Five Summaries on the Work of the Credit Department in 2020

Credit provides convenience for our life and enables us to spend in advance. As a practitioner in the credit industry, how to do a good job? I think it is necessary to do a good job summary. The following is a five-point summary of the work of the Credit Department for your reference.

Summary of Credit Department's Work in 20 19 Years

In xx branch, I am engaged in the most ordinary work & ampmdash& ampmdash Taylor. Some people may say that ordinary tellers are not professional. No, they can do brilliant work on the counter. Excellence begins with the ordinary, and perfection comes from the earnest. I love this job and regard it as the starting point of my career. As an employee of ABC, especially a frontline employee, I deeply feel the heavy responsibility I shoulder. Counter service is to show &; Times; & era; The good service of the system "civilized window" makes me win the trust of customers with full enthusiasm, dedicated service and sincere service every day.

Yes, at&; Times; & era; Among bank employees, tellers are directly facing customers, and the counter is the window to show the image of ABC. Tellers' daily work may be busy and monotonous. But in the face of all kinds of customers, tellers should be skilled in operation and enthusiastic in service, so that customers can truly realize the & times& amp era; The sincerity of pedestrians is felt in&; Times; & era; The warmth of doing business is extraordinary, and I am proud of my position! To this end, I ask myself to do: first, master excellent business skills and never relax business learning; Second, maintain good professional ethics and abide by national laws and regulations; Third, cultivate harmonious interpersonal relationships and get along well with colleagues; Fourth, know yourself and yourself, win without arrogance, and lose with grace.

Since I joined the work, I have stuck to my post, worked hard, learned business knowledge and asked my experienced colleagues for advice. Only in this way can I really do a good job that can stand the test of time. Little things make me deeply realize that as a frontline employee, he is destined to be ordinary, because he can't block the gun like a frontline soldier, blow up the bunker with full blood, and leave the world a hero's reputation. He can't even sow summer harvest in winter and harvest in summer like a farmer. Some just repeat those boring operations and complicated affairs year after year, such as deposit, withdrawal, entry, collection, distribution, marketing, maintenance and welcoming. In this ordinary post, let me deeply realize that greatness lies in the ordinary, ordinary we can contribute, our enthusiasm, our sincerity and our youth. Ordinary people can also create a beautiful sky. Without foundation, there is no tall building, and without ordinary, there is no greatness! The value of life can only be sublimated and perfected through ordinary dedication.

In the process of serving customers, I always adhere to the principle of "thinking what customers think, meeting their needs and eliminating their worries", and provide customers with all-round, thoughtful, convenient and efficient services, so as to achieve standardized operation, standardized service, polite language and decent manners, leave a good impression on customers and win their trust. When actually handling business, under the premise of ensuring compliance with the rules and regulations of the bank, we should master the marketing methods flexibly, provide certain convenience for customers, and provide personalized and fast services flexibly and moderately.

Perfection comes from seriousness. On the basis of doing a good job in counter service, we will try our best to provide more thoughtful service to customers. Because, there are no picky customers, only imperfect services. In my daily work, I actively and assiduously learn new knowledge and new business, integrate theory with practice, and master various service skills. I start with small things, try my best to handle business quickly, accurately and efficiently, so that customers can wait less, run less and ask less, and provide customers with timely, punctual, timed and anytime services.

Youth is the most precious time in life, because you are full of ambition and vitality, because you dare to do things, because you have too many dreams and hopes, so you are full of vitality! But in my opinion, the preciousness of youth still includes unremitting pursuit and team integration, lofty moral cultivation, strong will, and more importantly, it is necessary to stand up to the ordinary, stand on the ordinary, be indifferent to fame and fortune, and be brave in dedication!

Today, we dedicate our fiery youth to the ordinary &; Times; & era; Behind the line,&; Times; & era; It is in this alternation of youth that lines develop step by step. On her clear annual rings, our youth will also be deeply printed. Franklin famously said, "Push your career, don't let it push you". Today, I am here to promote my career, which stems from my pursuit of the value of life and my enthusiasm for financial career. Because I know, as a growing youth, I want to combine my personal ideals with &; Times; & era; Only by organically combining business development can we give full play to our work enthusiasm, initiative and creativity and create a silver &; Times; & era; Realize your life value in the process of a better tomorrow.

