Bank Account Manager Marketing Experience

Below are four bank account manager marketing experiences that I have collected for you. I hope you like them! For more bank account manager marketing experiences, please pay attention to the experience column! Bank account manager marketing experiences 1

2xx-x years have passed. Under the care of the branch leaders and with the help of my colleagues, I have achieved certain work performance through my own hard work, and my banking business knowledge has also made great progress. Personally Marketing capabilities have also been greatly improved.

First of all, in terms of work performance, under the guidance of the branch leaders, I worked hard to market corporate customers, and successfully hosted the first credit business since the transformation of Haizhu Branch. By the end of 2010, the total credit line had reached 550 million yuan. , driving corporate deposits of more than 80 million yuan, realizing interest income of more than 1.6 million yuan, and realizing intermediary business income of 295,500 yuan. Personal account management company XX has successfully declared itself as a key customer at the head office level, and is assisting branch leaders in actively marketing a group of XX downstream companies. In terms of small business marketing, we also successfully marketed a XX enterprise, using cross-marketing to achieve an additional private deposit of 1.6 million yuan at the end of the year. In terms of small indicators assessment for corporate account managers, my results ranked among the top 5 in the whole branch.

Secondly, by learning from leaders, product managers, and books, I have a more comprehensive grasp of our bank’s credit business knowledge. When I was transferred to the company's account manager a year ago, I knew little about the company's business and credit products. After a year of study, I basically mastered the elements of most of China Everbright Bank's credit products. I was able to communicate with customers and make decisions based on their financial status and Based on the guarantee status and business characteristics, we can design reasonable credit plans and specific business products for customers. In addition, while familiar with the business products, I actively studied Everbright Bank's credit risk control measures. As the only account manager, I participated in the first credit approver examination held by the branch and successfully passed it. In the compliance essay competition held by the branch, my article "It is imperative to build a deeply rooted compliance culture in commercial banks" was awarded the second prize by the head office.

Finally, in the process of business marketing, study carefully, accumulate bit by bit, and strive to improve your personal marketing capabilities. As an account manager, your duty is to serve customers well. On the one hand, you must be familiar with your business products and understand what you can bring to customers. On the other hand, you must understand what customers want, especially the latter aspect. I understand. Only by meeting customer needs can we create conditions to meet them. The improvement of personal marketing capabilities lies largely in understanding and satisfying customers. Therefore, in the process of communicating with customers, I constantly explore their hobbies, interests, and specialties, and strive to talk about topics that customers are interested in and solve problems that customers urgently need to solve.

The past year has been a fulfilling year for me and a year of progress. At the same time, the achievement of these personal achievements is inseparable from the care, guidance and encouragement of the branch leaders. Of course, in the past year, I have also made mistakes and had some shortcomings, especially in terms of maintaining existing customers and tapping customer resources. This is what I need to work hard on in the future.

The work plan for 2xx-x is first of all to strive to maintain existing credit customers under the current tight credit situation, make good use of resources, do a good job in customer marketing, and maximize the profit creation of credit lines. . Secondly, we should firmly grasp the characteristics of Haizhu region, develop professional markets, do a good job in credit marketing for small and medium-sized enterprises, and strive to achieve results. The third is to explore the potential of existing settlement accounts and market corporate deposits by leveraging the advantages of our bank's financial products and strengthening door-to-door services. The fourth is to vigorously expand the settlement accounts of small businesses around Haizhu Sub-branch. The fifth is to strengthen cross-marketing and work with private account managers to provide all-round services to customers.

The year 20xx-x has arrived. I am determined to work more solidly, study hard, strive to make progress in all aspects, and become an excellent account manager. Marketing experience of a bank account manager 2

With the formation of a diversified competition among entities in the banking system and the improvement of capital market functions, the competition for high-quality customers has become the focus of competition within the industry. At the same time, customer needs are becoming increasingly diversified and Integration and personalization have created opportunities and challenges for the banking industry. To cope with the fierce competition, provide customers with higher-level, all-round services, and improve their own efficiency, it is necessary to establish a marketing team that responds quickly, has high comprehensive quality, and has a strong sense of service - a team of account managers.

But whether the members of the account manager team have strong business capabilities and service awareness, and whether they truly understand the job responsibilities of the account manager, I think it needs further discussion. Here I only use what I have learned in my studies to do A qualified account manager, let’s talk about some personal thoughts:

1. An account manager must have the necessary qualities. An account manager is not only the representative of the relationship between the bank and its customers, but also the representative of the bank’s external business. It not only requires Comprehensively understand customer needs and market products and businesses to them, and also coordinate and organize relevant departments and institutions across the bank to provide customers with a full range of financial services, which requires good professional ethics and comprehensive capabilities. We always put customers first in our work, treat customers' matters as our own, think about what customers think, and worry about their needs.

