Bank loan officer work summary

Bank credit employee work summary

With the quiet approaching of the end of the year x, I have been on the job for a year. From the beginning, I am not confident in my business skills. Now I can analyze the credit business on my own, and all the things that happen are really beneficial. Looking back on the work of this year, with the care of the bank leaders and the help of all colleagues, I earnestly studied business knowledge and skills, actively performed my duties, timely summarized the shortcomings in the work, and strived to improve the quality of the business and better accomplish it. The personal work tasks have a certain improvement in ideological consciousness, business quality, operational skills, and quality services. The experience and experience of this year are summarized as follows:

First, the question of the channel is clear, so that the active head comes alive.

No matter what profession you are engaged in, you need to continue to learn and get a fresh "source of water" in terms of thought, culture and business. Only in this way can we continue to make progress and keep a clear spring.

In the face of the position of a loan officer, I still have some self-confidence at the beginning. On-the-spot understanding of the customer's basic situation, business information, investigation of the customer's loan use, repayment willingness, analysis of the customer's repayment ability, etc., these are very difficult for me to participate in only a few days of training. At first, I always thought in my heart, if I analyzed the mistakes and put the money out, I wouldn’t be able to do it. So I often called the Ordos head office for advice during the training period. Communicate with them the doubts in your heart, and after careful answers, think about yourself. Learning in practice has given me a new understanding of credit work and increased my confidence.

At the same time, I deeply feel that I am lacking in this aspect. It is not enough to learn from practice. I also need to supplement theoretical knowledge. So I actively use my spare time to strengthen financial management.

Discuss the study of business knowledge and constantly enrich yourself. For the various trainings provided in the line, actively participate in the various learning materials issued in the line can be integrated, learn to use, spare time, look at financial books, refer to successful credit cases.

Through experience accumulation, professional training and self-learning in practice, I gradually mastered the loan business and operational processes. Business work ability, comprehensive analysis ability, coordination ability, and word language expression ability have all been greatly improved.

Second, based on a certain initiative, hard watering credit flowers

I love my job and can take every job seriously and put the country's financial policies flexibly in the work. Conscientiously abide by the rules and regulations, be able to complete the tasks assigned by the leaders in a timely manner, and actively carry out business. Looking back on this year, the hard work of sweat has finally brought in gratifying achievements.

1. Unite and obey, and do our best to improve business efficiency. Over the past year, I have been united with my colleagues, obeying the leadership arrangements, and proactively doing my job.

2. Strengthen awareness and actively promote marketing loans. After slowly getting in touch with credit work, I continued to strengthen my awareness of loan marketing, break the idea of ​​“fear of lending”, seek credit-worthy creditors, and take the initiative to do a good job in the market research of creditors on the premise of ensuring the quality of credit assets. Individual industrial and commercial households with market and creditworthiness provide credit support.

3. Adhere to the credit principle and do a good job in credit investigation. I am fully aware that the quality of credit assets is related to the development of our bank, and the responsibility is heavier than Taishan. In the past year, we have been conscientiously investigating every loan meticulously, from the borrower's main qualifications, credit status, current and prospects of production and operation projects, repayment ability, to the guarantor's qualifications, guarantee ability, and the legality of the pledge. Validity; check from inventory, check of current accounts

Field visits to houses and equipment; from the calculation of assets and liabilities, the analysis of production and sales and profits, to the study of net cash flow from operating projects, the measurement of loan risk, to the reasons for lending and not lending, I am After careful investigation, there is no slack in slack. In the pre-lending investigation, I did “three musts”, that is, the loan conditions must comply with the policy, the loan documents must be legal, the lender and the guarantor must be present to verify the signature, and the same as the acquaintances, guarantee The loan is issued in compliance and legal.

4. Strengthen management and strive to collect various loans. We will promptly receive the loan, investigate the business situation of the customer in the current year, understand the income of the customer x, and ensure the timely recovery of the loan due by the bank.

Third, the road is long and the road is long, I will search for it.