Stars; We keep a happiness, a persistence and a harvest. Keep accounts, settle accounts, issue subpoenas and write account books every day. Although there are no outstanding achievements and earth-shattering undertakings, we are loyal to our duties. We use this dull life and dull work to outline the trajectory of life and harvest the joy of harvest. This information comes from the personal summary of the report summary of Guizhou Xi Network.

During this year, I have always maintained a good working condition and set strict demands on myself by the standards of a qualified cooperative bank employee. Based on my own work, I devote myself to studying business skills, so that I can make a silent contribution to the cooperative banking industry. As front-line employees of savings positions, they should strengthen their business skills, so as to be handy in their work and better provide convenient, fast and accurate services to customers. Taking "customer satisfaction and business development" as the goal, we will do a good job in service and establish a good window image of warm service, so that every customer will be happy and satisfied. As we all know, within the jurisdiction of xx Branch, xx Branch is a busy spot. Every day, the average business volume of each person will reach 100 or more. There are 100 and 200 customers, especially small bills and residual coins, so this working environment forces me to constantly remind myself to be serious and serious in my work and strictly follow the rules and regulations formulated by the head office and branches. I have been asking myself for a year, and with my efforts, I have never had a liability accident in XX years. While doing my job well, I also use my years of accounting experience to help other comrades. If comrades have any questions, I will answer them seriously. When I have questions, I will humbly ask other comrades. When dealing with business skills, I have a requirement in my heart: a threesome must have a teacher, and those who can't learn must learn by all means. If you want to help others in your work, you must improve your professional quality. Savings is the foundation of establishing cooperatives. In XX years, with the care and support of my superiors and the assistance of my colleagues, I worked hard and successfully completed various tasks. Personal deposits in the whole year totaled 6.5438+0.5 million yuan. During the year, I actively participated in the study of political theory and professional knowledge, and I was able to consciously abide by laws and regulations and various rules and regulations of the unit. At the same time, study hard business knowledge and constantly improve work skills. Looking back on my work in the past year, I have a clear conscience. At work, I am loyal to my duties and do my best. Banks belong to the service industry, and my job makes me face many customers every day. To this end, I often remind myself that being kind to others means being kind to myself. In the busy work, I still insist on "smile service" and answer customers' questions patiently and meticulously. When I meet unreasonable customers, I

Looking back on my own problems, I think: First, I didn't study enough. At present, the new economy based on information technology is booming, new situations and new problems are emerging one after another, and new knowledge and new science are constantly coming out. Faced with severe challenges, I lack the sense of urgency and consciousness to study. Theoretical basis, professional knowledge, educational level and working methods can't meet the new requirements. Second, when you are tired from work, you will relax your mind. This is a sign that your political quality is not high, and that your world outlook, outlook on life and values cannot be well solved. In view of the above problems, the future efforts are as follows: First, strengthen theoretical study and further improve their own quality. Change the work style, strive to overcome their negative emotions, improve the quality and efficiency of work, and actively cooperate with leaders and colleagues to do a better job. In the new year, I should strengthen my study, better enrich myself, meet the challenges in the new period with a full mental state, sum up the past, learn from the past experience and lessons, and do a better job in the future. Please criticize and correct the shortcomings and deficiencies in our work.

20 19 summary of the work of the second department of credit

Over the past year, I have conscientiously implemented the principles and policies of the State Council's financial reform, studied the spirit of Comrade Jiang Zemin's "July 1st" important speech and the spirit of the Sixth Plenary Session, guided by Theory of Three Represents, closely focused on the adjustment of agriculture and rural economic structure, adhered to the purpose of serving agriculture, rural areas and farmers, and led employees to carry out various tasks in accordance with the annual task indicators issued by the People's Bank of China and higher-level banks.

1. Be able to seriously study relevant financial laws and regulations, learn relevant business rules and knowledge of credit cooperatives, improve professional 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 the relevant documents from their superiors, strengthen business habits, and strengthen the education of honesty and self-discipline, law education and safety awareness of employees, so that all the work of this agency can be followed by rules and laws.

