Summary of personal annual work of loan officer

202 1 personal annual work summary of loan officers (6 general articles)

Time flies, time flies, and a piece of work has ended. During this period, I made a lot of achievements in my work. Everybody tidy up and write a work summary. Are you still worried about writing a work summary? The following is my personal summary of the work of loan officers in 20021(6 general remarks). Welcome to share.

Personal annual work summary of loan officer 1 With the end of 20XX approaching quietly, I have been working for one year. From the initial lack of confidence in business skills to the ability to analyze credit business alone, what happened really benefited me a lot. Looking back on this year's work, with the care of bank leaders and the help of all my colleagues, I earnestly studied my business knowledge and skills, actively performed my duties, summed up the shortcomings in my work in time, worked hard to improve my professional quality, successfully completed my personal work tasks, and improved my ideological consciousness, professional quality, operational skills and quality service. The experience and experience of this year are summarized as follows:

First, the canal is required to be so clear, because there is running water at the source.

No matter what occupation you are engaged in, you need to keep learning and get fresh "source water" in thought, culture and business. Only in this way can they make continuous progress and keep clear water.

Facing the position of loan officer, I was still a little uncertain at first. It is difficult for me to know the basic situation and business information of customers on the spot, investigate and master the loan purpose and repayment willingness of customers, and analyze the repayment ability of customers. These are all very difficult for me who only attended the training for a few days. At first, I kept thinking, I made a mistake in my analysis. What should I do if I throw the money out? So I often call the master of xxxx head office for consultation during the training period. Communicate your doubts with them, and think and summarize yourself after getting a serious answer. Learning in practice has given me a new understanding of credit work and increased my confidence.

At the same time, I deeply feel my own shortcomings in this respect. It is not enough to learn from practice, but also to supplement your theoretical knowledge. So I actively use my spare time to strengthen the study of financial theory and business knowledge, and constantly enrich myself. Actively participate in all kinds of training provided by banks, integrate all kinds of learning materials issued by banks, apply what they have learned, read financial books in their spare time and refer to successful credit cases.

Through practical experience accumulation, professional training and self-study, I gradually mastered the loan business and operation process. Professional work ability, comprehensive analysis ability, coordination ability and written language expression ability have been greatly improved.

Second, based on their own progress, and strive to water the credit.

I love my job. I can take every task seriously and reflect the country's financial policy flexibly in my work. Seriously abide by the rules and regulations, be able to complete the tasks assigned by the leaders in time and actively carry out business. Looking back on this year, the efforts have finally achieved gratifying results.

1, unite and observe discipline, and do our best to improve operating efficiency. Over the past year, I have United my colleagues, obeyed the arrangement of the leaders, and actively done my job.

2. Strengthen awareness and actively market loans. After coming into contact with the credit work, I constantly strengthened the awareness of loan marketing, broke away from the idea of "being afraid of loans", looked for borrowers with good benefits, actively conducted market research on borrowers on the premise of ensuring the quality of credit assets, and gave credit support to individual industrial and commercial households with market and credit.

3. Adhere to the principle of credit and do a good job in credit investigation. I know that the quality of credit assets is related to our business development plan, and the responsibility is more important than Mount Tai, so we can't be careless at all. Over the past year, a careful investigation has been made on every loan, from the borrower's subject qualification, credit status, current situation and prospect of production and operation projects, repayment ability, to the guarantor's qualification and guarantee ability, and the legal effect of mortgage and pledge; From inventory inspection, current account use inspection to on-site inspection of houses and equipment; From the calculation of assets and liabilities, the analysis of production, sales and profits to the study of net cash flow of operating projects, the determination of loan risks, and the reasons for lending and not lending, I have carefully investigated every link without any slack. In the pre-loan investigation, I achieved the "three musts", that is, the loan conditions must conform to the policy, the loan documents must be legal originals, the lenders and guarantors must be present to verify and sign, and strangers should be regarded as acquaintances, thus ensuring the compliance and legality of loan issuance.

