2014 Bank Account Manager Summary

Bank Account Manager Summary

In November 2019, I transferred to the branch office as an account manager. In the nearly 12 months of work in the branch office, I worked diligently, focused on innovation, and while my business standards have been continuously improved, I have made great progress in ideology. I will now summarize my situation as a client manager during my work as follows:

On November 21, 2019, I was transferred to the position of Account Manager. I was familiar with the new working environment in a short period of time under the guidance of the branch office and colleagues. In my work, I can seriously study various financial laws and regulations, actively participate in various learning activities organized by the industry, and constantly improve my theoretical quality and business skills. Through this all-round training and study, I am deeply aware of the importance of my position and the urgency of business development. In the work, I combine the theoretical knowledge I have learned with the practical problems encountered by the clients, and dare to explore new theories, new problems, and creative work.

When I arrive at a new position, my work experience, marketing skills and other account managers have a certain gap. And when it comes to a new working environment, it is relatively unfamiliar to the private and public customers who have frequent business dealings with the branch office. In addition, most of the stock customers of the branch office have been divided into other account managers. To start a job, you must first increase the customer base. After taking up my new position, I have always been "diligent, diligent, and diligent" to win customer support for my branch office and increase my customer base. In a relatively short period of time, through the professionalism of my own quality service and financial management knowledge, I successfully sold the high-quality customers of the branch office and improved the contribution and loyalty of the customers to the bank.

Since I became an account manager, I have deeply experienced and felt the mission and responsibility of this position. The account manager is a business card of our bank's service to the public. It is the hub of the customer's contact with the bank. The communicative manner and manners shown in the interaction with the customer represent the image of our bank. I know that the account manager's words and deeds will be the focus of the customer in the first time, so the requirements for their comprehensive quality must be quite high. From my first day to the new post, from the beginning of the incompatibility to the present can be well integrated into this work, the mentality has also undergone a great change. At the beginning, I felt that the account manager was very tired and annoying, and the responsibility was relatively large. But slowly, I became mature and I began to understand that this is work. Daily maintenance of different customers, enthusiasm and patiently answering questions for customers is my job. It is my job to quickly handle all the procedures of the loan and protect the customer's assets. When I clear the purpose After working goals and priorities, work for me has become clear and clear. When the customer sits in front of me, I am no longer guilty or nervous, I can already face it with a very relaxed gesture and a friendly smile. Nowadays, the questions and doubts raised by the customers can quickly and clearly convey the information they want to know, and they can communicate well with most of the customers and achieve good results, which has won the customers' general work for me. Identity. At the same time, in the contact with different customers, my own communication skills and marketing skills have been greatly improved.

While I was working, I also found that I still had a lot of problems:

First, financial expertise needs to be further strengthened. Faced with the diversity of today's market economy, bank credit business has become the demand of more and more customers. How can we provide professional loans and financial services to our clients? This requires improving our learning ability and learning initiative. The latest financial information and accurate analysis of future economic trends to improve the level of financial expertise;

Second, for different customers, it should also be strengthened in terms of meticulous and precise management. Excavate the existing customer resources, and make precise marketing according to the needs and actual conditions of different customers, and increase the income of the branch;

Third, further overcome youthful temperament, be down-to-earth, improve work initiative, not afraid to do more things, not afraid to do small things, improve and improve themselves in the practice of bit by bit, must not be complacent and arrogant because of a small achievement, but to maintain A clear mind, advancing with the times, creating greater glory;

Due to the particularity of the banking industry and a certain degree of professionalism, to become an excellent employee of the banking industry, it is necessary to undergo systematic training and rich practice. I hope that in 2019, I will be able to obtain more training opportunities, and I hope to participate in financial professional training such as AFP training, so that my comprehensive quality can be comprehensively improved. Consolidate your business foundation, work harder in a higher and farther direction, and summarize the personal work of bank account managers.

To sum up the past is to learn from experience and improve the shortcomings. Looking forward to the coming year, I will be more confident, harder, more proactive, and strive to do a good job in the future, in order to make greater contributions to the development of the Bank's loan line in the coming year.

