Annual work summary of bank loan officers 1 It's not easy to be an excellent loan officer, but it's not impossible. It just depends on whether you do it or not. How? From the initial loan officer to the current director of the credit cooperative, it has experienced the ups and downs of the rural credit cooperative for nearly 30 years, and witnessed the bitterness and difficulty of the majority of loan officers coming and going in the rain. How to be a qualified, competent and excellent person?
If you learn nothing, you will make up for it. Credit personnel should be high-energy talents who are familiar with policies, understand business, have a sense of responsibility, adhere to principles, and be good at management and management. The party's principles and policies should be implemented by the specific work of credit personnel, and the convenience and benefit of credit cooperatives should be implemented by credit services. With the development of society and the change of situation, knowledge needs to be updated at any time, and some concepts and skills should also keep pace with the times. You can't rely on old experience, you should talk about things, and you should integrate some scientific decisions into credit work. How can we not adapt to the credit work under the new situation without studying hard and improving?
Second, don't brag and make wishes blindly. Our credit officers have their own operating rules, their own work scope, clients and loan authority, and should strictly carry out their work within their respective functions and powers, and they are their own clients, and we should actively support them; Not your own service object, politely decline; It is within the scope of your own authority, so you should take the initiative to deal with it in time. If approval is required beyond the authority, it is necessary to do a good job in basic work and actively report it. Never make a blind wish, nod your head and pat your chest, go beyond the collective examination and approval organization of credit cooperatives, and cause passive prestige loss to yourself and losses to lenders. Such as: blindly evaluating the transfer of real estate, blindly signing loan agreements, blindly handling notarization procedures, blindly handling mortgage procedures, etc.
Three commandments of short-term behavior, replay and light collection. In recent years, we have carried out the reform of the wage system and implemented the performance-based wage system with a salary of 10,000 yuan, which has played a positive role in mobilizing the enthusiasm of employees, accelerating the development of credit cooperatives and expanding the scale of credit. All loan officers have an idea in their minds, that is, if they want to earn more wages, they have to charge more interest on loans, and if they want to charge more interest, they have to lend more. Judging from our current implementation, most loan officers can adhere to the premise of safety, speed up the flow of funds and achieve benefits. In the future, we will insist on judging heroes from time to time, refrain from short-term behavior, avoid personal achievements, blindly enlarge the large amount of credit funds, and bring potential risks to credit funds. At the same time, further improve the assessment mechanism, organically combine responsibilities and rights, and ensure that the proposals can be released, recovered and implemented.
How time flies! It will be the end of the year in a blink of an eye. As of today, I have just worked in our bank for xx months. There were joys and sorrows, achievements and mistakes during this period. In our young and United group, I have learned a lot and felt a lot. I think only in our special xx post can I realize what growth is. Xx years will soon pass, and now I'm going to do this year's work.
I. Work Performance Report
From knowing nothing about xx to being able to independently complete a survey, learning step by step and accumulating bit by bit, as of today, the total loan I have issued is xx million yuan, with xx marketing customers and no overdue customers. Although there is still a big gap between this achievement and my leadership assessment and my own requirements, I am glad that I can start from scratch and start from a very basic foundation, which will be a reference for my work next year.
Second, review the work that has been done.
I am honored to be the first batch of xx account managers of our bank. Of course, as the first batch, I have to work harder and harder. The xx training started in xx month made me realize the particularity of xx work. I don't think all bank jobs are in the office. On the contrary, xx account managers shuttle through the streets and high-rise buildings in the city. Xx is not only science but also technology, with rigorous thinking, effective communication and keen judgment. I systematically use a questionnaire to restore the basic situation of customers. With the help of the training teacher, I have basically mastered xx technology and can independently complete the investigation within xxx million yuan. However, if I want to master this technology and become a mature account manager,
It takes three to five years of tempering to be comfortable in this position. After three weeks of training in xx, we returned to xx in the middle of xx and began to investigate the xx market. In the form of customer questionnaire, we have a general understanding of the financing needs and basic situation of individual industrial and commercial households and small enterprises in the streets of xx city, which has laid a certain foundation for the launch and market promotion of our xx products. After the leaflet of xx was printed, we went to the market again. Don't miss every small shop and stall, let our bank's products appear in the market of xx in the fastest time, and the effect is also remarkable. Customers keep coming to our bank to consult and apply for loans. We officially started working in xx, which is when we began to apply theory to practice. At first, we were facing the customers, without considering the relevance of the details. We have a superficial understanding of the characteristics of various industries, weak ability to judge the information provided by customers, and lack of communication with customers. With the patient guidance and help of our training teachers, these conditions have improved now. The investigation slowly began to have ideas and methods suitable for us, and the information was also cross-tested. However, I still have a lot of knowledge to learn and many problems to solve.