4. Strengthen management and strive to recover all loans. Collect overdue loans, investigate the customer's operation in that year in detail, understand the customer's income of 20XX, and ensure the bank to recover overdue loans in time.

Third, the road is long, and I will go up and down.

The year's work has gradually come to an end, and some achievements can't be achieved without the strong support of CDB leaders. I am well aware that I still have many shortcomings. Through a year of training and training, I have learned a lot of knowledge and the truth of being a man. The road to glory is long, Xiu Yuan, and I'm in the ups and downs.

In the new year, I will strive to overcome my own shortcomings, study hard, improve my own quality, actively explore, perform my duties and obey the leadership. 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 objectives and tasks in the coming year.

Summary of personal annual work of loan officer 2 Time has passed quietly, and I have been working for almost three months. As a micro-credit officer of rural credit cooperatives, I have deep feelings. I want to talk about my thoughts and thoughts on my microfinance business.

First of all, let me talk about my personal work attitude. This job is my first job after graduating from college, so I regard it as a treasure. From training to work, I often hear many people say that this work is too hard, too tired and the rural environment is too bad. However, for me who was born in the countryside, it is actually a small ks. Some people say that the salary is too low, but my eyes are not that shallow. What I see is the future stage, not the present treatment. Now I really like this job, because here I can see the value and dream of realizing my life.

In the course of work, I found that this job is not only as simple and easy as lending money, but also requires us to learn a lot. For example, if you do something, you will always have experience and lessons. In order to facilitate the future work, it is necessary to analyze, study, summarize and concentrate the experience and lessons of the past work, and rise to the theoretical level to understand.

First, learn to look at people. Because we are doing credit loans, if you make a mistake in the first step, I'm afraid it will be difficult to achieve your expected results by saying more good things when collecting loans in the future. The people who are most afraid of collecting money are those who have money but are unwilling to pay it back, not those who really can't afford it.

Second, we must learn to cultivate and retain customers. We are in business, and customers are our gods. So how can we catch our God? One of the principles of loan risk control is "training is not less than five days", which should not be underestimated, but should be seriously implemented. If you carefully compare two groups of borrowers, one group has been trained for five days and the other group has no training, then you will find that the trained borrowers have much better repayment consciousness than the untrained borrowers. The sentence "It's easier to fight a mountain than to defend one" is probably a true portrayal of our future work. As long as we succeed in this microfinance project, I firmly believe it will succeed. Then I believe that the competition of ABC will keep pace with the times. Although the current card business of ABC is generally 20,000 to 30,000 yuan, it has a strong advantage over us, and customers like to borrow more money to do bigger business. There is no doubt about it. Also, the interest rate of ABC is much lower than ours, so their business should of course be better than ours, but I personally think it is not so successful. Why? Because they don't have people like us, and they don't go to every village to serve farmers like us, but as long as we succeed, I believe they will immediately recruit a group of college students to go to the countryside and start doing our "same" jobs, and then the competition will really come. So now that we have carried out such work, we must think about how to hold the "Jiangshan" in the future. Lenders are people, and people have feelings. When they become our customers, we should treat them sincerely and help them when they are in trouble. We should try our best to be their bosom friends. If we can do this, you can rest assured of this customer.

Third, learn to manage. We have many customers. If you don't have good management skills, then your problems will come, which will make you upset and depressed. First of all, you should learn to allocate your time reasonably so that you can work better. Although your time depends on borrowers, and there are many borrowers, you can't satisfy all borrowers, so we should learn how to manage our borrowers well. One more thing, you must learn to manage accounts, because the financial business we do involves money, and people are most serious about money. We must not be careless. We should manage our bills carefully and be responsible to the lenders, credit cooperatives and especially ourselves.