The work of the year has gradually come to an end, and the achievement of some achievements cannot be separated from the strong support of the leaders. I know that I still have a lot of deficiencies. Through a year of hard work and exercise, I have learned a lot of knowledge and the truth of being a person. The road to credit is long and far-reaching, and I will also search for it.

In the new year, I will try to overcome my own deficiencies, study hard, strive to improve my own quality, actively develop, fulfill my duties, and obey the leadership. As a good staff assistant, together with all the staff, unite to improve the operational efficiency of the Bank and make its due contribution to accomplishing the goals and tasks of the coming year.

Bank credit employee work summary

It’s not easy to be a good loan officer, but it’s not impossible, but it’s up to you to go and how to do it? I’ve been from an initial loan officer to a current credit union director. After nearly 30 years of hard work in rural credit cooperatives, I have witnessed the bitterness and difficulty of the majority of credit officers coming from the wind and the rain. On how to be a qualified, competent, excellent, and caring loan officer who is satisfied with the "three rural", I have visited the loan officers and the internal staff, the majority of creditors and the family members of the trustees. The fine communication, after me sorted out in detail, seriously summed up, I think that the excellent loan officer should do "three ten, that is, keep in mind the ten precepts and correct ten relationships and do ten things well.

First, keep in mind the ten precepts and enhance the awareness of obeying the law

There is a saying in the three-character scriptures that "the child does not teach, the father has passed; the woman does not teach, the mother is wrong." Then, as a unit of our credit union, should we understand this: workers do not teach, leaders have passed, employees have made mistakes, and management has been wrong. In recent years, we have proposed a series of management system measures, but the phenomenon of institutional scaffolding is very serious, which has caused our grassroots loan officers to have a bias in understanding, implementing and implementing the system, so that everyone sometimes feels at a loss, do not know what to do, blindly engage I am groping for work, and some artificial management is not in place. What is more, I have committed a law, violated the rules, and made a mistake. I don’t know where it is. In addition, the system has failed to investigate, tolerate and indulge some violations of discipline and discipline, so that it has no rules, no deafness, and doing its own thing, which has damaged the reputation of credit unions and caused them to suffer setbacks and economic losses. To be a loan officer is to know why it is impossible, as long as we have a system in our mind

"Crimping the line"; as long as we regard the system as sacred; as long as we have a clean and unconventional wind; as long as we have a collective interest in our hearts, bearing in mind the "Ten Commandments", we can do a good job in credit.

One ring does not learn without surgery, and the number is full. The credit officers should be high-energy talents who are familiar with the policy, understand the business, have the sense of responsibility, adhere to the principle, do not follow the private affairs, operate well, and manage. The party's principles and policies must be implemented by the specific work of the loan officer. Service work depends on credit services. With the development of society and the changes in the situation, knowledge needs to be updated at any time. Some concepts and skills must be kept up to date. We must not rely on old experience to do things. We must do things with the principle, and we must integrate some scientific decisions into credit work. . How can we not adapt to the credit work under the new situation without serious study and improvement, then today, when competition is increasingly motivated today, it will be judged fairly by the criterion of "survival of the fittest and survival of the fittest".

The second ring is self-proclaimed and blindly wishing. Our credit officers have their own operating procedures, have their own scope of work, service targets and loan permissions. They must strictly carry out their work within their respective functions and powers. They are their own service targets and must actively support them; they are not their own service targets. Decline; it is your own permission quota, take the initiative to handle it in a timely manner, and the super-rights need to be approved to do the basic work, actively report, must not blindly make a wish, nod the chest, go beyond the collective approval organization of the credit cooperatives, and cause passive Losing prestige, causing losses to the creditors. Such as: blindly assessing the transfer of property, blindly signing loan agreements, blindly handling notarization procedures, blindly handling mortgage guarantee procedures, etc.

