There is on the network the name is " my husband is credit member, a dye-in-the-wood big cheater " the network explodes civil, be being told is credit member because husband works, n of wife of break an appointment for many times, be by wife attestation " cheater " , but the story that is shown sympathy to excuse, a lot of small after the friend that write has read this article, run ask a question, credit member a what kind of job be after all? The working duty of the good today member that borrow gentleman to guide everybody to understand credit deep.
Credit member what job content is there?
Bank credit member it is the personnel that points to the identity with usurer to be engaged in welcoming an activity with borrower directly, can saying is the test that the bank expedites what loan just provides information is really false " " of the appearance that measure a lie, basically be in charge of investigating the actual strength of finance company and loan individual and latent capacity, the policy that offers loan respect to its seeks advice.
1, obtain a guest to dispel doubts
Credit member need carries all sorts of channel, be announced to numerous people and publicize its to be in bank orgnaization place to manage the relevant content of loan, include the information such as the sort of loan, deadline, interest rate, condition among them, in order to achieve the goal that oneself win a customer, provide detailed advisory service to the client that has demand, add lives the loan project that the client chooses to suit his.
2, assist application
Credit member need coachs its client fills in correctly loan requisition, help the other demand for service of conduction loan application and client.
3, credit assess
Credit member need assistance concerns personnel and section, undertake assess to the credit grade of borrower.
4, risk evaluation
Credit member a lot of element such as the lawful sex that needs to investigate borrower, verify the condition such as the pawn of usurer, simple thing, guarantor, determine loan risk is spent, the fund that lends for the orgnaization such as the bank can return to still provide certain safeguard normally.
5, application replies
Credit member application of need reply loan, sign loan, assure a contract or deal with notarial formalities.
6, loan extends
Credit member after all sorts of formalities and contract are signed, need extends to borrower loan, the executive condition that tracks contract of borrower of investigation, examination reachs management situation.
7, the announcement that urge a fund
After money extends, credit member the reimbursement time that needs to pay close attention to the orgnaization such as borrower and bank to agree continuously, deliver return to the borrower that is about to need reimbursement requisition of this payment of interest, urge its to still pay borrow or lend money, urge to disobeying the borrower of conventional reimbursement time to send receive requisition, urge receive principal and interest of loan of exceed the time limit.
8, assist lawsuit
Remind to relapsing, the borrower that still cannot recover money, credit member need collects his to concern a material, assistance is sued about the branch did not fulfil the borrower that repay captital with interest.
9, bad debt cancel after verification
Credit member need is built and the loan quality of the orgnaization such as perfect bank conserves system, classification, register, assessment, urge receive bad loan, right cannot the money of hand draw, bad debt of seasonable cancel after verification borrows money.
10, assistance works
In addition, credit member the job such as the accept that still needs to assist a client to handle commercial money order, discount and rediscount.
Look, feel credit member working content still is not little really! It is really such, and the multifarious sex because of working content, the orgnaization such as the bank is right credit member capacity demand also compares Yan Ke.
Credit member what capacity demand is there?
1, business technical ability is counted the first
Powerful professional ability requirement is be the first to be affected absolutely, the member that the orgnaization does credit waits in the bank, professional ability is general, be destined to be able to be found a place for be in the edge that eliminate, in the process of conduction credit business, credit member need has grasped these a few points: It is good that card chooses accurate, content to fill order of appropriate, lot to hold according to careful clarity, text, program reason smoothly.
2, relevant knowledge wants to abound
A qualification, competent credit member, still should have substantial relevant knowledge, such ability win a customer from many sided, provide more detailed and accurate service for the client, those who make sure credit works is successful begin.
3, club of human truck capacity
Be aimed at different situation and association object, have the intuition of acumen and acknowledge, use a variety of human association skill and means neatly, when interacting with the client, body reveals the understanding to the client, care and patience to wait.
4, observation judgement cannot forget
Be good at carefully watch what sb is doing and saying, the bearing of the way one speaks or what he says that can pass a client and human relations in society judge its quality, in put forward to apply for to extend to loan in this short time, requirement credit member the disposition that can hold a client well and truly and bearing.
5, accumulate ecstasy view to resist intensity of pressure
The member that wait for the credit of the orgnaization has a lot of banks greater outstanding achievement pressure, the member that need credit accordingly keeps good with active state of mind, can overcome difficulty and adjust a mood in time, hold enough hope.
6, agile kind thinks brains
Credit member should have certain head, be good at an analysis, ponder over a problem, investigate the work before borrow especially in, face a few enterprises to may color for his interest financial forms for reporting statistics, the cool-headed analysis that should rely on oneself thinks.
See these, the person that just be stepped into a lot of more possibly or wants to step into credit to encircle chatters in understanding, but you think, the salesperson that makes common trade has so much capability to ask, should not say these is in more naked sell " money " person, think so, feel these capacity demands are really excusable suddenly.
The member that do credit actually is done not have so terrible, want the member that had done a credit, still also have a few little skill.
What does the member that do good credit have to connect close skill?
1, strengthen professional knowledge study
No matter how, the study of professional knowledge is a credit member the key that makes essential technique, want to succeed external sale sells the product that gives his to obtain a client to approbate, with respect to all information that must want to understand him product adequately, everything what should make clear Chu Jing is tasted even.
2, establish credit sale consciousness
Always make good sale preparation, mobile phone, calling card, pen is carried, discover the target acts immediately, the important information such as location of camping ground of the name that strives for a handholding client, phone, classics.
3, build happy sale atmosphere
Enjoy the work, the pleasure that enjoys credit him sale to bring and proud, go actively external sale, face a problem actively, let oneself enter a mode of benign successful sale loop, gain sale success finally.
A good credit member the profit that can bring to the orgnaization such as the bank is very tremendous, in trying hard ceaselessly to pay, to credit member oneself, no matter be individual ability or other side,also can produce very big effect surely.
