The position of bank personal loan business manager is that you need to be responsible for finding mortgage customers, analyzing risks, issuing loans and managing after loans. Half of them are divided into two categories: 1, which need bank loans to buy a house; 2. Pledge personal property to bank loans and use it for other purposes;

The core is how to find customer resources. You can't look for them one by one, and you can't visit customers such as banks. You need to have a good relationship with real estate agents and get customer resources from them. Your income may also need to be divided into specific salesmen in the agent, such as full house, Zhongyuan real estate and so on. These are relatively large and should be developed by others.

The most important thing is to get on well with the intermediary! ! ! !

With customer resources, we also need to know the specific lending process of banks and the approval threshold of banks. You need to know how much this kind of customer can borrow with the house mortgage here, and what is the interest rate ~ ~

Finally, the personal loan manager implements the monthly performance zeroing system ~ the bank may give you tasks every quarter, and you will get corresponding bonuses after you complete them, and then your performance will be zeroed and you will start again. They don't care how much you pay, and your bonus doesn't come from how much you pay, but how much you pay ~ ~ ~

The loan is investigated by the employees in which position of CCB.

1. Investigation department and personnel

The Business Operation Department (including individual loan center) of China Construction Bank is the investigation department of individual housing loans. The personal housing loan business management department should set up a pre-loan investigation post, and the pre-loan investigation post personnel and the loan acceptance post personnel can concurrently serve each other.

2. Types and requirements of investigation

Pre-loan investigation can be conducted in various ways, such as reviewing loan application materials, interviewing loan applicants, inquiring personal credit, conducting surveys, and conducting field visits. Among them, it is necessary to review loan application materials, interview loan applicants and inquire about personal credit.

(1) Review the loan application materials

Before the loan, the investigator knows the basic situation of the loan applicant, the house purchased (built) by the loan, the loan guarantee, etc. By examining the loan application materials;

(2) Interview with the loan applicant

Before lending, the investigator must directly interview the loan applicant (including the co-applicant) at least once, and the interview can be conducted at the same time as accepting the loan application.

Before the loan, the investigators should know the basic situation of the loan applicant, the house purchased by the loan and other contents that the investigators think should be investigated through interviews.

Before the loan, the investigator shall record the interview with the applicant, mainly including the contents that may have authenticity risks, the contents that are not included in the application materials but should be used as the basis for loan approval, and other contents that may have a significant impact on the loan.

What is the responsibility of the bank credit specialist?

Bank loan officers should be responsible for investigating the strength and potential of loan companies and individuals and providing them with policy suggestions on loans. So, what else do bank loan officers do? Come and have a look with me!

What is the responsibility of the bank credit specialist?

1. What is the responsibility of the bank credit specialist?

Announce the types, terms, interest rates and conditions of operating loans, and provide consulting services;

Guide to fill in the loan application form and help to handle the loan application and other business;

Assist relevant personnel and departments to evaluate the credit rating of borrowers;

Investigate the legality of the borrower and other factors, verify the situation of collateral, pledge and guarantor, and measure the loan risk;

Reply to the loan application, sign a loan, guarantee contract or go through notarization procedures;

Issuing loans, tracking, investigating and checking the contract execution and operation of borrowers;

Send a notice of repayment of principal and interest, and urge the borrower to repay the loan; Send a collection notice to collect overdue loan principal and interest;

Collect relevant information and assist borrowers who fail to repay the principal and interest by relevant departments;

Establish and improve the loan quality preservation system, classify, register, evaluate and collect non-performing loans, and write off non-performing loans in time;

Assist in the acceptance, discount and rediscount of commercial bills.

Two. Professional requirements of bank credit specialist

Education and training: College degree or above in finance, economy or related major; Need to study finance, economics, marketing, management, banking and other courses.

Work experience: at least 2 years working experience in bank credit and other related businesses; Need to have good listening, communication skills and affinity.

Three. Salary and treatment of bank credit specialist

Income is calculated according to performance, and the average monthly basic salary is about 2000 yuan. Different banks have different assessment systems, and the income of loan officers varies greatly. Generally, the monthly deposit is 6.5438+million, and the annual income is about 70,000. If the monthly deposit exceeds 3,000 yuan, the annual income is basically guaranteed to be above 6.5438+million.

