How is the credit review work at a small loan company? Are the salaries high? Are you tired? If you are a collection specialist, is it better to be a collection company or a small loan?

The salary for junior credit examiners is not too high. The general work content includes sorting out customer information, making phone calls to verify, and may need to go out to visit customers.

It would be better if you were a credit review supervisor. The salary and benefits are pretty good, and your career prospects are bright.

Most small loans do not require collection agents. Minor overdue loans are collected by the company internally, which is done by general credit reviewers. Only when the payment is seriously overdue will you contact a collection agency.

If you look at the recruitment requirements for debt collectors (veterans are preferred), you will know that it is difficult for ordinary people to have a big future as debt collectors. If you have been a soldier and worked in this company for a few years, you can be directly the boss. You, an ordinary person, can do this. Too difficult.

Credit review is better for small loans, especially for large companies, where credit reviewers develop very well

In the credit industry, which one has higher technical content and career development prospects, collection or credit review?

I will explain it with the company I work for.

The risk control department of my company is divided into the credit department and the legal department. Collection is the work of the credit department, while credit review is done by both departments. However, the division of labor is extremely unclear and there is a lot of duplication of work.

Collection in the narrow sense is easy to understand, but collection in the broad sense is more cumbersome.

For example, at a foreign financial institution I applied for before, their collection specialist is called a collection specialist. Their job is basically to inform customers, "Your overdue case has been sent to our legal department. Please pay it as soon as possible." "We will take legal measures in N days" or something like that. After the notification, we are already preparing some litigation materials, and then when the time expires, we will contact external lawyers or resident lawyers to start civil litigation together. . The job content is to prepare materials, write legal documents, and then appear in court with lawyers.

In the company I work for now, the collection work is just two guys from the credit department making phone calls every day to collect debts. If there is no hope of debt collection, our legal department will start preparing litigation materials.

So collection, as simple as making a phone call, can be more complicated as making phone calls, going out to the field, preparing litigation materials, contacting lawyers to appear in court, etc. . But generally speaking, there are not many parts about postgraduate entrance examination ability.

Nowadays, the legal departments of many companies are still in preliminary preparations, so it is very common that the internal division of labor in risk control is not clear. If you want to collect debts, do not join a small company. In addition to phone calls, there are still phone calls. Some companies that go out to collect debts generally outsource them to third parties.

Compared with debt collection, credit review is more difficult and technical. The job content of the credit review is also to look at the company. The bank has three major steps: document review, electronic review, and face-to-face review. Generally, small companies do not have face-to-face interviews or account for a very small proportion, and place more emphasis on electronic examinations. In fact, there is a high possibility of fraud in electronic examinations. However, increasing face-to-face reviews will bring operating costs and risk losing customers, so there should not be much change in a short period of time. But even so, I learned more than collecting money. For example, checking the credit report, checking the flow, verifying the authenticity of documents, etc. Once you become proficient in these, you can also bring a lot of benefits to yourself by helping others change their credit report, but this kind of thing is not done openly. things you can do.

All things considered. Review of letters of recommendation.