The short-term behavior of the Five Precepts was replayed. In recent years, we have carried out reforms in the wage system, implemented performance-based compensation, and a 10,000-yuan salary system. This has played a positive role in mobilizing the enthusiasm of employees, accelerating the development of credit unions, and increasing the scale of credit expansion. There is a common idea in the minds of all credit officers, that is, if you want to earn more wages, you will have to pay more interest on loans. If you want to overcharge interest, you will have more money. From our current implementation, most of the loan officers have It is able to adhere to the safety premise and accelerate the flow of funds to achieve benefits. In the future, we must persist in always, failing to talk about heroes in a timely manner, and refrain from short-term behaviors, engage in personal achievements, blindly enlarge large-scale large-scale households, and bring potential risks to credit funds. At the same time, we will further improve the assessment mechanism and blame rights. The organic combination, the guarantee is released, the income is recovered, and the “four-four-four-package” responsibility system proposed by us is implemented, namely: the fixed service area, the fixed service object, the fixed loan license, the fixed management responsibility, and the package investigation and package. Disbursement, package recovery, and package benefits have enabled our credit management work to enter a virtuous cycle.

Summary of bank silver employee work

In the blink of an eye, it has been full for the second year since entering the xx bank. In two years, I said that it is not long, and that short is not short. Time has given me a deeper understanding of xx Bank, and I have improved my business skills through my own learning, leadership and colleagues' education, and I am more qualified for the jobs I have worked on and are doing. In the recent year, as a xx bank employee, I personally experienced the tremendous changes in various aspects of daily work and life that xx bank stocks have changed to us, such as the introduction of concepts such as economic value added and key performance indicators. The management philosophy of the operating department has really changed from the expansion of the weight-only expansion in the past to the improvement of quality, and the resulting significant changes in the division of labor and income distribution. The introduction of various rules and regulations has put forward many clearer and more detailed requirements for our “standardized operation” of xx banks. The work pays attention to detail management and refined management, and has more preventive and disciplinary measures against violations of laws and regulations. In particular, the "special rectification activities of illegal and illegal activities" carried out in the line once again sounded the alarm for us - not only do "good", "fast" but also "legal" and "compliance", not only do the work To understand that "repairing the sheep", it is also important to "prepare for the rain."

At the end of 2004, I signed up and selected the preferred candidate in the industry to be transferred to the xx approval team for compliance review. From the individual loan comprehensive post of the XX Branch Financial Management Center to the regulatory review of the approval portfolio of corporate credit and personal large credit business that has never been contacted before, this span is not too big. But with the education concern of the leaders, the help of my colleagues, and my personal self-study efforts, I quickly passed through the initial incompatibility and quickly integrated into the current role by reading relevant books and interpreting the file regulations. From the beginning of the year ×××××××, I completed the compliance review of the ×× pen company loan and the ×× pen company credit business, totaling the amount ××10,000 yuan; completed the ×× pen company The compliance review of class credit rating, including aa level × × pen, a level × × pen, level × × pen; completion of × × pen personal loan receiving, submitting, issuing decision-making work, total amount × × Ten thousand yuan. The job requirements of this post have been well completed.