Bank Account Manager Summary

With the formation of the diversified competition pattern of the banking system and the improvement of the function of the capital market, the competition for quality customers has become the focus of competition in the industry. At the same time, the increasingly diversified, integrated and personalized customer needs have created opportunities for the banking industry. Another challenge was raised. To cope with fierce competition, to provide customers with a higher level, all-round service, and to improve their own efficiency, it is necessary to establish a marketing team with a quick response, high comprehensive quality and strong sense of service---the customer manager team. But whether the members of the account manager team have strong business ability and service awareness, and whether they really understand the job responsibilities of the account manager, I think it needs further discussion. Here I only learn how to do it from my own learning. A qualified account manager, talk about a personal idea:

First, the account manager must have the proper quality

The account manager is not only the representative of the relationship between the bank and the customer, but also the representative of the bank's external business. It not only needs to fully understand the customer's needs and market products and services to them, but also coordinate and organize all relevant departments and institutions of the whole bank to provide customers with all-round services. Financial services, which requires a good professional ethics and comprehensive ability. In the work, we always establish the customer's first thought, treat the customer's affairs as our own business, think what the customer thinks, and urgency.

1. Have a high sense of responsibility, good professional ethics and strong professionalism. Have a strong sense of responsibility and dedication, and meet the customer's services or requirements while taking into account the interests of the bank. Strictly keep the secrets of banks and customers.

2. Should have high business quality and policy standards. Familiar with and understand financial policies, legal knowledge, and financial products. Through on-the-job training, rotation training, and internal training, we will continue to enhance business ethics to meet the needs of business development.

3, be smart and sensitive, good at analyzing and discovering problems. Have certain marketing skills and analysis and planning skills.

4, enthusiasm, cheerful, have a strong ability to tackle and coordinate. Good at expressing their own opinions and opinions, maintaining a good working relationship with the bank management and business layer, and strong teamwork spirit.

5, strong tolerance, with the courage to overcome difficulties. Can do a lot of hard work, go thousands of households.

Second, the account manager should be good at grasping market information and timely meeting customer needs.

As a client manager, we must have a clear mind, a sensitive sense of smell, timely capture various economic information, and constantly analyze, research, timely find problems, feedback information, and promote the healthy development of banking business. It is necessary to pay attention to the research and development market, understand the national industry, industry, product policies, local government economic development dynamics through network and media, analyze the customer's marketing environment, and investigate customers and understand customers under the premise of grasping the objective environment. The law of fund operation, timely determine the marketing plan, and consolidate the bank's financial strength. Keep abreast of the business transactions between various commercial banks and their customers, and at the same time, adhere to the customer-centered, clear customer status and development plan, the number of customers in our business, quality, revenue, potential, demand In other cases, target customers and establish a good relationship.

Third, the account manager should do a good job in customer marketing and customer maintenance

As the “ambassador” who is the plenipotentiary bank to contact the customer, the account manager should actively and frequently keep in touch with the customer, discover the customer's needs, guide the customer's needs, and provide timely satisfaction to provide customers with “one-stop” service. For existing customers, account managers should maintain regular contact with them, while potential customers should actively develop. The purpose of development is mainly to market products and strive to achieve "win-win". According to the bank's operating principles, business plans and job requirements for account managers, through the in-depth study of the market, put forward their marketing direction, work goals and work plans. First of all, we must calculate the input and output accounts of the Bank in line with the principle of “win-win for banks and enterprises”. We also calculate the best financial products for our clients, and design the most suitable financial product portfolio for our customers. Secondly, we will segment customers and establish target markets and potential customers. , to analyze and evaluate all aspects of customers. Keep in touch with customers and mobilize customers' resources, use effective communication methods and communication strategies to maintain relationships with customers, and conduct fruitful visits and observations to customers. Third, in dealing with customers, account managers must actively promote banking products. Be good at discovering the business needs of customers, and proactively recommend and recommend suitable products to customers. If there is a need to report to the relevant departments in a timely manner, actively explore the possibility of developing special products for them. Fourth, strengthen risk management and effectively monitor and control customer risks. Pay close attention to the changes in the production, operation and management of all aspects of the customer and the flow of large amounts of funds. Regardless of any problems, it is necessary to consider the relationship with asset security and take timely measures. Establish and improve customer files and monitoring accounts in accordance with regulations, timely and analyze data, and timely monitor customer quotas; and conscientiously do post-loan inspections and daily inspections, timely collect loan interest and principal; actively participate in enterprise management when necessary, assist enterprises Do a good job in production management and financial management, and minimize financial losses.

4. Account managers should continually focus on financial innovation, increase quality services, and strive to achieve "win-win"

Thinking determines action and action determines outcome. Account managers must have a strong sense of pioneering and innovation, mainly reflected in the development of the customer market and the development of financial product marketing. Quality service is reflected in the new customer service concept, comprehensive customer service content and modern service means. In order to make the simple and boring service work rich and colorful, it truly reflects the concept of customer first. In the process of contacting the customer, the account manager must keep in mind the development idea that “the customer's needs are the work of the account manager”, be brave in innovation, creatively carry out the work, and use the sincere heart to inject brotherhood and friends into the work. For the customer to think, know the customer's shackles, slap the customer's worries, do the customer's needs, and love the customer's heart. Use the feelings to accommodate customers, carefully understand customers, use love to touch customers, and develop customers with quality services.