The annual salary of ordinary bank loan officers: not so high for beginners, generally around 60,000, which is a good figure for newcomers. Banks can be roughly divided into three categories: state-owned banks, joint-stock banks and foreign banks. The income rankings of these three categories are: joint-stock banks, state-owned banks and foreign banks.

If it is done well, the annual salary of loan officers in state-owned banks can be12-150 thousand. The rule of this line is to speak with ability, and income fluctuates with personal performance. The more active the deposit and loan business, the higher the income.

What is the responsibility of the bank credit specialist? 2

Job responsibilities:

1. According to the company's credit approval policies and relevant regulations, conduct approval, audit and quality inspection within the authority.

2, review the integrity and authenticity of the loan applicant's information, including collateral; Prevent fraudulent customers.

3. Work according to standard procedures and make necessary telephone records for the loan applicant and the three parties.

4. Part of teaching management for new employees.

5. Complete the examination and approval tasks in time and accurately to ensure the efficiency and quality of examination and approval; Adapt to shift work system.

6. Find risk problems, report to superiors in time, track and control risks, and put forward suggestions for optimizing the approval process.

Requirements:

1, bachelor degree or above (relaxed for those with excellent conditions), major in economics, finance and management is preferred.

At least 2.6 years relevant experience in credit approval, experience in internet lending products is preferred.

3. Strong awareness of risk prevention and control, good at communication and good at written and oral expression.

4. Proactive and responsible, careful and diligent.

5. Strong communication, analysis and execution skills.

What is the responsibility of the bank credit specialist?

Job responsibilities:

1. Responsible for lending business, seeking high-quality financial cooperation channels and maintaining long-term and stable cooperative relations;

2. Risk preliminary examination, process tracking and fund recovery of handling business;

3. According to the departmental objectives, complete all tasks with good quality and quantity within the specified time;

4. Actively participate in various trainings and activities of the company;

5. Other work assigned by the leaders.

Requirements:

1, optimistic, confident, and has its own principles for financial sales;

2. Have a certain financial sales circle and personal connections in Shenzhen;

3, 22-30 years old, college degree or above, finance and other related majors are preferred;

4./kloc-more than 0/year working experience, and more than half a year working experience in institutional credit, microfinance and consumer finance sales;

5. Have good communication, learning, organization and negotiation skills and customer service awareness;

1, responsible for developing loan customers, business channels and accumulating customer resources;

2. Maintain the business of old customers and tap their greatest potential;

3. Communicate with cooperative customers regularly and establish good long-term cooperative relations.

Requirements:

1, male or female, over 22 years old;

2. More than 65,438+0 years experience in promoting financial credit products is preferred;

3, love sales work, quick response, strong expression skills, strong communication skills and communication skills, and affinity;

4. Good customer service awareness; Responsible, able to work under great pressure; Good at challenging;

5. Have a strong sense of entrepreneurship and are willing to grow together with the company.

Job responsibilities:

Excavate high-end customers in the market, develop and publicize market loan information, assist customers to prepare loan information and solve customer needs.

Make a preliminary assessment of the application materials and financial resources of customers who need loans, and screen risky customers.

Coordinate loan approval, contact loan signing, follow-up and after-sales service.

Requirements:

1, 2 1-35 years old

2. Bachelor degree or above.

3. Major in finance and marketing, with relevant work experience is preferred.

4, hard-working, strong execution, and a sense of teamwork.

5. Self-confidence, optimism, positivity and good communication skills.

What is the responsibility of the bank credit specialist?

Job responsibilities:

1, relying on the loan service customer resources provided by the company, directly communicate with customers through the communication platform integrating VoIP and mobile technology to verify the real information of the lender.

2. Patiently ask relevant questions to customers, complete information confirmation and accurately record customer information, and feedback information results in time.

3. Patiently listen to customers' demands and give professional answers, and put forward high-quality customer service.

4. Every day, there will be 10 just-needed customers (contact the customers who submitted the loan application intention in official website of our bank, there is no need to dig up the customers themselves, check the authenticity and accuracy of customer information, match the best loan scheme for them according to their specific conditions, follow up the customers and help them succeed in the loan).

