Bank real estate credit manager advanced deeds material
As the manager of the real estate credit department of the bank branch, since he took office, he has led the staff of the department to strictly implement the laws related to financial credit, abide by the credit management system, and not to be afraid of difficulties and innovation, and to realize the profit of personal housing consumption loans in the year? 10,000 yuan, the annual realization of personal housing consumption loans to win 10,000 yuan, no loan formation bad, bank bank branches personal housing loan business market share reached %, to achieve the best historical period of personal housing credit consumption business since the bank branch CCB.
First, my resume is born in the year, 27 years old, the title of economist, bachelor degree. He participated in bank work and was assigned to the branch savings office. He has served as an accountant, chief accountant, and director; he worked in the credit department of the branch and worked as a loan officer in the branch; he participated in the system conversion work in the year; I served as a working group in June. The leader of the group, responsible for the determination of all non-performing loans under the jurisdiction; the annual transfer of the bank branch savings office; transferred to the branch in June, successively served as deputy manager and manager; in July, I came to the bank branch personal credit business department. As a department manager so far.
Second, the rewards I received because of my excellent work, I have won the title of advanced workers of the branch three times, the title of advanced workers three times. In August of the year, I participated in the first business technology competition in the city, and won the first place in personal omnipotence and banknotes respectively.
Third, lay a good foundation for theoretical knowledge The Bank proposes the business objectives of “listing in Shanghai and Hong Kong in two years” and focuses on the development of personal retail business. The Bank also focused its annual work on personal business, of which personal housing consumption loans are of paramount importance. ? year? On the day of the month of employment, the trust of the leaders made me feel glorious and felt the arduous task of shoulders.
When I took up the post of Yin Shi, I first carefully studied a lot of basic knowledge of the real estate industry, especially in-depth investigation and research on the basic status quo and market trends of urban real estate development, so that I can do my best to facilitate the development of personal housing credit business. Assess the credit risk of each business. Secondly, we will review China's financial laws and regulations, the bank's credit system, and the specific credit business knowledge, so that we can get rid of it and ensure that every job is carried out within the framework of various rules and regulations. At the same time, it is fast and good for customers to handle business and improve work efficiency. The reserve of theoretical knowledge and business capability has laid a solid foundation for the smooth development of the personal housing credit business of the banking district branch.
"A single tree is not a forest, only Yan is not a spring." Individual business elites are unlikely to make the bank's housing credit business fully invigorated. Only every member of the bank's housing credit management department becomes a business expert, and the bank branch housing credit business can only be prosperous. The water starts to grow bigger and stronger. Therefore, once a week, our department's loan officer business knowledge learning has become our department's "Leiwu immobility", although this work was not carried out smoothly at the beginning, many comrades do not understand, but the pressure from the parties has always persisted. As it turns out, such business knowledge learning has received good results. Since I took office, what has been done by my department? In the personal housing credit business, there was no illegal operation, no bad loans occurred; no mistakes occurred in the specific business process; work efficiency was greatly improved, 70% of the individual housing credit business investigation posts, examination posts The processing period has been shortened to 2 days, which is far lower than the “two posts” business cycle standard stipulated by the bank branch. In the past, have you handled it in total? Pen personal housing loan business, the amount involved? Ten thousand yuan, per year? Calculated on a working day, average? One hour for a personal housing loan business. Employees who have had a slap in the face of business learning in our department now often sigh that "the sharpening of the knife does not miss the firewood."
Fourth, the performance of personal housing credit business since the appointment With the gradual improvement of China's market economic system, the competition in the financial market has become increasingly fierce, and there is a sense that "the mountains and rains are coming to the wind." The pressure of the same industry has forced my bank branch personal housing credit business to keep up with the times. How to improve the market share of the bank's personal housing credit business, how to enhance the competitive advantage of the personal housing credit business of our bank branches is the top priority for the bank's personal housing credit business department, and the ultimate standard for testing the performance of our department. Therefore, our department has taken the following series of measures: First, in-depth study of the market, providing customers with new and distinctive service methods to meet market demand according to market trends; second, we must focus on loan marketing, while providing new and distinctive service methods. Give full play to the role of account manager, deeply intervene in the housing transaction market, strengthen loan marketing, so that the loan business allows more consumers to understand and ultimately accept; thirdly, provide combined business in the process of housing loan business, and issue mortgage loans In the process, it is necessary to pay attention to tapping other credit potentials of key consumers, thereby providing a variety of combined credit services, which not only expands the business field, but also effectively reduces the risk of the home loan business.