1. Have a high sense of responsibility, good professional ethics and strong professionalism. Have a strong sense of responsibility and professionalism, and satisfy customers' services or requirements while taking into account the interests of the bank. Strictly guard the confidentiality of the bank and its customers.

2. Should have high professional quality and policy level. Familiar with and understand financial policies, legal knowledge, and financial products. Through on-the-job training, job rotation training, internal training, etc., we will continuously enhance our business quality to meet the needs of business development.

3. Be resourceful and sensitive, and be good at analyzing and identifying problems. Have certain marketing skills, analysis and planning capabilities.

4. Enthusiastic, cheerful, and have strong ability to tackle key problems and coordinate. Good at expressing one's own views and opinions, maintaining good working relationship with bank management and business layers, and having strong teamwork spirit.

5. Strong endurance and strong courage to overcome difficulties. Able to endure countless hardships and travel to thousands of households.

2. Account managers must be good at grasping market information and meeting customer needs in a timely manner. As an account manager, one must have a clear mind and a keen sense of smell, capture various economic information in a timely manner, and continuously analyze, research, and Discover problems in a timely manner and provide feedback to promote the healthy development of banking business. It is necessary to focus on research and development of the market, and use the Internet, media and other means to understand the economic development trends of national industries, industries, product policies, and local governments, analyze the marketing environment of customers, and on the premise of grasping the objective environment, investigate customers and understand their needs. Fund operation rules, timely determination of marketing plans, and consolidation of the bank's financial strength. Keep abreast of the business dealings between various commercial banks and customers and their proportion in our bank; at the same time, adhere to the customer-centered approach and clarify the current status and development plans of customers, as well as the quantity, quality, income, potential and needs of customers' business in our bank. etc., target target customers and establish a good cooperative relationship.

3. The account manager should do a good job in customer marketing and customer maintenance

As an "ambassador" who fully represents the bank in contacting customers, the account manager should be proactive and maintain regular contact with customers. Contact, discover customer needs, guide customer needs, and provide timely satisfaction to provide customers with "one-stop" service. For existing customers, account managers should maintain regular contact with them, and for potential customers, they should actively develop them. The purpose of development is mainly to market products and strive to achieve a "win-win" situation. Based on the bank's operating principles, business plans and work requirements for account managers, and through in-depth research on the market, propose your own marketing direction, work goals and work plans. First of all, in line with the principle of "win-win for banks and enterprises", we must calculate the bank's input-output accounts, and also calculate accounts for customers, and design the most appropriate financial product portfolio for customers; secondly, segment customers and establish target markets and potential Customers, analyze and evaluate customers in all aspects. Always maintain contact with customers and mobilize their resources, use effective communication methods and communication strategies to maintain relationships with customers, and conduct fruitful visits and observations to customers. Third, in interactions with customers, account managers should actively promote bank products. Good at discovering customers' business needs and actively suggesting and recommending applicable products to customers in a targeted manner. If there is a need, report it to the relevant departments in a timely manner and actively explore the possibility of developing special products for it. Fourth, strengthen risk management and effectively monitor and control customer risks. Pay close attention to the changes in all aspects of customer production, operation, and management and the flow of large amounts of funds. No matter what problems arise, they must be considered in conjunction with asset security and take timely measures.

Establish and improve customer files and monitoring ledgers in accordance with regulations, collect, organize and analyze information in a timely manner, and monitor customer credit status in real time; carefully conduct post-loan inspections and daily inspections, and collect loan interest and principal in a timely manner; actively participate in corporate management when necessary, Assist enterprises to improve production, operation and financial management to minimize capital losses.

4. Account managers should constantly focus on financial innovation, increase quality services, and strive to achieve "win-win" thinking determines actions, and actions determine results. Account managers must have a strong sense of pioneering and innovation, which is mainly reflected in the development of customer markets and the development of financial product marketing. High-quality service is reflected in the new customer service concept, comprehensive customer service content and modern service methods. In order to make simple and boring service work rich and colorful, and truly reflect the concept of customer first. In the process of contacting customers, account managers must keep in mind the development idea of ??"customer needs are the account manager's job", be brave in innovation, carry out work creatively, and use a sincere heart to inject brotherhood and friendship into the work. Think about what customers think, know what customers worry about, eliminate customers' worries, do what customers need, and care about customers' hearts. Tolerate customers with affection, understand customers with heart, touch customers with love, and develop customers with high-quality services. For different customers, we adopt different working methods and strive to provide customers with the best quality financial services. When customers receive flowers from us on their birthdays, they will definitely be touched by the surprise; if customers receive interesting text messages from us when they are troubled, they will definitely put their unhappiness behind them and embrace the future. A trace of gratitude; and when the customer was unfortunately lying in the hospital bed, he was even more moved when he saw us busy running upstairs and downstairs... Although things are very ordinary and simple, we will definitely win the support and support of our customers. Understand and promote feelings for each other. I think that to be a qualified account manager, we should focus on risk prevention, always run through the concept of customer-centered and create our own brand to cultivate our loyal customers, establish the credit union's own image, and make the credit union own brand, thereby ultimately maximizing our profits. Three Marketing Experiences of Bank Account Managers