Second, 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 higher authorities and the actual situation of this organ, so that all work can be mutually restricted and promoted, so as to realize the smooth development of all work and achieve certain benefits.

Three. Work: 1. According to the economic characteristics of this community, we should do a good job in the organization of deposits in time, so that all employees have the task to attract deposits in the first three quarters of this year, and the annual deposit increment ranks first in the region. 3. Do a good job of "clearing mistakes" and collect interest 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.

4. Benefit performance: at the end of the year, the balance of deposits was 1 10,000 yuan, with a net increase of 1 10,000 yuan, accounting for% of the plan; the balance of various loans was 1 10,000 yuan, with an increase of 1 10,000 yuan, with deposits and loans accounting for%, within a reasonable proportion; The balance of non-performing loans was billion yuan, down by billion yuan, accounting for%, down by percentage points; The book value of profit is10,000 yuan, (actually,10,000 yuan)% of the plan is completed.

Disadvantages of verb (abbreviation of verb): my business level and management ability are not high, my business development is slow, my non-performing loans are high, my collection speed is slow, my "secondary" loans are on the rise, and my potential risks are increasing. There are four enterprises whose loans exceed the standard, their capital adequacy ratio is seriously insufficient, and their book loss is 10000 yuan, and their working conditions, preventive facilities, living conditions and working environment have not improved.

Measures to improve intransitive verbs: strengthen business theory study, further improve business level and management ability, increase the intensity of "clearing Africa", especially "two-retention" loans, and strive to firmly support the "three rural" loans, reduce large loans, open up sources and reduce expenditure, improve business efficiency, improve capital adequacy ratio and loan compensation ratio, and reduce and eliminate risks as soon as possible.

Looking back on the work in the past year, I feel that there are still many shortcomings. First, my professional quality has not improved rapidly, and I have not learned enough new business knowledge. Second, there is still a gap between my work and other peers, and my sense of innovation is not strong; Third, I am only satisfied with completing my own tasks, and my work is not bold enough. In the new year, I will work hard to overcome my own shortcomings, study hard, improve my own quality, actively explore, perform my duties and obey the leadership under the leadership of the business department of the Union and the credit cooperatives. Be a good employee assistant, work together with all employees Qi Xin, unite as one, and make due contributions to the improvement of our operating efficiency and the completion of various tasks and objectives in XX.

20 19 summary of the work of the three credit departments

I used to be an ordinary shop assistant under Huangmei post and telecommunications sub-office. I've only been working for six months since I transferred. I have investigated 40 loan customers, and 20 loans have been made successfully, with a loan amount of 930,000 yuan, all of which are normal loans. The hard course of free credit from scratch. I think I have the following experiences;

Facing a brand-new post, I was really a little timid at first. From 65438 to 0993, I worked as a teller in the front line of postal savings, basically waiting for customers to come to my door. The new position needs to go to the customer's home once every three days to learn about the customer's basic situation and business information on the spot, investigate and master the customer's loan purpose and repayment willingness, and analyze the customer's repayment ability. These are really too difficult for me who is not good at communicating with people. In the first month, I have been thinking, what should I do if I can't get the money out? Sometimes I quit my job and think it's better to continue to do my old job.

After learning about the general mentality of loan officers, the leaders of branches talked to everyone in time to emancipate their minds and put down their burdens, saying, "Don't deny yourself easily before you do it, and you will definitely like the post of credit gradually." The patient guidance of the leaders and the description of the development prospects have made everyone gradually emboldened in their work. The ideological worries were eliminated and the whole team began to have vitality. Like everyone else, I was greatly encouraged and made up my mind to learn from scratch.

Through professional training and self-study, I gradually mastered the microfinance business and operation process.

Through the vigorous publicity in the early stage of the sub-branch, some customers in need began to come to consult one after another, and I also welcomed the first loan customer. That day, with mixed feelings, another colleague and I took the bus for an hour and a half to xx village. This customer is a farmer, with more than ten years of breeding history, and knows the market very well. At the customer's home, after I introduced myself, I began to ask questions item by item according to the investigation order required during training. Because it is the first time to have a "marketing" communication with a customer and I don't know enough about xx industry, I feel very nervous. After asking for less than 20 minutes, the customer suddenly said, "I don't want to borrow money. Just go, just borrow some money from your post office, just like interrogating prisoners." As soon as I saw it, I explained it quickly, but the farmer just didn't cooperate. Helpless, my colleagues and I were disappointed, and the first marketing "abortion".