First, my resume is born in the year, 27 years old, the title of economist, bachelor degree. He participated in bank work and was assigned to the branch savings office. He has served as an accountant, chief accountant, and director; he worked in the credit department of the branch and worked as a loan officer in the branch; he participated in the system conversion work in the year; I served as a working group in June. The leader of the group, responsible for the determination of all non-performing loans under the jurisdiction; the annual transfer of the bank branch savings office; transferred to the branch in June, successively served as deputy manager and manager; in July, I came to the bank branch personal credit business department. As a department manager so far.
Second, the rewards I received because of my excellent work, I have won the title of advanced workers of the branch three times, the title of advanced workers three times. In August of the year, I participated in the first business technology competition in the city, and won the first place in personal omnipotence and banknotes respectively.
Third, lay a good foundation for theoretical knowledge The Bank proposes the business objectives of “listing in Shanghai and Hong Kong in two years” and focuses on the development of personal retail business. The Bank also focused its annual work on personal business, of which personal housing consumption loans are of paramount importance. ? year? On the day of the month of employment, the trust of the leaders made me feel glorious and felt the arduous task of shoulders.
When I took up the post of Yin Shi, I first carefully studied a lot of basic knowledge of the real estate industry, especially in-depth investigation and research on the basic status quo and market trends of urban real estate development, so that I can do my best to facilitate the development of personal housing credit business. Assess the credit risk of each business. Secondly, we will review China's financial laws and regulations, the bank's credit system, and the specific credit business knowledge, so that we can get rid of it and ensure that every job is carried out within the framework of various rules and regulations. At the same time, it is fast and good for customers to handle business and improve work efficiency. The reserve of theoretical knowledge and business capability has laid a solid foundation for the smooth development of the personal housing credit business of the banking district branch.
"A single tree is not a forest, only Yan is not a spring." Individual business elites are unlikely to make the bank's housing credit business fully invigorated. Only every member of the bank's housing credit management department becomes a business expert, and the bank branch housing credit business can only be prosperous. The water starts to grow bigger and stronger. Therefore, once a week, our department's loan officer business knowledge learning has become our department's "Leiwu immobility", although this work was not carried out smoothly at the beginning, many comrades do not understand, but the pressure from the parties has always persisted. As it turns out, such business knowledge learning has received good results. Since I took office, what has been done by my department? In the personal housing credit business, there was no illegal operation, no bad loans occurred; no mistakes occurred in the specific business process; work efficiency was greatly improved, 70% of the individual housing credit business investigation posts, examination posts The processing period has been shortened to 2 days, which is far lower than the “two posts” business cycle standard stipulated by the bank branch. In the past, have you handled it in total? Pen personal housing loan business, the amount involved? Ten thousand yuan, per year? Calculated on a working day, average? One hour for a personal housing loan business. Employees who have had a slap in the face of business learning in our department now often sigh that "the sharpening of the knife does not miss the firewood."
Fourth, the performance of personal housing credit business since the appointment With the gradual improvement of China's market economic system, the competition in the financial market has become increasingly fierce, and there is a sense that "the mountains and rains are coming to the wind." The pressure of the same industry has forced my bank branch personal housing credit business to keep up with the times. How to improve the market share of the bank's personal housing credit business, how to enhance the competitive advantage of the personal housing credit business of our bank branches is the top priority for the bank's personal housing credit business department, and the ultimate standard for testing the performance of our department. Therefore, our department has taken the following series of measures: First, in-depth study of the market, providing customers with new and distinctive service methods to meet market demand according to market trends; second, we must focus on loan marketing, while providing new and distinctive service methods. Give full play to the role of account manager, deeply intervene in the housing transaction market, strengthen loan marketing, so that the loan business allows more consumers to understand and ultimately accept; thirdly, provide combined business in the process of housing loan business, and issue mortgage loans In the process, it is necessary to pay attention to tapping other credit potentials of key consumers, thereby providing a variety of combined credit services, which not only expands the business field, but also effectively reduces the risk of the home loan business.
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