For different customers, we adopt different working methods and strive to provide customers with the best financial services. When the customer receives the flowers from us on the birthday, they will be touched by the surprise; if the customer receives the newsletter from us when they are troubled, they will definitely throw the unhappiness temporarily behind them. A little gratitude; and when the customer unfortunately lies in the hospital bed, it is even more moved by the fact that after we are busy, running upstairs and downstairs... Although things are very common and simple, they will definitely win the support of customers. Understand and promote each other's feelings.

I believe that to be a qualified account manager, we should take risk prevention as the center, always carry out the concept of creating our own brand with the customer as the center, and cultivate our loyal customers, establish the image of the quota society, and make the amount of social security. Self-branding, which ultimately maximizes our profits.

Bank Account Manager Summary

2019 has passed. Under the care of the leaders of the branch, I have achieved a certain amount of work through my hard work and the help of my colleagues. The banking knowledge has also made great progress, and my personal marketing ability has also been greatly improved. improve.

First of all, in terms of work performance, under the leadership of the sub-branch, I worked hard to market my customers and successfully hosted the first credit business since the transformation of Haizhu Branch. By the end of 2019, the total credit line was 550 million yuan, driving more than 8,000 corporate deposits. Ten thousand yuan, to achieve] program - Fan Wen's library. Finishing. Interest income of more than 1.6 million yuan, to achieve] program - Fan Wen 'li. finishing. Intermediate business income of 295,500 yuan. The personal management company XX successfully declared as a key customer at the head office level, and is assisting the branch leaders to actively market a group of XX downstream enterprises. In the small business marketing, it also successfully marketed a XX company, using cross-marketing to achieve the [plan-Pan Wen' library. Finishing. At the end of the year, new private deposits of 1.6 million yuan. In terms of assessing the small indicators of public account managers, my scores ranked in the top 5 of the entire branch.

Secondly, by learning from leaders, learning from product managers, and learning from books, I have a comprehensive grasp of the credit business knowledge of the Bank. When I first transferred my company account manager a year ago, I knew little about the company's business and credit products. After one year of study, I basically mastered the elements of most of China Everbright Bank's credit products, and can communicate with customers according to their financial situation. Guarantee status and business characteristics, designing reasonable credit plans and specific business products for customers. In addition, while familiar with the business products, I actively studied the credit risk control measures of Everbright Bank. As the only account manager, I participated in the first credit approver examination held by the branch and passed the test. In the compliance essay held by the branch, I wrote the second prize of the head office in the article “Building a Compliance Culture for Commercial Banks”.

Finally, in the process of business marketing, earnestly study, accumulate, and strive to improve personal marketing capabilities. As an account manager, his job is to serve customers well. On the one hand, he should be familiar with his own business products, understand what he can bring to customers, and on the other hand, understand what customers want, especially on the latter hand. The needs of customers can only create conditions to meet. Personal marketing ability's program essay. Library. The improvement of finishing is largely to understand customers and satisfy customers. Therefore, in the process of communicating with customers, I constantly explore the hobbies, interests, and specialties of customers, and strive to talk about topics of interest to customers and solve problems that customers need to solve urgently.

The past year has been a fulfilling year for me and a year of progress. At the same time, the achievement of these personal achievements is inseparable from the care, guidance and spur of the leadership of the branch. Of course, in the past year, I have made mistakes and some shortcomings, especially in terms of maintaining stock customers and tapping customer resources. I have not done enough. This is exactly what I need to work hard in the future.

In the work of 2019, the first step is to strive to maintain the existing credit customers under the current tight credit conditions, use resources, do a good job in customer marketing, and maximize the profitability of credit lines. Secondly, we will firmly grasp the characteristics of Haizhu region, open up professional markets, and do a good job in credit marketing for SMEs, and strive to achieve results. The third is to explore the potential of the stock settlement account, marketing the public deposit, the way is to take advantage of the Bank's wealth management products and strengthen the door-to-door service. The fourth is to vigorously expand the small business settlement households around Haizhu Branch. The fifth is to strengthen cross-marketing and work with private account managers to serve customers in all aspects.

2019 has arrived, I am determined to work harder, study hard, strive to make progress in all aspects, become a good account manager.