With the formation of a diversified competition among banking system entities and the improvement of capital market functions, the competition for high-quality customers has become the focus of competition within the industry. At the same time, customer needs are becoming increasingly diversified and Integration and personalization have created opportunities and challenges for the banking industry. To cope with fierce competition, provide customers with higher-level, all-round services, and improve their own efficiency, it is necessary to establish a marketing team that responds quickly, has high comprehensive quality, and has a strong sense of service - a team of bank account managers. But whether the members of the bank account manager team have strong business capabilities and service awareness, and whether they truly understand the job responsibilities of the bank account manager, I think it needs further discussion. Here I only draw on what I have learned in my studies. How to be a qualified bank account manager, let me talk about some personal thoughts:

1. A bank account manager must have the necessary qualities

A bank account manager is the person responsible for the relationship between the bank and its customers. The representative, who is also the representative of the bank’s external business, not only needs to comprehensively understand customer needs and market products and services to them, but also coordinate and organize all relevant departments and institutions across the bank to provide customers with a full range of financial services. This requires that Have good professional ethics and comprehensive ability. We always put customers first in our work, treat customers' matters as our own, think about what customers think, and worry about their needs.

1. Have a high sense of responsibility, good professional ethics and strong professionalism. Have a strong sense of responsibility and professionalism, and satisfy customers' services or requirements while taking into account the interests of the bank. Strictly guard the confidentiality of the bank and its customers.

2. Should have high professional quality and policy level. Familiar with and understand financial policies, legal knowledge, and financial products. Through on-the-job training, job rotation training, internal training, etc., we will continuously enhance our business quality to meet the needs of business development.

3. Be resourceful and sensitive, and be good at analyzing and identifying problems. Have certain marketing skills, analysis and planning capabilities.

4. Enthusiastic, cheerful, and have strong ability to tackle key problems and coordinate. Good at expressing one's own views and opinions, maintaining good working relationship with bank management and business layers, and having strong teamwork spirit.

5. Strong endurance and strong courage to overcome difficulties. Able to endure countless hardships and travel to thousands of households.

2. Bank account managers must be good at grasping market information and meeting customer needs in a timely manner.

As a bank account manager, you must have a clear mind, a keen sense of smell, and capture various situations in a timely manner. Economic information, and constantly analyze, research, discover problems in a timely manner, and provide feedback information to promote the healthy development of banking business. It is necessary to focus on research and development of the market, and use the Internet, media and other means to understand the economic development trends of national industries, industries, product policies and local enterprises, analyze the marketing environment of customers, and on the premise of grasping the objective environment, investigate customers and understand their needs. Fund operation rules, timely determination of marketing plans, and consolidation of the bank's financial strength. Keep abreast of the business dealings between various commercial banks and customers and their proportion in our bank; at the same time, adhere to the customer-centered approach and clarify the current status and development plans of customers, as well as the quantity, quality, income, potential and needs of customers' business in our bank. etc., target target customers and establish a good cooperative relationship.

3. Bank account managers should do a good job in customer marketing and customer maintenance

4. Bank account managers should constantly focus on financial innovation, increase quality services, and strive to achieve "win-win"

Thinking determines action, and action determines results. Bank account managers must have a strong sense of pioneering and innovation, which is mainly reflected in the development of customer markets and the development of financial product marketing. High-quality service is reflected in the new customer service concept, comprehensive customer service content and modern service methods. In order to make simple and boring service work rich and colorful, and truly reflect the concept of customer first. In the process of contacting customers, bank account managers must keep in mind the development idea that "customers' needs are the job of bank account managers", be brave in innovation, carry out work creatively, and inject brotherhood and friendship into their work with a sincere heart. We must serve what customers think, know what customers worry about, eliminate customers' worries, do what customers need, and be attentive to customers' hearts. Tolerate customers with affection, understand customers with heart, touch customers with love, and develop customers with high-quality services.

We adopt different working methods for different customers and strive to provide customers with the best quality financial services. When customers receive flowers from us on their birthdays, they will definitely be touched by the surprise; if customers receive interesting text messages from us when they are troubled, they will definitely put their unhappiness behind them and embrace the future. A trace of gratitude; and when the customer was unfortunately lying in the hospital bed, he was even more moved when he saw us busy running upstairs and downstairs... Although things are very ordinary and simple, we will definitely win the support and support of our customers. Understand and promote feelings for each other.

