Credit union loan officer work summary

Summary is a written material that reviews and analyzes the performance of study, work and life during a specific period of time. It can help us straighten out the knowledge structure, highlight key points, break through difficulties, and make Let’s learn to write a summary together. So how to write a new summary? The following is a summary of the work of credit union loan officers that I have collected and compiled. It is for reference only. Let’s take a look. Credit Union Loan Officer Work Summary 1

As the end of 2019 quietly approaches, I have been working for a year. From the beginning, I was not confident in my business skills, to now I can analyze the credit business alone. Everything that happened was really beneficial. Looking back on this year's work, with the care of the bank leaders and the help of all my colleagues, I carefully studied business knowledge and skills, actively and proactively performed my job responsibilities, promptly summarized the deficiencies in my work, worked hard to improve my business quality, and completed the work better. In addition to fulfilling individual work tasks, certain improvements have been made in terms of ideological awareness, professional quality, operational skills, and quality service. The experience and understanding of this year are summarized as follows:

1. Ask the canal if it is clear, so that the living water comes from a source.

No matter what profession people are engaged in, they need to keep learning and get fresh "water from the source" in terms of thought, culture, and business. Only in this way can they continue to make progress and maintain a clear spring.

Facing the position of loan officer, I was a little unsure at first. It is very difficult for me, who has only participated in the training for a few days, to understand the customer's basic situation and business information on the spot, investigate and understand the customer's loan purpose and repayment willingness, analyze the customer's repayment potential, etc. At first, I always thought to myself, what if I made a mistake in my analysis and couldn’t make enough money after I put it out? So I often called the master at the Ordos head office during the training period to ask for advice. Communicate your doubts with them, and after receiving careful answers, think and summarize yourself. Learning in practice gave me a new understanding of credit work and increased my confidence.

At the same time, I deeply felt that I was deficient in this area. It was not enough to just learn from practice. I also needed to supplement theoretical knowledge, so I actively used my spare time to strengthen financial theory.

When it comes to learning business knowledge, constantly enrich yourself. Participate actively in the various trainings provided by the industry, be able to comprehend the various learning materials issued by the industry, and apply what you have learned. In your spare time, read financial books and refer to successful credit cases.

Through practical experience accumulation, professional training and self-study, I gradually mastered the loan business and operating procedures. Business work ability, comprehensive analysis ability, coordination ability, written language expression ability, etc. have all been greatly improved.

2. Based on my own progress, work hard to water the credit flowers

I love my job, can take every task seriously, and flexibly embody the country’s financial policies in my work middle. Seriously abide by the rules and regulations, be able to complete various tasks assigned by leaders in a timely manner, and actively and actively carry out business. Looking back on this year, the hard work finally brought gratifying results.

1. Unite and observe discipline, and do our best to improve operating efficiency. Over the past year, I have united with my colleagues, obeyed the leadership's arrangements, and done my job actively and proactively.

2. Strengthen awareness and proactively market loans. After gradually getting involved in credit work, I continued to strengthen my awareness of loan marketing, got rid of the "fear of loans" thought, and sought out loan customers with good returns. On the premise of ensuring the quality of credit assets, I took the initiative to conduct market research on loan customers. Credit support will be provided to individual industrial and commercial households with marketability and credibility.

3. Adhere to credit principles and conduct credit investigations. I know very well that: the quality of credit assets is related to our bank’s business development plan, and our responsibilities are more important than Mount Tai, and we cannot be careless in the slightest.

Over the past year, we have insisted on meticulously investigating every loan, from the borrower’s subject qualifications, credit status, current status and prospects of production and operation projects, and repayment potential, to the guarantor’s qualifications, guarantee potential, and the quality of mortgage and pledged objects. Legal validity; from inventory inspection, checking of current accounts to on-site inspection of buildings and equipment; from calculation of assets and liabilities, analysis of production, sales and profits to research on net cash flow of operating projects From the determination of the loan risk to the reasons for not lending or not lending, I carefully investigated every step without any slack. During the pre-loan investigation, I met the "three musts", that is, the loan conditions must comply with the policy, the loan documents must be legal originals, the lender and the guarantor must be present to verify the signatures, and they must be treated like strangers and acquaintances, ensuring that The loan issuance is compliant and legal.

4. Strengthen management and work hard to collect various loans. Collect due loans, conduct a detailed investigation of the customer's operating conditions for the year, understand customer x's income status, and ensure that our bank's due loans are recovered in a timely manner.

3. The road is long and long, and I will search high and low.

One year’s work has gradually come to an end, and some achievements cannot be achieved without the strong support of the leaders. I know that I still have many shortcomings. After a year of hard work and training, I have learned a lot of knowledge and principles of life. The road to credit is long and I will continue to search for it.

In the new year, I will work hard to overcome my own shortcomings, study hard, work hard to improve my own quality, actively develop, fulfill my job responsibilities, and obey leadership. Be a good staff assistant, work together with all employees, unite as one, and make your due contribution to improve the operating efficiency of our bank and complete various goals and tasks in the coming year. Summary of the work of credit union loan officers 2

Time has passed quietly, and I have been working for almost three months. As a small loan officer of a rural credit cooperative, I have a lot of feelings about my small loans. Talk about your experience of what you do and think about your business work.