Fourth, learn to be a man. "If you want to learn to do things, you must first learn to be a man." In fact, this sentence is very reasonable. If you can't be a man, then you can't do better things. Because when you do things, you first face people. When you enter a company, you can't immediately adapt to your work environment and your interpersonal relationship, let alone make better things. First of all, we should communicate well with the old employees of our credit union, deal with interpersonal relationships and go to work every day.

Summary of personal annual work of loan officer III. It will be the end of the year in a blink of an eye. As of today, I have just worked in our bank for X months. There were joys and sorrows, achievements and mistakes during this period. In our young and United group, I have learned a lot and felt a lot. I think only in our special xx post can I better understand what growth is. 20xx years have passed, and now I will work hard for this year.

I. Work Performance Report

From knowing nothing about xx to being able to independently complete a survey, learning step by step and accumulating bit by bit, as of today, I have issued a total loan of X million yuan, X transactions, X marketing customers and no overdue customers. Although there is still a big gap between this achievement and my leadership assessment and my own requirements, I am glad that I can start from scratch and start from a very basic place, which will be a reference for my work next year.

Second, review the work that has been done.

I am honored to be the first batch of xx account managers of our bank. Of course, as the first batch, I have to work harder and harder. /kloc-The xx training started in October made me realize the particularity of xx work. I don't think all bank jobs are in the office. On the contrary, xx account managers shuttle through the streets and high-rise buildings in the city. Xx is not only knowledge but also technology, with rigorous thinking, effective communication and keen judgment. I systematically use a questionnaire to restore the basic situation of customers. With the help of the training teacher, I have basically mastered xx technology and can independently complete the investigation within X million yuan. However, it will take three to five years to master this technology and become a mature account manager. After we passed the three-week training in xx, we returned to xx in the middle of X and began to investigate the xx market. In the form of customer questionnaire, we have a general understanding of the financing needs and basic situation of individual industrial and commercial households and small enterprises in the streets of xx city, which has laid a certain foundation for the launch and market promotion of our xx products. After the leaflet of xx was printed, we went to the market again. Don't miss every small shop and stall, let our bank's xx products appear in the xx market in the fastest time, and the effect is also remarkable. Customers come to our bank to consult and apply for loans. In X month, we began to work formally, which is also the time when we began to apply theory to practice. At first, when we faced our customers, we didn't consider the relevance of the details. We have a superficial understanding of the characteristics of various industries, weak ability to judge the information provided by customers, and lack of communication with customers. With the patient guidance and help of our training teachers, these conditions have improved now. The investigation slowly began to have ideas and methods suitable for us, and the data were repeatedly checked. However, I still have a lot of knowledge to learn and many problems to solve.

Third, the problems existing in the work

In the past x months, although my work has made some progress, I have clearly seen my own shortcomings. First, study is not enough. In the face of different situations in the industry, it is inevitable that our account managers who are new to the credit industry do not have a comprehensive understanding of the industry and have an inaccurate grasp of customers. I must study more in my future work, not only summing up in my work, but also learning from my colleagues online. Second, customer resources are not enough, and customers are fundamental. Only by improving the quantity and quality of customers can we improve our performance. At present, the customer resources I have are the membership list of xx Trade Association and the downstream list of some loan customers, but these are far from enough. We must dig deep into customer resources and make specific marketing plans according to different industries and markets. Third, improve your work initiative, be down-to-earth, do more and talk less, improve and improve yourself in practice, improve working methods, and greatly improve work efficiency.

Fourth, look forward to 20xx.

20xx will be a brand-new beginning. I set the target of my total loan as 10000 yuan, and increase it by 10000 yuan on the basis of doubling in 20xx. I didn't set my goal too high, because I know that no matter what I set myself, I will make the same effort. I hope I can reach my goal, surpass my goal and achieve an ideal result next year.