Job requirements:

1, age 18-35 years old, college degree or above.

2, articulate, standard Mandarin, moderate speech speed, no accent, strong language expression and listening ability, clear thinking and quick response;

3, the basic computer operation level, typing speed of more than 30 words/minute;

4. Good communication skills and teamwork ability, hardworking, responsible and willing to accept challenges.

What is the responsibility of the bank credit specialist?

Job responsibilities:

Responsible for the installment payment of China Merchants Bank credit card purchased in Guangzhou, and responsible for the development, maintenance and customer service of cooperative 4s stores.

Requirements:

1, full-time bachelor degree or above, major in finance, marketing or management is preferred;

2, aged 20 to 30 years old;

3. Good communication and coordination skills, cheerful personality and strong sense of responsibility;

4. Experience in market development, business negotiation or marketing is preferred;

5. Working experience in high-end brand car 4s shop is preferred;

6. It is best to have a personal car driver;

7. Able to work under pressure and challenge.

The company will provide you with:

1, welfare guarantee:

A, five insurance (including pension, medical care, work injury, unemployment, maternity) a gold (housing provident fund);

B. National statutory holidays; C. annual employee team tour; D, regular physical examination.

2. Salary: basic salary, monthly allowance, monthly bonus and incentive competition bonus;

3. Improve the mature system training (including financial management knowledge and business skills, etc. );

4. Good development platform and promotion space.

What departments and positions does the bank have?

The banking sector is as follows. The business department of the company is mainly responsible for the company's business and audit. Personal business department is mainly responsible for personal business, residents' savings and audit. The international business department is mainly responsible for international package lending, international wire transfer and foreign exchange settlement. The fund operation department is mainly for fund settlement. The credit examination and approval department is responsible for the examination and approval of various loans.

Risk management department, the department in the bank that evaluates, manages and solves business risks. The business risks of banks mainly include: credit repayment risk, accounting settlement risk, new business test risk, financial management risk, legal risk of business documents and so on.

The accounting and settlement department takes safety as the theme, and strengthens the basic management of accounting and settlement, including increasing reserves, intermediary business, insurance, funds and other work. , as well as the awareness of prevention, professional quality, accounting quality and service skills of all employees.

Introduction to bank work

1. Ordinary teller, who handles all basic business of bank counters, including but not limited to deposit and withdrawal in local currency, settlement and sale of foreign exchange, bill business, etc. Be responsible for answering business inquiries from customers inside and outside the Bank, and cooperate with the Business Development Department to provide customer service.

2. Enterprise account managers refer to the personnel engaged in the maintenance and expansion of bank deposits, loans and intermediary business of small and medium-sized enterprises, individual industrial and commercial households and business owners.

3. The lobby manager should ensure the daily operation of the bank's business hall, maintain order, give appropriate guidance and help to customers, handle emergencies in the bank's business hall, and handle other tasks entrusted by the leaders.

4, foreign exchange traders, analysis of domestic and foreign financial market trends, seize market opportunities, timely trading operations, regularly provide market analysis reports.

What departments, positions and their respective work contents do banks have?

What departments, positions and their respective work contents do banks have?

The department settings of each bank are definitely not exactly the same, but some departments are the "standard" of banks and are basically available. Corporate business department: mainly responsible for corporate business, audit, etc.

Project financing and corporate loan department: responsible for developing loans and deposits for various foreign currency and RMB industrial enterprises.

Personal business department: mainly responsible for personal business, household savings and audit.

Personal Finance and Wealth Management Department: responsible for developing and managing personal comprehensive foreign currency financing and credit card business.

International business department: mainly responsible for the development and management of international package lending, international wire transfer, foreign exchange settlement, international trade settlement and trade financing business.

Fund operation department: mainly fund settlement.

Business department: handling deposits, loans, remittances, savings, bank cards, loss reporting, account cancellation, online banking, related business and banking business inquiries, and the recovery and exchange of residual coins.

Credit approval department: responsible for all kinds of loan approval, etc.

