Bank loan customer service skills?

1. Bank loan customer service skills?

Hello, I am a credit officer at a certain bank. Sir, do you have any funding needs recently?

1. Business: Its scope is very wide. In a narrow sense, it means only sales. In a broad sense, all the work we do is business. For example, paying taxes at the tax bureau is his business, and teaching as a teacher is his business.

So now we generally don’t call them business managers or sales departments. They are all marketing departments and marketing centers.

2. Sales: Literally means buying things, which is the same as our business in a narrow sense.

3. Marketing: including sales, the key is which "camp" word, including market research, market planning, market models, etc., belongs to advanced sales

Generally speaking, the business is relatively broad, and the sales is relatively simple.

2. As a loan customer service, how to make customers interested in your products

Compare your own company's products with those of other companies to find the advantages and create a set of attractive words< /p>

3. Bank Loan Customer Service Speech

The company will proactively organize this group of employees to conduct speech training and skills training. What you need to do is to use it in every training For snacks, the basic problem will not be big if the lecturer is there. If you want professional training, it doesn’t matter. We can ask our seniors for advice and sort out their techniques for handling customer doubts. Memorize them by heart. If you practice these skills a few times, your phone-calling skills will also improve a lot. of. When I help, I actually come to learn from experience, which is much better.

1. Loan conditions refer to the conditions that borrowers or individuals should meet to borrow money from banks. The bank's current loan conditions are:

(1) A business license issued by the industrial and commercial administration department at or above the county level, and a production license for the national industrial product production license, that is, the loan object must be legal;< /p>

(2) Implement independent economic accounting and have the authority to use funds and produce and operate management, that is, the loan recipient has obtained legal person qualifications and assumes clear economic responsibilities;

(3) Funds, Establish a working capital supplement system, that is, the loan recipients should have the ability to operate normally and bear risks;

(4) Open and submit financial accounting statements and statistical information to the bank, that is, the loan recipients should accept the supervision of the bank.

2. Conditions for applying for a loan to buy a house:

1. Natural persons aged 18-60 years old (Hong Kong, Macao, Taiwan and foreigners are also acceptable).

2. Have a stable career, stable income, and the ability to repay loan principal and interest on schedule.

3. The borrower should be over 70 years old.

4. Have legal and valid contracts, agreements for the purchase, construction, and overhaul of housing as well as other supporting documents required by the loan bank

5. More than 30% of the total price of the purchased housing Self-raised funds (for those who purchase a self-occupied house with a floor area of ??less than 90 square meters, the self-raised funds ratio is 20%) and guaranteed to be used for payment.

6. Assets approved by the lending bank or (and) legal persons, other economic organizations or natural persons with sufficient solvency as guarantees.

4. How do bank loan customer service staff tell customers the terminology of loan expiry?

1. Hello, sir, madam, I’m sorry to disturb you. This is the collection department of XX Bank . 2. The 7th, 15th, 23rd, and 30th of this month are your deduction days. The call is to remind you that your repayment account is (Ebright, Postal Service, Industrial), the last number is XXXX, and the repayment amount for this period is XXXX yuan. 3. Please try to deposit the corresponding amount before the deduction date.