On the way back, I recalled the scene over and over again and asked my colleagues how they felt. After analysis, I found the answer: the problem is not the customer, but I can't communicate with the customer at all, and I don't understand the needs and difficulties of the other party, which has caused an embarrassing situation.

Ask yourself, if you are always so bad at communicating with customers, who will dare to come to me for a loan in the future? No, you must change it and practice from the beginning! From then on, after work every day, I went to the streets with my colleagues to publicize, chat with small businesses and practice introducing loan business; After work, I also visit relatives and friends, introduce the micro-credit of postal savings, and take it as the practice object. Where there is a will, there is a way. Now I feel that my communication skills have been greatly improved. Strive to get out of the road of harvest

How to integrate postal savings micro-loans into the local economy has become an important breakthrough in the credit work of sub-branches. Our survey shows that:

Developing the credit village will be the focus of the sub-branch to develop customers in the future, and it is its primary task to deeply understand and master the management situation and laws of farmers and understand the industry as soon as possible. Find several farmers through relatives and get to know the situation with colleagues on the spot. After a long time, I gradually got used to this kind of work.

Although my work performance for half a year is not ideal, I deeply feel that my work cannot be separated from the care and support of the leaders and the credit department team. At the same time, I would like to thank my family who have been supporting my work in obscurity. I will strive to be a qualified loan officer of the Postal Savings Bank with the professionalism of "caring for everyone".

Summary of Credit Department's Work in 20 19 Years IV

It is not easy to be an excellent loan officer, but it is not impossible. It depends on whether you do it or not. How? After nearly 30 years of ups and downs in rural credit cooperatives, from the initial loan officer to the director of credit cooperatives at the moment, we have witnessed the bitterness and difficulty of the majority of loan officers coming and going in the rain. On how to be a qualified, competent, excellent and caring loan officer for agriculture, countryside and farmers, I visited the loan officers and backstage staff, the majority of loan households and the families of credit cooperatives in my area. Through detailed communication with them, I have carefully combed and summarized. I think an excellent loan officer should achieve "three tens", that is, keep in mind the ten commandments, set the ten customs and do ten things well.

First, keep in mind the Ten Commandments and enhance the awareness of obeying the law.

There is a saying in the San Zi Jing, "If the son doesn't teach, the father is wrong; It's mother's fault that women don't teach. "So, as a unit of our credit union, should we understand this: employees don't teach, leaders make mistakes, employees make mistakes, and management is wrong? In recent years, we have put forward a series of management system methods, but the phenomenon of system scaffolding is very serious, which leads to the deviation of our grass-roots credit personnel's understanding, implementation and implementation of the system, so that people sometimes feel at a loss, blindly engage in work, grope for work, and artificially appear some phenomena of inadequate management. What's more, they violate the law, violate the rules and make mistakes without knowing where they are wrong. Moreover, the system failed to investigate and deal with some violations of discipline, conniving at them, making them unruly, deaf and bent on their own way, damaging the reputation of credit cooperatives and causing setbacks and economic losses to themselves. To be a loan officer is to know what to do and what not to do, as long as we have a system "high-voltage line" in our hearts; As long as we regard the system as sacred; As long as we keep clean and spotless; As long as the interests of the masses are kept in mind and the "Ten Commandments" are kept in mind, the credit work can be done well. New signature

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, do not follow private affairs, and operate well and manage well. 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. If you don't study hard and improve, you can't adapt to the credit work under the new situation. Then, today's more and more exciting games, let's use the standard of "survival of the fittest" to judge fairly.

Second, don't brag and make wishes blindly. Our credit officers have their own operating rules, their own scope of work, clients and loan authority, and they should strictly carry out their work within their respective functions and powers, and they are their own clients, so they should support them wholeheartedly; 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 report it attentively. Never make a blind wish, nod your head and pat your chest, go beyond the examination and approval organization of the credit union, and cause passive prestige loss to yourself and losses to the lender. Such as: blindly evaluating the transfer of real estate, blindly signing loan agreements, blindly handling notarization procedures, blindly handling mortgage procedures, etc.