Risk management department: it is the department that evaluates, manages and solves business risks within the bank.

(The operational risks of banks mainly include: the repayment risk of credit, the settlement risk of accounting, the risk of testing new business, the risk of financial management, the legal risk of business documents and so on. All these risks, especially the first three types of business, are controlled by the risk management department. )

Compliance Department: an independent functional department that identifies, evaluates, informs, monitors and reports compliance risks of banks.

("Compliance risk" refers to the risk that a bank may be subject to legal sanctions or regulatory penalties, major financial losses or reputation losses due to its failure to comply with laws, regulations, regulatory requirements, rules, relevant standards formulated by self-regulatory organizations and codes of conduct that have been applied to its own business activities. )

Finance Department: Finance and planning affairs are the core and right departments of banks.

Accounting and settlement department: accounting and settlement of income and expenditure.

Cashier's security department: mainly responsible for cash management, safety inspection, monitoring management, fire safety and other security work.

Ministry of Science and Technology: Mainly responsible for computer software and hardware maintenance of banks.

Internal Audit Department: it is mainly responsible for checking the summons of branches and checking the errors of tellers.

Electronic Banking Department: responsible for the electronic banking business of banks (such as online banking and mobile banking), including system development, operation, maintenance, formulation and implementation of operating procedures, etc.

There are also some departments whose functions are not much different from those of other units, such as accounting department, computer department (or information technology department), legal department, human resources department, audit department, supervision department, security department, development research department, international business department, office (or administration department), party Committee office (including Youth League Committee), business department, board office, and agency office.

What are the positions and work contents of the bank?

All offices of the Head Office, all groups, departments and teams of branches, and branch account managers, branch tellers, account managers and lobby managers. And say the same thing.

Head office processing: There are more opportunities to communicate with senior management, of course, there are more materials to write and more opportunities for promotion. Some departments (such as the financial market department) can participate in the promotion, improvement and development of products to the maximum extent, and have more opportunities to integrate their own ideas and ideas into products (such as process reengineering, confirmation of collateral scope, and development of various "non-standard" products). It's normal to make a watch, and the contact business is complex, cutting-edge, large in quantity, wide in vision (national or even global vision) and high in height. It is easy to become an expert, and there is no external marketing pressure at all. But in the long run, it is easy to narrow down the knowledge of a major, especially those who go to the head office as soon as they graduate. I hope it won't happen again, and I won't meet you!

Branch handling: it has a certain regional vision, and the contact business is diverse and the amount is different. It is normal to make a statement, and there is some external marketing pressure. The external marketing pressure of companies, investment banks and other direct front-office departments is huge, and product innovation varies from bank to bank. Some tier-one branches have cash pools, while others have head offices. Some tier-one branches have a power of 2 billion, while others have only 200 million, which cannot be compared, but one thing is certain, which cannot be compared with the head office. The process reengineering on the system is basically hehe.

Sub-branch account manager: The first line for banks to make money is a group of people who turn their beautiful products into profits. These people need to carry out product range marketing, and customers should take care of everything as much as possible. In many cases, account managers are divided into four categories: corporate loans, corporate loans, personal loans and personal loans. In fact, according to my understanding, customers are all the same. Anyway, the customer is here, and by the way, he did the business of the customer's employees and his own company. How good it is, but it also puts higher demands on account managers. They must understand all kinds of products, be able to design basic financial service solutions for customers, and preferably touch the soul of customers. )

Teller: Basically, it is a matter of code, including going to work early every day, counting money, counting vouchers, opening windows, doing business, selling insurance, selling funds, selling wealth management, etc., eating, being scolded (including myself, the president, my ancestors for 18 generations, the president's ancestors for 18 generations), settling accounts, paying the box, great, not making mistakes for one day, registering the results, and going home.

Lobby manager: It's basically the same thing. Opening the door at work, various explanations (this is his bank card, you can't use it here, you have to make an appointment to withdraw money), being scolded (the content is the same as that of the teller), selling insurance, funds, managing money, and blowing water with the old lady. Great, no one will make trouble in the lobby for a day and register for a performance to go home.