Summary of personal annual work of loan officer 4 Time flies, and a year is fleeting. Looking back on the coming xx years, there are leaders' care and instructions, colleagues' support and help, joy and relief after overcoming difficulties, and no regrets after disappointment and hesitation. Although I am still a bank clerk, I have learned a lesson from my previous ignorance through hard work. Although I was a little confused when I first came into contact with these jobs, I firmly believe that nothing can be done badly as long as I work hard. Now I will summarize my work in the past year as follows:

First, strengthen learning and improve their own quality.

Over the past year, I have been able to seriously study the business knowledge of banks and constantly improve my theoretical quality and business ability. In the process of learning, I gradually summed up a learning method that suits my own characteristics, that is, comparative learning. Compared with other colleagues, what I personally lack is what I need to learn; Our weakness is exactly what I need to strengthen; Compared with other banks, what is different from us is what I need to explore.

The second is to explore and innovate to find new market growth points.

Only by constantly developing high-quality customers, expanding business and increasing deposits can efficiency be improved. Make full use of your existing social network, and. It is inevitable to visit each other one by one, but fortunately, in this way, I have dug up many new customers on the basis of the original individual customer marketing maintenance, and I believe that the savings situation will improve next year.

Third, be loyal and persistent and do your duty for the development of Shengjing.

Bank is my dream workplace when I was a student. After graduation, I was very lucky to get this ideal job. However, it is not an easy task to become a qualified bank employee, and it is bound to require continuous learning and training. To tell the truth, I was very ignorant at first, but after nearly a year's work and understanding, I found that I gradually liked this job, which I didn't expect at first, and I will definitely continue to work hard.

Summary of personal annual work of loan officer 5 Looking back on 20xx years, I thank the company for giving me the opportunity to become a member of this big family. Thanks to the trust of the company leaders, let me engage in what I am good at; Thanks to Master's careful teaching, I have improved my legal practice ability. Thank you for your support and cooperation, so that my work can be successfully completed.

Under the leadership of the company, I earnestly performed my duties and assisted the credit department in providing legal support in the three stages of credit business investigation, review and inspection. The work in 20xx years is summarized as follows:

When I first arrived at the company, I drew up the credit business contract, employee employment contract, pre-loan investigation data, loan review data, post-loan inspection data and so on. , modified by the department leader, discussed and approved by the company manager, and officially used. At the same time, it also assists the General Management Department to issue the responsibilities of all departments, employees and daily management rules and regulations.

In daily business, actively participate in the pre-loan investigation of credit business, communicate with customers, collect credit business information, learn loan project evaluation, and analyze the borrower's loan purpose, repayment ability and asset guarantee through on-site evaluation and financial indicators. After mastering the business, I tried to design the operation flow of credit business, which was passed at the manager's office meeting under the patient guidance of the leaders, and improved the operation flow of credit business.

In the business acceptance stage, provide credit business consultation for customers, collect customer credit information, preliminarily evaluate customer applications, report customers who meet the company's credit business conditions to the company manager, and implement the manager's decision. Assist the credit department in asset evaluation, signing contracts with customers, notarization and registration of other rights. And provide legal support for the credit business throughout.

In the loan review stage, the application submitted by the customer is evaluated from the aspects of the loan purpose, repayment source, solvency of its own assets and loan method. , and truthfully report the potential risks of the business to the manager. Participate in the discussion of the loan review meeting, provide legal advice to the loan review meeting, keep records of the loan review meeting, and assist the credit department to implement the resolutions of the loan review meeting.

In the post-loan management stage, assist the credit department in post-loan management, mainly to check whether the customer's production and operation are normal, collect the customer's financial data, judge whether its financial indicators are within the controllable risk through financial analysis, and then calculate whether the customer has the ability to repay the principal and interest, whether there is potential breach of contract, and write a post-loan inspection report. Go to the judicial department to file a case, file a declaration and preserve it before litigation, and assist the judicial department in sealing up and detaining it.

In my daily work, while doing my job well, I actively strengthen my business study, and constantly improve my business quality and skills through books, the Internet and various learning and training opportunities provided by the company.