Five commandments of short-term behavior, light and heavy broadcasting. In recent years, we have carried out the reform of the wage system and implemented a performance-based wage system with a salary of 10,000 yuan, which has played a due role in mobilizing the enthusiasm of employees, accelerating the development of credit cooperatives and increasing 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 stick to it, refrain from short-term behavior, make personal achievements, blindly enlarge the number of large households, and bring potential risks to credit funds. At the same time, we will further improve the assessment mechanism, organically combine responsibilities and rights to ensure that we can release and collect, and implement the "four-fixed and four-package" responsibility system we put forward, that is, determine the service area, service object and loan authority.

Summary of Credit Department's Work in 20 19 Years V

20** Annual Work Summary Good afternoon, leaders and colleagues:

The hectic 20** years have passed. For this past year, everyone's mood is different. Some people are satisfied, others are sorry, both gratified and hesitant. For me, this year is an important turning point in my career and will be a milestone in my future.

Since I joined China Bank, according to the arrangement of the bank, I have worked as a counter in a grass-roots network for one year. The work of ordinary tellers is dull and busy. From the beginning, it was not suitable for the later calm. There is no amazing achievement in this process, but it makes me understand the difficulty of work and the responsibility that an employee should shoulder in this process.

Since September this year, I have been fortunate to work in the business department of the branch company and joined the excellent working team of our marketing team 5. At that moment, the whole person was excited and full of freshness. It is undoubtedly a kind of luck to be able to engage in the core business of the bank. But I also understand that as interns in the new department, our main job is to study. So at the initial moment, guidance materials, relevant documents and past business files became my closest "comrades-in-arms". With the help of excellent account managers, I gradually got a brand-new understanding of the bank's corporate business, made clear the idea of continuing my studies, and made further plans for my future work, that is, to lay a solid foundation, start from bit by bit, accumulate and enrich myself constantly, and be an excellent employee.

10 At the beginning of June, according to the arrangement of the bank, I participated in the "Knowledge Competition on New Loan Rules" organized by the Banking Association.

During the training, I mainly studied the "three methods, one guide" and related documents, and combined with my previous internship in the department, I got a systematic understanding of the relevant situation of the loan business, and some previously incomprehensible operating procedures also had reasonable explanations. Although the final result of the competition was not ideal, it was of great benefit to my future internship and deepened my understanding of credit work.

With theoretical knowledge, I will put it into practice. In the past two months, under the guidance of all the old employees, I gradually became familiar with the related products of the company's business and mastered the basic operation process of the company's credit business.

And the actual operation of the company's short-term loans, bank acceptance bills, quota application, segmentation, enterprise capital flow monitoring, post-loan file management and so on. Recently, I wrote a report on the annual review, increase and guarantee changes of the total amount of credit, and visited customers under the leadership of several old customer managers to learn marketing and customer maintenance. All these are new challenges for me. I know that the core of a bank is profit, and the first job of an account manager is marketing.

Rich business knowledge and products are all kinds of "weapons" in our marketing. Dealing with customers in different industries, the more weapons we have, the better we can cater to customers' psychology and meet their needs. All this requires me to learn modestly for a long time, accumulate experience through continuous practice, improve myself, grow into a qualified account manager at an early date, and contribute my meager strength to the development of China Bank.

Now more than half a year has passed since my internship, and I have made many business mistakes in my study in the past four months. But I am very grateful to our enthusiastic and United masses. It was the long-term patient guidance and help of leaders and colleagues that made me get rid of misunderstanding, correct my mistakes and finally make progress. I would like to express my deep gratitude here.

Although I have made some achievements, I also know that lack of practical and business experience is my achilles heel. I still can't relax in my future work. I will seize every opportunity to enrich and broaden my business knowledge, accumulate more successful marketing experience and contribute myself to this glorious public as soon as possible.

As the new year begins, the competition we will face will be more intense. At this moment, only by making greater efforts to improve their professional quality can we gain a foothold and make progress in this challenging industry. I will deal with the difficulties and hardships in my work with full enthusiasm and heart. I firmly believe that in the new year, with the joint efforts of all of us, our great people will certainly achieve more brilliant results.