Let's talk about the front, middle and back offices of banks in general. Here, basically, we will talk about what each department does. As for which post does what, you can refer to the functions of the department and think for yourself.

What are the positions and main work contents of the bank credit card center?

There are several main posts in the bank credit card center: management post; Expanding positions are the most positions in bank credit card centers, and so are channel expanding positions; Personnel and financial positions, person in charge and finance, but many bank credit card centers are not self-service finance, so they are not necessarily set up; There are many technical jobs, such as the development of new wealth management products, mobile products, network maintenance and technical services. In addition to the above positions, the bank credit card center has also set up many other positions.

The job of the bank credit card center is to do business. Simply put, it is to let customers handle their own bank credit cards. Credit card centers of banks handle credit card business. Credit card center is a huge department, which generally belongs to the secondary department of the bank, including risk control, customer service, gifts, joint activities and so on.

All the functions of the credit card need to be managed by the credit card center. For example, credit card approval, credit rating, consumer account records, risk control, credit card preferential activities, card points management and so on. These are core functions, and they are generally formal employees of the banking system. Like telephone customer service, it is generally outsourced.

Excuse me, what departments does the bank have, and what positions does each department have?

Accounting is the most tiring, and it is the easiest for public account managers, haha.

If you want to work in a bank, which department of the bank is suitable for your new job?

It is recommended to start at the grassroots level, such as cashiers.

Only when the foundation is laid can there be room for improvement.

I start from the basics, come on!

What kind of jobs and benefits does China Merchants Bank have? Thank you.

Hello, our recruitment homepage:: career.cmbchina./cmbcareer/, you can click to find out.

What is the job of the position of administrative assistant?

The job of an administrative assistant in a small company is very complicated, which is what my company does. (front desk, personnel, logistics, document control).

What are the work contents of the department?

It is a political ruling and social management organization backed by violence, which is organized by a country in accordance with the principle of regional division in order to safeguard and realize specific public interests. In a broad sense, it refers to the sum of public institutions such as legislative organs, administrative organs and judicial organs. Represents social public power. In a narrow sense, it refers to the administrative organs in the state power institutions, that is, the organizational system that enjoys administrative power according to law in a state power system. According to China's Constitution, the organs of state power exercise legislative power, the people exercise judicial power, the people's procuratorates exercise procuratorial power, and the people automatically exercise administrative power. Generally speaking, we use a narrow concept. It has the following characteristics: (1) From the behavioral goal, behavior generally serves the public interest, while in class society, it serves the interests of the ruling class; (2) From the field of behavior, behavior mainly occurs in the public domain; (3) From the way of behavior, behavior is generally backed by coercive means (state violence), which is authoritative and mandatory for all other social organizations; (4) From the perspective of organizational system, the organization is holistic, and it is composed of organs that perform different functions. These organs form a strict system according to certain principles and procedures, and each has its own division of labor, duties and responsibilities.

: it is the executive organ of the state power organ and the state administrative organ.

It is the symbol, carrier and practical actor of national public administrative power. Administrative orders, administrative decisions, administrative regulations, administrative justice, administrative rulings, administrative penalties, administrative supervision, etc. The laws promulgated shall conform to the principles and spirit of the Constitution and relevant laws, be effective for all the applicable objects stipulated by them, and be implemented with the support of the national armed forces.

broad sense

In a broad sense, it refers to the sum of the legislative organs, administrative organs, judicial organs and other public organs of the country, representing social public power.

It can be considered as an institution that formulates and implements public decisions and realizes orderly rule. It refers to all kinds of state public power organs, including all public power organs that have the right to make laws, implement and enforce laws, interpret and apply laws according to law, that is, the so-called legislature, administrative organ and judicial organ.

In this sense, "it is the authoritative expression of the country."

narrow sense

It is the executive organ of the state power organ and the administrative organ in the state power organ, that is, an organizational system that enjoys administrative power according to law in a state power system.

According to the Constitution of China, people's congresses exercise legislative power (Articles 58 and 100), people exercise judicial power (Article 126), people's procuratorates exercise procuratorial power (Article 13 1), and people automatically exercise administrative power (Articles 3, 5 and 6).

