What Is Loan Officer Training?

The bank loan officer can be said to be a "polygraph" provided by the bank to test whether the information provided by the lender is true or false. It is mainly responsible for investigating the strength and potential of loan companies and loan individuals, and providing them with policy advice on loans. Good judgment and sharp observation, good listening, affinity and communication skills. ^[1]

Bank loan officer

The bank loan officer can say that the information provided by the bank's test lender is true and false "

The bank loan officer can say that the information provided by the bank's test lender is true and false "

Announce types, terms, interest rates and conditions of operating loans, and provide consulting services;

Guide the filling of loan application forms to help with loan applications and other businesses;

Assist relevant personnel and departments to assess the credit rating of the borrower;

Investigate factors such as the legitimacy of the borrower, verify the conditions of the collateral, pledge, and guarantor, and determine the risk of the loan;

Reply to loan applications, sign loans, guarantee contracts or go through notarization procedures;

Disburse loans, track investigations, and check borrowers' implementation of contracts and operations;

Send notice of repayment of principal and interest to urge the borrower to repay the loan; send notice of collection to collect the principal and interest of overdue loans;

Collect relevant information and assist relevant departments in prosecuting borrowers who have not fulfilled the repayment of principal and interest;

Establish and improve loan quality preservation systems, classify, register, evaluate, collect bad loans, and write off bad debts in a timely manner;

Assistance in the acceptance, discounting and rediscounting of commercial bills of exchange. ^[1]

Education and training: College degree or above in finance, economics or related majors; need to study courses in finance, economics, marketing, management, banking, etc.

Work experience: More than 2 years of working experience in bank credit and other related businesses; need to have good listening, communication skills and affinity. ^[1]

The income is calculated based on performance. Generally, the basic monthly salary is about 2,000 yuan. Different types of banks have different assessment systems, and the income of loan officers varies greatly. Generally, the average monthly deposit is 10 million, and the annual income is about 70,000. If the average monthly deposit exceeds 30 million, the annual income is basically guaranteed to be more than 100,000. ^[1]

Under the modern economic model, the loan officer plays an increasingly important bridge role, and is the link between commercial institutions such as enterprises and banks. Loan officers assist them in applying for loans by finding potential customers. At the same time, the loan officer must collect specific information about individuals and businesses, analyze the creditworthiness of borrowers and the ability to repay loans, so as to ensure reliable decision-making. The loan officer also provides guidance to customers who have difficulty with traditional loan credit requirements, including: providing the best type of loan for specific customers, explaining their specific requirements and constraints. There is a shortage of high-level talents for modern loan officers, especially those with good qualities. The employment prospects are considerable and the benefits are quite good. Loan officers can accumulate certain experience to

The performance of bank loan officers is reflected by statistical indicators, and the setting of statistical indicators must be subject to the special regularity of credit work. In my opinion, the establishment of a statistical index system for evaluating the performance of loan officers should follow the following six principles: First, the principle of objectivity. The set evaluation indicators can truly reflect the realistic characteristics of the loan officer's work efficiency, work quality and work efficiency. The second is the principle of completeness. From a holistic perspective, it reflects the performance level of loan officers from multiple angles and in all directions. The evaluation index system must become a system in space, including all major aspects of loan officer performance; as an organic whole in time, it must not only reflect the status of loan officer performance from different perspectives, but also reflect the dynamic changes of the system Performance of loan officers. The third is the principle of classification. The position of loan officer is divided into three levels: pre-lending investigation, lending review and post-lending management. The responsibilities and tasks of the loan officer vary greatly in nature. Starting from the level and difference, set performance evaluation index systems for three levels of post loan officers. The fourth is the principle of quantification. Should have a clear hierarchical structure, combining qualitative analysis with quantitative analysis and focusing on quantitative analysis, from qualitative to quantitative, from local to overall, combining and focusing on quantitative analysis, from qualitative to quantitative, from local to overall, from Complicated to concise, based on scientific analysis and quantitative calculation, an intuitive conclusion is finally formed on the performance of the loan officer. The fifth is the principle of comparability. The evaluation index should be convenient for both vertical comparison and horizontal comparison; it should be used for time-series comparison analysis and comparison analysis for loan officers in similar positions. Six is the principle of feasibility. The performance evaluation index system of loan officers should be simple and clear. The required quantitative analysis data and qualitative analysis data can be obtained in a timely, complete and accurate manner, and comprehensive measurement evaluation should be simple and easy. Based on the above-mentioned principle of setting up a comprehensive performance evaluation system for loan officers, the performance evaluation index system is designed according to three types of job types: credit marketer, credit examiner, and credit administrator.