans, industrial loans, agricultural loans, consumer loans and commercial loans. No matter what kind of loan, all borrowers should provide guarantee, except those who are examined, evaluated and confirmed by the lender to have good credit standing and can repay the loan. Second, the loan contract is an agreement that clarifies the rights and obligations of all parties. A loan contract is an agreement between a bank and a borrower, which stipulates the loan conditions and provides funds for the borrower's use. The borrower uses the funds according to the agreed purposes and pays the principal and interest on time. The loan contract is the legal basis for determining the rights and obligations of banks and borrowers. Its main contents include: loan type, loan purpose, amount, interest, term, repayment fund source and repayment method, guarantee terms, liability for breach of contract and other terms agreed by both parties. The content of the loan contract is equivalent to the law between the parties. Any party who violates any of these terms shall constitute a breach of contract and shall bear corresponding liabilities for breach of contract.