2 source

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Its name comes from the combination of government hall in Tang and Song Dynasties and Er Fu in Song Dynasty.

Ancient yamen

During the Tang and Song Dynasties, the central authorities were three provinces and six departments, namely Shangshu Province, and officials were responsible for administrative affairs. The drafting of government decrees by Zhongshu Province is actually a secretarial team; The province under the door is in charge of cashiers and standing orders and has the power to examine imperial edicts. In order to improve work efficiency, in the Tang Dynasty, Zhongshu province and Menxia province were sometimes juxtaposed, which was called "yamen". The "yamen" in Song Dynasty was located in Zhongshu Province, which was called Zhongshu. At the beginning of the Song Dynasty, an envoy of the Tang Dynasty was set up, specializing in military affairs, and his official position was called the Privy Council. He also called Zhongshu Province and Privy Council "the second government". Yamen and Er Fu were later called together.

It first appeared in Zi Jian (Tang Dynasty) Volume 232: He and Long were not in Tubo at first, but since Tianbao, people who fought in Anxi and Beiting and other places in the Western Regions and Chang 'an lost their way back, and all the soldiers and horses were given to the country of crack crack. The Protocol Committee is provided to the government and the county government, and directly supported by the government. Spending money directly from time to time, Chang 'an boss is invincible. Li Bi knew that Hook had been in Chang 'an for a long time, or more than forty years, and he had a wife, bought a farm house, improved his quality, made a profit and didn't want to return to China. He was ordered to stop giving them to Hook, who owns farmland houses. Anyone who gets 4000 people will stop. Hook complained: "This is never the fault of the Prime Minister. Are there any foreign tribute envoys who have stayed in Beijing for decades and refused to listen? " ! Today, when you leave for Uighur, or you are sent home from Haidao, if you don't want to come back, you should get a position and a salary in Tang Chen. Life should be used when it should be used, how can you die for life! " [ 1]

Huang Daozhou, a famous scholar in the Ming Dynasty, mentioned four times in the Biography of Yuan Huan: "Going to Yushitai deserves his advice to get angry and help the court aides, that is, to resign." "Just a slap in the face, and then a slap in the face!" "Gong () stayed in Dongjiang for a long time, and he is very familiar with this ugliness and abnormality. He wants to borrow public services. " "On the one hand, I'm a little tired of the agitation, and I moved to suppress the theory in the name of selling wisdom valley.

1. From the behavioral goal, behavior generally serves the public interest, and in class society, it serves the interests of the ruling class.

2. From the field of behavior, behavior mainly occurs in the public domain.

3. From the way of behavior, behavior is generally backed by coercive means (state violence), which is authoritative and coercive to all other social organizations.

4. From the perspective of organizational system, the organization is holistic. It is composed of organs that perform different functions, forming a strict system according to certain principles and procedures, each with its own division of labor, duties and responsibilities. About aspects. That's what I want to explain. I don't know if you are satisfied.

Six functions

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politics

Political function refers to the function of safeguarding people's democracy and maintaining the long-term stability of the country.

It has the functions of defending national independence, protecting citizens' life safety and various legitimate rights and interests, protecting the legitimate property of the state, enterprises and individuals from infringement, safeguarding people's democracy, coordinating contradictions among the people, cracking down on criminals, and maintaining social security and social order.

economy

Economic function refers to the function of managing social and economic life for the development of national economy.

Under the condition of socialist market economy, China has four main economic functions: ① economic adjustment function; ② Public service; ③ Market supervision; ④ Social management.

culture

Cultural function has two functions: on the one hand, it publicizes Marxist scientific theory, guides people to resist the influence of all kinds of mistakes and decadent ideas, and improves the ideological and moral quality and scientific and cultural quality of the whole nation; On the other hand, organize the development of education, science and technology, culture, health, sports and other undertakings, and strive to improve the country's cultural soft power.

service

Social public service function, that is, the function of the state to provide public services and improve social management. This kind of thing is generally public and cannot be completely solved by the market. They should be guided, standardized and managed from the perspective of the whole society.

At present, the main social functions are: ① Regulating social division of labor.