In the cooperation with other departments, I actively assisted other departments to handle affairs, strengthened the cooperation ability with other departments, enhanced the feelings with other departments, and won the recognition of other colleagues in the company.

In 20xx, I will continue to earnestly perform my post responsibilities and do my best to complete all the work arranged by the company leaders. On the basis of 20xx years, strengthen communication and coordination with colleagues in the credit department and post-loan management department, realize seamless connection of information between departments, and prevent delivery time from affecting the quality and quantity of business. In business operation, it is necessary to improve the execution and strength, continue to strengthen the study of business knowledge, and improve the ability of project review and risk review report writing.

Finally, I would like to thank the company leaders for their trust in me and Master for her careful guidance. In the new 20xx year, I will live up to the expectations of the leaders, complete all the work conscientiously as always, and actively cooperate with other departments to meet the harvest of 20xx.

Summary of personal annual work of loan officer 6. I used to be an ordinary shop assistant under xx post and telecommunications sub-office. I've only been working for six months since I transferred. There are 40 loan customers and 20 successful loans with a loan amount of 930,000 yuan, all of which are normal loans. On the road to credit, start from scratch and embark on a difficult journey. I think I have the following experience:

Facing a brand-new post, I was really scared at first. Since xx joined the work, I have been working as a teller in the front line of postal savings, waiting for customers to come to the door on the basis. The new position must go to the customer's home once every three days to learn about the customer's basic environment and business information, inquire and master the customer's loan purpose and repayment willingness, and explain the customer's repayment ability. It is really too difficult for me to deal with these people who are not good at communicating with others. 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 good to inherit my old job.

After understanding the extensive mentality of loan officers, branch leaders talked with everyone in real time, which made people emancipate their minds and put down their burdens, saying: Don't deny yourself easily before doing it, and you will gradually like the post of credit. The patient persuasion of the leaders and the description of their growth prospects have given everyone courage in their work. The thoughts were dispelled 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, vertically control the microfinance business and operation process.

Through the vigorous advocacy of the sub-branch in the early stage, some customers in need began to come to consult one after another, and I also welcomed the first loan customer. On that day, I took a bus with another colleague for an hour and a half, and came to xx Village with mixed feelings. This customer is a farmer, with more than ten years of breeding history and an abnormal understanding of the market. At the customer's home, after I introduced myself, I began to deduct questions one by one according to the order of inquiry and visit required during training. Because it is the first time to communicate with customers in marketing, I don't know enough about xx industry, so my heart is very important. After asking for less than 20 minutes, the customer suddenly said: I don't lend, so go, just borrow some money from your post office, just like trying criminals. I said, quick, but farmers are not * * *. Helpless, my colleagues and I were disappointed, and the first marketing aborted.

On the way back, I recalled the scene of that talent over and over again and asked my colleagues what they were infected with. After thorough analysis, I found the answer: the problem is not the customer, but only the place where I can't communicate with the customer at all and don't understand the needs and difficulties of the other party, which has caused an embarrassing scene.

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 to preach with my colleagues, chat with small businesses and practice introducing loan business; After work, I also visit relatives and friends and introduce the micro-credit of the Postal Savings Office as an exercise tool. Where there is a will, there is a way. Now I feel that communication technology has made great progress. Strive to get out of the road of harvest

How to integrate postal savings micro-loans into the local economy has become a breakthrough point in the credit work of sub-branches. We learned from the interview:

Developing credit villages will be the key customers of future sub-branches. It is their primary task to deeply understand and control the business environment and discipline of farmers and understand the industry as soon as possible. Find a few farmers through relatives and get to know the environment with colleagues. Over time, I got used to this kind of work.

Half a year's work performance is not ideal, but I deeply feel that my work can not be separated from the care and support of the leadership and the credit department team; At the same time, I would like to thank my family who support my work in obscurity. I will try my best to become a qualified post bank loan officer and care for everyone with a professional attitude.

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