Review and approve job responsibilities
Job responsibilities:
1. Be able to independently audit various risks in financial business;
2. According to the regulatory requirements and the company's various systems, guide or cooperate with business personnel to carry out pre-loan investigation and analysis, and independently carry out project evaluation, risk review, scheme design, credit approval and other work.
3. Be responsible for the access review of cooperative institutions and issue relevant review opinions.
4. Responsible for the credit review of the business under the approved project.
5. Take the lead in post-loan management, and guide business personnel to conduct post-loan management.
Second, how to do a good job of pre-loan investigation
How to do a good job in pre-loan investigation;
1, adhere to the four steps.
(1) First, listen to the basic self-report of the lender, and then listen to the description of the lender by people around the lender. You can also know whether the borrower pays the supplier in time through the upstream and downstream customers of the lender. This step helps the account manager to make a preliminary judgment on the overall situation of the customer;
(2) The second step is inspection. On the basis of the first step, the account manager should investigate the authenticity and make a reasonable judgment on the borrower and qualification by looking at the customer's business license, original tax registration certificate, loan card, financial statements and qualification certification materials.
(3) The third step is to verify the financial information, operating conditions, collateral and guarantor of the enterprise according to the information collected in the previous two steps. If there is any discrepancy, ask the borrower to make a reasonable explanation.
(4) The last step is analysis. Through the above three surveys, the account manager needs to analyze and sort out the borrower's relevant information after learning a lot of information about the lender, and then evaluate the customer's loan risk and operating efficiency, and make a systematic analysis of the previous survey.
2. Classification of loan types
Credit risk is usually divided into pure credit risk and mortgage loan, and the different loan types determine that the concerns of different credit personnel should also change. For example, mortgage loans, whether mortgage consumption or mortgage operation, should go to the field to verify the authenticity of collateral, and see if the mortgaged collateral is a house, its location, geographical location, apartment quality and appreciation potential are consistent with written materials. It also depends on the matching degree of collateral and loan amount. For credit, we should start from the credit of customers, from the credit assets of customers to the character of customers.
3. Implicit liabilities
An important content of pre-lending inspection is to check the liabilities of business entities and actual controllers to prevent the possibility of hidden liabilities. Therefore, the manager should consciously guide the actual controller in debt during the interview process, and the handler can think of a set of words in advance to "inadvertently" ask the fundraiser about the financing channel, such as whether the fundraiser has borrowed money from the third-party platform or private credit, which are hidden dangers of hidden liabilities. Also, we should pay attention to the proof of charge to an account, see if there are any foreign loan IOUs and fixed payment certificates, and compare them with the bank flow provided by the borrower.
4. Check the debtor's environmental protection.
With the normalization of national policies and environmental protection, more environmental protection strategies will be formulated in line with economic trends. Therefore, financial institutions must reduce or avoid participating in enterprises that do not meet environmental standards, not to mention some highly polluting enterprises. Such enterprises may face the danger of being sealed up at any time because they violate the national environmental protection regulations. If you lend money to them, you will bear great risks, which is not conducive to the sustainable development strategy.
5. Ask an experienced old loan officer.
In the preparatory stage of pre-loan investigation, if loan officers feel that they lack experience or can't grasp the key points of the investigation, they can consult experienced old loan officers, learn their key points of the investigation, learn from their own experience and personal experience, control their own shortcomings, avoid being betrayed by customers, and increase the possibility of credit risk.
6. Diversification
Through the pre-loan visit, find out whether the customer has other business investments, such as entertainment industry and housing-related industries. Diversified interviews can show whether there is relevant information in the enterprise loan card and whether there is relevant enterprise information in the personal credit information of the boss's spouse. Take out the query software to see if the shares of these enterprises are related.
Third, how to do a good job of pre-loan investigation
How to do a good job in pre-loan investigation;
1, adhere to the four steps.
(1) First, listen to the basic self-report of the lender, and then listen to the description of the lender by people around the lender. You can also know whether the borrower pays the supplier in time through the upstream and downstream customers of the lender. This step helps the account manager to make a preliminary judgment on the overall situation of the customer;
(2) The second step is inspection. On the basis of the first step, the account manager should investigate the authenticity, and make a reasonable judgment on the borrower and qualification by looking at the original customer's business license, tax registration certificate, loan card, financial statements and qualification certification materials.
(3) The third step is to verify the financial information, operating conditions, collateral and guarantor of the enterprise according to the information collected in the previous two steps. If there is any discrepancy, ask the borrower to make a reasonable explanation.
(4) The last step is analysis. Through the above three surveys, the account manager needs to analyze and sort out the borrower's relevant information after learning a lot of information about the lender, and then evaluate the customer's loan risk and operating efficiency, and make a systematic analysis of the previous survey.
2. Classification of loan types
Credit risk is usually divided into pure credit risk and mortgage loan, and the different loan types determine that the concerns of different credit personnel should also change. For example, mortgage loans, whether mortgage consumption or mortgage operation, should go to the field to verify the authenticity of collateral, and see if the mortgaged collateral is a house, its location, geographical location, apartment quality and appreciation potential are consistent with written materials. It also depends on the matching degree of collateral and loan amount. For credit, we should start from the credit of customers, from the credit assets of customers to the character of customers.