Third, the problems existing in the work
In the past xx months, although my work has made some progress, I have clearly seen my own shortcomings. First, study is not enough. In the face of different situations in the industry, it is inevitable that our account managers who are new to the credit industry do not have a comprehensive understanding of the industry and have an inaccurate grasp of customers. I must study more in my future work, not only summing up in my work, but also learning from my colleagues online. Second, customer resources are not enough, and customers are fundamental. Only by improving the quantity and quality of customers can we improve our performance. At present, the customer resources I have are the membership list of xx Trade Association and the downstream list of some loan customers, but these are far from enough. We must dig deep into customer resources and make specific marketing plans according to different industries and markets. The third is to improve their work initiative, be down-to-earth, do more and talk less, improve and improve themselves in practice, improve their working methods, and greatly improve their work efficiency.
Fourth, look forward to 20xx.
Xx will be a new beginning. My goal for my total loan is xx million yuan, and I will increase xx million yuan on the basis of doubling in xx years. I didn't set my goal too high, because I knew that no matter what goal I set, I would make the same effort. I hope I can achieve my goal and surpass my goal, and I can achieve an ideal result next year.
Summary of the annual work of bank loan officers In the past 3 1 year, I have conscientiously implemented the principles and policies of the State Council's financial reform, taken Theory of Three Represents as the study and guidance, closely focused on the adjustment of agricultural and rural economic structure, adhered to the purpose of serving agriculture, countryside and farmers, and led employees to carry out various tasks according to _ _ and the annual task indicators issued by superiors.
First, study hard.
Can seriously study relevant financial laws and regulations, learn relevant business rules and business knowledge, improve business quality, strengthen honesty and self-discipline education, be loyal to their duties, and act according to law. At the same time, regularly organize employees to learn the spirit of relevant documents from superiors, strengthen business habits, and strengthen the education of honesty and self-discipline, legal education and safety awareness for employees, so that all work can be followed by rules and laws.
Second, improve the rules and regulations.
Efforts should be made to improve and perfect various rules and regulations and implement them vigorously. It is necessary to formulate corresponding work standards and business assessment methods in accordance with the provisions of superiors and the actual situation of _ _ _, so that all work can be mutually restricted and promoted, so as to realize the smooth development of all work and achieve certain benefits.
Third, work.
1, according to the economic characteristics of xx area, do a good job in the organization of deposits in a timely manner, so that all employees have tasks and pay attention to deposits. In the first three quarters of this year, the annual growth of deposits ranked first in the region.
2. Do a good job in "liquidation" and interest collection of insurance in time. At the beginning of the year, we did a good job in the overall deployment and general mobilization of "clearing Africa", timely implemented the collection work according to the seasonal income situation, and organized a "100-day clearing Africa" activity in the peak season of shrimp income. The non-performing loans were effectively controlled and the benefits were significantly improved.
Fourth, the performance of benefits.
At the end of the year, the balance of deposits was RMB X million, with a net increase of RMB X million, accounting for x% of the plan; the balance of various loans was RMB X million, with an increase of RMB X million, and deposits and loans accounted for x%, which were controlled within a reasonable proportion; The balance of non-performing loans was X billion yuan, down X billion yuan, accounting for x%, down X percentage points; The book value of profit is X million yuan, (the actual number is X million yuan) is x% of the plan.
Verb (abbreviation of verb) is insufficient.