First of all, let me talk about my personal work attitude. This job is my first job after graduating from university, so I regard it as a treasure. During the period from training to working, I often heard many people say that this job was too hard, too tiring, and that the rural environment was too harsh. However, for me, who was born in a rural area, these were just minor comments. Some people say that the salary is too low, but my vision is not so superficial. I see the future stage rather than the current treatment. Now I really like this job because here I can see the value and dream of realizing my life.

In the process of working, I found that this job is not as simple and easy as lending and collecting money, but it requires us to learn a lot. For example: Once you do something, you will always have experiences and lessons. In order to facilitate future work, the experience and lessons of past work must be analyzed, researched, summarized, concentrated, and understood at a theoretical level.

First, we must learn to look at people. Because we are doing credit loans, if you make a mistake in the first step, no matter how many good words you say when collecting loans in the future, it may be difficult to achieve the results you expected. The people who are most afraid of collecting money are people who have money but are unwilling to pay it back, not people who really have no money and no way to pay it back.

Second, we must learn to cultivate and retain customers. We are in business and our customers are our God. So how can we hold on to our God? One of the principles of loan risk control is "training for no less than five days" should not be underestimated, but should be implemented conscientiously. If you carefully compare two groups of loan borrowers, one of which received five days of training and the other did not receive training, you will find that the loan borrowers who have received training have much better repayment awareness than those who have not received training. "It's easy to conquer a country but hard to defend it" is probably a true reflection of our work in the future. As long as we succeed in this small loan project, I firmly believe that it will succeed.

Then I believe that the competition from Agricultural Bank of China will follow. Although the current Huinong Card business of Agricultural Bank of China generally has a loan amount of 20,000 to 30,000 yuan, it has a strong advantage over us. Customers like to borrow more money. To do a bigger business, there is no doubt about this. Also, the interest rate of Agricultural Bank of China is much lower than ours, so of course their business should be better than ours, but I personally think it is not that successful. Why? Because they don’t have a group of people like us, and they don’t go to every village to serve farmers like us. However, as long as we are successful, I believe they will immediately recruit a group of college students to go to the countryside to start doing the "same" work as us. That’s when competition really comes. So now that we are carrying out such work, we have to think about how to defend the "kingdom" we have built in the future. Lenders are human beings, and people have feelings. When they become our customers, we must treat them with sincerity and help them when they are in trouble. We must strive to become their close friends. If we can do this, you will be absolutely at ease as a customer.

Third, we must learn to manage. We have more customers. If you don’t have good management skills, then you will have problems, which will make you upset and depressed. First of all, you have to learn to allocate your time reasonably so that you can work better. Although your time is determined by the loan customers, and there are many loan customers, you cannot satisfy all the loan customers, so we must learn how to manage our own loan customers. Another thing is that you must learn to manage accounts, because the financial business we do involves money issues, and people are the most serious and serious about money. We cannot be sloppy or careless. We must carefully manage our bills and be responsible to our borrowers, the credit union, and even more importantly, ourselves.

Fourth, we must learn to behave. "To learn to do things, you must first learn to be a human being." In fact, this sentence is very reasonable. If you don't know how to be a human being, you won't do anything better. Because when you do things, you first face people. When you enter a company, if you can't adapt to your working environment and your interpersonal relationships immediately, how can you do better things? We must first communicate well with the old employees at the credit union where we work, handle interpersonal relationships well, and ensure that we go to work every day with a happy mood and a positive spirit. The credit union is my home. As happy as returning to your own warm and harmonious home. When facing customers, we should do our job better, show our excellent service attitude and professional quality, and ensure that the borrowers and themselves are as close as one family. And we must learn to visit customers frequently. Our business is not to end after lending out loans, but to recover loans, so we must maintain good contact with the borrowers, have their latest harvest information, and their ideological trends, so that we will not be passive. If we do these things well, I believe the business volume will skyrocket, and the recovery rate will be 100% in the future.

Fifth, professional knowledge, work ability and specific work in the future:

1. Under the guidance of the leader, the work procedures and directions have been clarified, and work ability has been improved. A clear working idea was formed in the work. After working as a microfinance officer, I followed the goal of "doing my job better", developed a sense of innovation, and actively and successfully completed various tasks assigned by the leadership. In the remaining time, I strengthened my study of business work, Lay a good foundation for the next step of work. Clarify the direction of efforts and propose improvement measures.

As a person working in the small loan business, I deeply feel the heavy responsibility. As the window of the company, my words and deeds also represent the image of the company, so I must improve my own quality and high standards. Ask yourself to strengthen your professional knowledge and skills.

2. Complete the specific tasks assigned by your company’s leaders and captains carefully, on time, and efficiently. In order to ensure the smooth progress of the work and the coordination with the credit union, in addition to doing their own work, they also actively cooperate with other colleagues in the credit union to do their jobs well.

3. Work attitude and diligence.

Love your own job, be able to treat every detail of the work correctly and seriously, serve farmers enthusiastically, strictly abide by labor discipline, ensure attendance on time, and stick to your post.

Summarizing the work of the past three months, although there has been some progress, there are still deficiencies in many aspects. For example, there are not many creative work ideas, individual work is not perfect enough, and there is too little business customer information. This needs to be improved in future work. In the days to come, I will carefully study various policies and regulations, strive to bring work efficiency to a new level, and make greater contributions to the development of your company.