3. Implicit liabilities
An important content of pre-lending inspection is to check the liabilities of business entities and actual controllers to prevent the possibility of hidden liabilities. Therefore, the manager should consciously guide the actual controller in debt during the interview process, and the handler can think of a set of words in advance to "inadvertently" ask the fundraiser about the financing channel, such as whether the fundraiser has borrowed money from the third-party platform or private credit, which are hidden dangers of hidden liabilities. Also, we should pay attention to the proof of charge to an account, see if there are any foreign loan IOUs and fixed payment certificates, and compare them with the bank flow provided by the borrower.
4. Check the debtor's environmental protection.
With the normalization of national policies and environmental protection, more environmental protection strategies will be formulated in line with economic trends. Therefore, financial institutions must reduce or avoid participating in enterprises that do not meet environmental standards, not to mention some highly polluting enterprises. Such enterprises may face the danger of being sealed up at any time because they violate the national environmental protection regulations. If you lend money to them, you will bear great risks, which is not conducive to the sustainable development strategy.
5. Ask an experienced old loan officer.
In the preparatory stage of pre-loan investigation, if loan officers feel that they lack experience or can't grasp the key points of the investigation, they can consult experienced old loan officers, learn their key points of the investigation, learn from their own experience and personal experience, control their own shortcomings, avoid being betrayed by customers, and increase the possibility of credit risk.
6. Diversification
Through the pre-loan visit, find out whether the customer has other business investments, such as entertainment industry and housing-related industries. Diversified interviews can show whether there is relevant information in the enterprise loan card and whether there is relevant enterprise information in the personal credit information of the boss's spouse. Take out the query software to see if the shares of these enterprises are related.
Four, how to do a good job in the whole process of credit risk management.
Spread out completely
Judging from the continuous growth of new non-performing loans, since objective factors are inevitable, it is particularly important to do a good job of risk management in the whole process of credit business subjectively.
It is particularly important to grasp the source and see the real chapter for details, and do a good job in risk management in the whole process of credit. First, do a good job in learning the business knowledge of credit business line personnel, and build a "trinity" learning mechanism that runs through the whole business line, including "business department office management, personnel audit process and account manager process". While ensuring the integrity and self-discipline of employees in all business lines, it is required to further improve the ability to control operational processes and rules and regulations. The second is to improve the risk identification ability of the account manager, especially to correctly judge whether the borrower is honest and trustworthy, what is the prospect risk of the industry he is engaged in, and whether he can be able to repay the principal and interest after the end of the production cycle. Third, the pre-loan investigation should be practical and detailed. For new customers who apply for credit exceeding a certain limit but don't know their situation, we must conduct a detailed and in-depth pre-loan investigation so as to walk more, ask more questions and read more. Fourth, the investigation report should truly reflect the risk situation, and describe in detail why the loan is made, what the loan does, whether it still has repayment ability or a stable source of repayment, without involving any subjective elements. Fifth, the loan procedures should be perfect and compliant, and evidence should be left in the signing process to do a good job of face-to-face signing. Every conditional loan must have video materials. Sixth, it is necessary to ensure that borrowers and guarantors fully understand all the terms agreed in the contract and avoid them.
Mastering the process The production and operation of the project operated by the borrower is greatly limited by social, economic, political and even natural disasters, so it is very important to master the whole process from loan issuance to loan recovery at all times. I think we should do the following four things well.
First, ensure that the post-loan investigation is compliant and implementable, and pay special attention to the importance and necessity of the first post-loan inspection. Second, we should pay more attention to communicating with borrowers, especially those who have newly established business relations, to know the production and operation situation and ideological trends of borrowers in a timely manner, and to make timely judgments on the risk situation. Third, strengthen the management of loan interest collection. In order to strengthen the interest collection and improve the refined management level of loans, at present, the interest settlement of loans mostly adopts the method of monthly interest settlement, which requires us to increase the density and frequency of loan management and pay attention to reminding customers to settle interest on time. Fourth, loan management is based on avoiding losses. Once there is a risk, measures should be taken quickly to save it, overcome the wait-and-see mentality, and even take judicial procedures to force collection under special circumstances.
Strengthening the control of loan management results is very important for whether the loan can be completed from beginning to end and effectively increase the benefits. First, we should strengthen the pre-judgment of the handling methods after the loan expires, and make a more intuitive judgment on whether the loan can be repaid, whether it can be settled or recovered, or avoid borrowing the new and returning the old, and strengthen the pre-control of the loan. Second, whether it is returned or not, we must insist on collection before maturity, and advance the collection period from the current minimum of ten days to one month or earlier, so as to minimize the risk and better grasp the loan control ability. Third, according to whether the borrower defaults during the loan period, the credit scale should be properly regulated. For those who obviously breach the contract, according to the actual situation, stop or re-evaluate the credit line, and resolutely put an end to lax mood, leading to unnecessary risks in the future credit business.