My business level and management ability are not high, business development is slow, non-performing loans remain high, the speed of collection is slow, secondary loans are on the rise, and the potential risks are increasing. Four enterprises have exceeded the loan limit, the capital adequacy ratio is seriously insufficient, and the book loss is _ million yuan. The office conditions, preventive facilities, living conditions and working environment of employees have not improved.
Improvement measures of intransitive verbs
Strengthen the study of their own business theory, further improve their business level and management ability, increase the intensity of "clean up" loans, especially "two loans", strive to firmly support the "three rural" loans, reduce large loans, increase revenue and reduce expenditure, improve operational efficiency, improve capital adequacy ratio and loan compensation ratio, and reduce and eliminate risks as soon as possible.
Four years have passed since the annual work summary of bank loan officers, and they have been working for two and a half years. As a loan officer of Shahe Sub-branch of Xingtai Bank, I have many feelings. Looking back on my work in 20xx, under the care of the head office and leaders, and with the help of all comrades, I earnestly studied my business knowledge and skills, actively performed my duties, and successfully completed this year's work tasks. My ideological awareness, professional quality, operational skills and quality service have all been improved to some extent. This year's work is summarized as follows:
First, strengthen study and strive to improve business skills.
Over the past year, I have studied credit knowledge seriously, read relevant books, and finally mastered basic financial knowledge and credit business skills through unremitting efforts. I became familiar with the new business process of the Head Office for the first time, handled the first commodity financing loan of Xingtai Bank, and established a good business cooperation relationship with logistics supervision enterprises, which laid a foundation for the Bank to handle commodity financing business in the future.
Because I haven't been in the credit post for a long time, I don't have much credit knowledge. So I actively participated in every relevant training organized by the head office. At the same time, read relevant credit books after work, increase your own "knowledge base", grasp the relevant national industrial policies in time through online consultation, and reduce the credit risk brought by national macro-control.
Second, do a good job seriously.
I love my job, I can treat every task correctly and seriously, I can work actively, I can abide by all the rules and regulations seriously, and I can finish the tasks assigned by the leaders in time.
As the deputy manager of the marketing department, I deeply feel the heavy burden on my shoulders, and a slight negligence may cause credit risk. So I constantly remind myself and constantly enhance my sense of responsibility. I know that the quality of credit assets is related to the business development plan of Xingtai Bank, and the responsibility is more important than Taishan, so we can't be careless at all.
In the pre-loan investigation, I adhered to the loan "three checks" system and the credit management system formulated by the Head Office, and carefully investigated every loan, from the borrower's subject qualification, credit standing, the current situation and prospect of production and operation projects, repayment ability, to the guarantor's qualification and guarantee ability, and the legal effect of collateral; From inventory inspection, current account use inspection to on-site inspection of houses and equipment; From the calculation of assets and liabilities, the analysis of production, sales and profits to the study of net cash flow of operating projects, the determination of loan risks, and the reasons for lending and not lending, I have carefully investigated every link without any slack.
After the loan, the warehouse of the enterprise is inspected irregularly every month, so as to know the product market in time, grasp the purchase price of raw materials and the sales price of finished products, analyze the profits of the enterprise in the current month and the cash inflow and outflow of the branches of the Bank, write investigation reports and report them to the Head Office regularly, which is well received by the post-loan department of the Head Office.
3. Actively complete the tasks assigned by the Head Office.
During the development of the credit rating system, the Head Office actively cooperated with the project team of the Head Office, and completed the tasks assigned by the project team with high quality in advance, which was praised and recognized by the leaders of the Head Office. In the new business developed by the head office, we carefully studied the relevant documents, sorted out the process, and actively discussed with the leaders of the company's business departments to correct the shortcomings of the existing process, which was affirmed by the leaders of the company's business departments.
Looking back on one year's work, I feel that there are still many shortcomings. First, the improvement of professional quality is not fast, and the loan risk control is immature. Second, only to meet their own tasks, work expansion is not bold enough, and management experience is still relatively shallow.