The xx area approval group belongs to the in-house examination and approval department, and all of them face the operation department in the line, accepting and accepting various types of credit business submitted by the bank credit operation department. Therefore, setting up an internal customer concept and using the operating department as the customer we serve, providing customers with high quality, efficient and standardized services is the most basic requirement for me as a regulatory reviewer. In my daily business, I always do my best to help the business department work, patiently answer their various questions about the approval, and often communicate with them through various compliant and effective channels to understand the reality of the business department. And issues, report to leaders and special audits in a timely manner, as far as possible to help resolve the contradictions caused by information asymmetry between approval and management, provide a basis for effective decision-making by leaders and special trials, and maximize the benefits of xx banks. The xx approval group is a department with a large daily workload and a busy work. How to improve work efficiency and better fulfill work requirements is a question I often think about. I found in my work that a large amount of working time is consumed in some relatively simple mechanical repetitive labor. For example, in the compliance review work, the calculation of some financial indicators of the reporting unit is relatively simple, but it is necessary to check the multiple units. Multiple financial indicators also cost compliance reviewers considerable time and effort. I have compiled a form by self-study using the formulas and functions in our commonly used execl spreadsheet software. I only need to fill in the relevant data in the company's balance sheet and cash flow statement, and the corresponding annual financial indicators. For example, the asset-liability ratio, the ratio of liquidity, the ratio of quick-moving, the rate of profit, the multiple of the principal and interest, the mortgage rate, and the guarantee rate can be automatically calculated and generated, which greatly facilitates the work and improves the efficiency. I also shared this form with colleagues around me, colleagues in the business department, and strived to work more efficiently. I also shared and shared many related reports within the department, obtained the required data from each other, eliminated a lot of repetitive labor, and made many data more accurate. I optimized some common forms, which is simple and easy to use. The design, input data in the specified location, the computer can automatically generate the corresponding specification page for use. In addition, I have ideas and methods in the details of many workflows, simplifying processes, improving efficiency, and better fulfilling work requirements while complying with relevant rules and regulations. The work of the approval team is a comprehensive and meticulous task that requires an in-depth understanding of the Bank's various businesses. Strengthening the study of all kinds of archives and systems is the most basic requirement for my performance; actively participating in various regular and irregular trainings, regular meetings and learning meetings organized in the industry and in the department is an overall improvement of my professional quality. . I learned a lot of marketing skills and ways of communicating with people in the “Yingxiang Future” account manager training class jointly held by xx Branch and xx Life Insurance Company. I understand the importance of teamwork; At the “xx Bank Advantage Products and Marketing” training class explained by the relevant department leaders and relevant business personnel of the xx branch organization, I have a clear and sufficient understanding of the various credit businesses of xx Bank, and know what should be What are the key recommendations to customers, which are being developed and focused on promotion, and how to deal with them, what are the advantages and disadvantages; in the provincial branch full-time loan approver training class organized by the provincial bank senior loan approvers, I am Some difficulties and blind spots that have always existed in the original work have some new understandings, such as where the enterprise group should pay more attention to it. For a company's financial statements, it should be analyzed and interpreted from many aspects, from some superficial merit or It is the real situation of the company found in the poor performance, reasonable judgment, and the importance and task of recognizing the work and position of the company. Arduousness - we need solid and effective work to be a good "xx bank assets gatekeeper." In addition, whenever there is a new issue in the industry, I also seriously participate in regular meetings and study sessions in the department to learn the spirit of the archives and implement them in the work. In particular, I sometimes asked the relevant departments in the industry to explain the difficult points in the business on site, which is a good time for me to learn. Learning system, understanding the system, doing things under the requirements of the system, mastering all-round knowledge, understanding policy changes, industry risks, can become a qualified professional in the post of the approval team. In addition to doing my job, I acted as a propaganda committee member of the XX Branch System Youth League Committee and participated in many activities organized by the Youth League Committee. It is the direction of my colleagues and other small group editors, "XXXX", who are working hard to recommend the best works of the staff in the industry, especially the youth league members. I organized and collected all kinds of excellent manuscripts, and made appropriate layouts and beautifications of the manuscripts, and put on beautiful illustrations and shadings. Finally, I shared them with you on the website, which was well received by the majority of the members. A large number of excellent works were selected by the provincial branch “××” and were known to the province's xx banking system. The “Standardized Sunshine Service Demonstration” organized by the System Youth League Committee, I actively participated in the preparation of several presentations, and some suggestions and opinions were also approved and adopted by the leaders and colleagues. The times are changing, the environment is changing, and the work of the banks is changing from time to time. Every day, new things appear and new situations occur. This requires me to change with the situation. Learn new knowledge, master new skills, adapt to changes in the surrounding environment, improve your ability to perform your duties, and develop yourself into a full-service xx bank employee to better plan your career and make my goals . Of course, I still have some shortcomings in the handling and operation of some details. I will hone myself in my future work and study, improve myself in the guidance and help of leaders and colleagues, and develop my strengths and make up for the shortcomings.