In the new year, I will strive to overcome my own shortcomings, study hard, improve my own quality, actively explore, fulfill my duties, obey the leadership, be a good employee assistant, work together with all employees, improve the operating efficiency of the Bank, and make my due contribution to the completion of various tasks and goals in 20xx.
Summary of five years' work of bank loan officer In Tianjin, xx is an old loan officer. 1980 After graduating from school, he was assigned to Tianjin Hongqi Wool Mill for publicity and staff education and training. 1990 after being transferred from hongqi woolen mill, he worked in the office of former enterprise reform, security department, municipal supervision bureau and life department of Sanmao Art School under the Municipal Women's Federation, in charge of publicity and education, letters and visits, and student management. In February 20xx, she went to Tianjin Women's Entrepreneurship Development Promotion Association and started to engage in micro-loans. At that time, the agency's microfinance work had just started for three weeks, with only two loan officers and one manager. When xx first came, the basic salary was only 600 yuan, and there was no welfare treatment. She and another loan officer are in charge of six districts in downtown Tianjin.
At that time, it was entirely based on the enthusiasm for this work and the determination to leave the UNDP money in the Tianjin Women's Entrepreneurship Development Promotion Association for small loans (with a trial period of three years). In order to let everyone know about microfinance, Li Guo first took a leaflet to the free market to explain it and let it spread widely. Later, someone took the initiative to consult the Women's Entrepreneurship Development Promotion Association about loans. Loan officers have a hard job. In order to ensure the repayment rate of customers, Li Guo has always strictly reviewed and tracked the situation of customers, so as to achieve "four must-visit, four must-visit"-that is, those who are in arrears, depressed, family conflicts, and those who encounter difficulties in business; A temporary dispute with the market (business location) is inevitable, a major disaster at home is inevitable, a divorce between husband and wife is inevitable, and it is inevitable that the business will not go on.
At work, the biggest difficulty encountered by xx is that customers owe more than 20xx yuan. When chasing money, you should take the center director, loan officer, team leader and team members to the customer's home, be polite and have feelings. If there is any difficulty, the team members should pay in advance. For breach of contract, xx has a special method, that is, well-meaning ideological work. She summed up her advantages as follows: she learns psychology well, suits the right medicine for the customer's mentality, and cares about and respects customers. She thinks that more than 90% of the loan customers are still good. Li Guo's clients were all guaranteed by the group 20xx years ago, and the repayment rate was 100%. It was only in 20xx that a case of malicious non-repayment occurred, and they have filed a lawsuit against this person xx.
In order to reduce the risk to the maximum extent, the working rules and systems of loan officers are becoming more and more perfect, and the pre-loan review and training are very strict. Moreover, cross-regional audit was conducted at the first time, and the customer's living conditions and business conditions were well known, and the loan was audited and the operation process was strictly followed. In addition to making loans, loan officers should also help customers find markets, give ideas, solve various difficulties and eliminate problems.
Therefore, loan officers have no fixed working hours at all. Xx concluded that a loan officer must have three hearts-love, compassion and self-motivation, and at the same time, he must be a philanthropist, philosopher and entrepreneur (because a loan officer should teach customers business philosophy and how to manage money). No matter who has problems and difficulties among borrowers, xx can help solve them enthusiastically, actively and painstakingly. For example, in the winter of 20xx, xx, who had just taken a shower after work, received a phone call from Wang Zhidi, a customer, telling her that she had not paid the market management fee and that the management office would close the next day. After learning this, xx rode to the industrial and commercial office with wet hair and cold wind, explained the special situation of the lender and asked for assistance. Her spirit touched the staff of the industrial and commercial office. Not only did they not close the door to Wang Zhiduo, but they also halved the cost. Xx has done many such things.
Sometimes I can't sleep at night when I meet the difficulties of my customers. The phone at home keeps ringing, and my husband is so angry that he wants a divorce. Fortunately, after being calm, he understood and supported xx's work. Li Guo hopes that she can attend some advanced training in financial management and loan risk management. Her ideal is to set up Tianjin World Women's Association and turn microfinance institutions into banks. At that time, not only the poor, but all women should face and encourage themselves to start their own businesses.