I believe that to be a qualified bank account manager, one should focus on risk prevention, always run through the concept of customer-centered and create one's own brand to cultivate our loyal customers and establish a credit union. own image and create the credit union’s own brand, thereby ultimately maximizing our profits. Four Marketing Experiences of Bank Account Managers

High-quality customer resources are the prerequisite and foundation for bank development. I have always believed in this. In the more than a year since I have been working in personal finance, I have been committed to developing and maintaining high-quality customers, and the results have been remarkable.

1. Solid business knowledge lays a solid foundation for personal financial management

In *month of 20**, the overseas branch entered the final preparation stage before the launch of DCC. Since I have been engaged in front-line work since graduating from university, and my work is meticulous and outstanding, I was sent to ** to study DCC business. During my study in Shanghai, I overcame the difficulties of short time and heavy tasks, studied hard, and mastered the operation and management of the system in a short period of time, laying a solid foundation for VIP customer service after it went online. After returning to the bank, as a junior teacher, I conducted a three-month DCC personal business operation training for front-line tellers of all overseas branches, and made my own contribution to the successful launch of our bank's DCC system. Through this training, I not only strengthened my contact with the director tellers of many front-line branches, but also gained a deeper understanding of the bank's current branch resources and current situation. Customers often praise me for not only having rich product knowledge, but also knowing the network conditions and problems I will encounter when handling business. I can handle them with ease and feel confident when buying the products I recommend.

2. Outlet marketing highlights personal abilities, and personal financial management drives deposit growth

After DCC was launched, I came to Century City because of my love for personal financial management and my personal requirements. savings bank and served as the first lobby manager of our bank. At that time, the Century City Savings Bank had just been established, and its influence in the Century City community was not very great. Especially since there were already banks such as Bank of China, Agricultural Bank of China, and China Everbright in the surrounding areas, the deposit form was not very good. In view of this situation, through investigation and research on the surrounding area, I found that Century City Community is an emerging high-end community with many potential high-quality customers. So I decided to start from the source of deposits and vigorously develop VIP customers. First, I made and posted promotional posters for LeDangJia Financial Management in the branches, introducing the differentiated services that can be enjoyed by becoming our bank’s VIP customers. At the same time, I actively contacted and negotiated with the property management of the community, and posted our bank's latest product promotion posters in the fixed bulletin boards of each building. At the beginning of last year, we jointly launched a large-scale community marketing campaign with the cashier, card department, housing credit and other departments in the center of Century City, and the response was enthusiastic. Through these measures, CCB Financial Management has rapidly expanded its influence and established its image in Century City. What followed was a surge in deposit business.

While I am happy, I am thinking about new issues. Now that we have customers, how to retain them? The only way is to improve service quality. After discussing with the director, I decided to launch an activity to become a star teller in the office. I hung a banner of "Community Bank, Your Bank" in the lobby, and vigorously carried out the construction of home culture so that every customer who comes to the branch to do business has a sense of belonging. The feeling of coming home. I set an example at work, always smile to customers, serve enthusiastically, patiently explain customer problems, and never tire of asking. We treat VIP customers with meticulous service and explain product features and functions from the customer's perspective. We are highly praised by customers and have established deep friendships with many VIP customers. Through my unremitting efforts, the number of VIPs and deposit balances of Century City Savings Bank have increased significantly. In the first quarter when I was there, there were 49 new VIP customers, 42.77 million yuan in new RMB savings deposits, and 2.03 million US dollars in foreign currency savings deposits. That year, the Century City Savings Bank branch ranked second in terms of comprehensive contribution, and won the title of Youth Civilization and Beijing Advanced Team, becoming a star branch within the branch system. I also received praise from leaders and customers many times, and was transferred to the financial management center of the branch as an account manager.

3. Look at the overall situation, accumulate knowledge, and attract high-end customers with personal charm

At the beginning of working in the financial management center, in order to be well aware of the fifteen business outlets of our bank, I Conducted on-site research and combined with my actual work experience, wrote a research report on our bank's existing branch resources, status and lobby manager settings. From multiple perspectives such as the location of the outlet, surrounding resources, employee status, customer level and business volume, the current operating status of each outlet was analyzed and its own suggestions were put forward. It provided first-hand information for the establishment of the lobby manager position and branch renovation in the later period of our bank, and was praised by the leaders.

In the process of serving as an account manager, I have realized that strong theoretical knowledge is very important for an account manager. So I strengthened my study of theoretical knowledge, used my spare time to read a lot of books on economics, psychology, etc. that were helpful to my work, applied for fund, insurance and other professional qualification examinations, and studied on my own in CFP (Certified Financial Planner). ) related courses. Through the continuous deepening of my theoretical knowledge, I can introduce products to customers more professionally and with greater ease. Customers also have more trust in me. Customers often call me an expert and introduce their friends to consult me ??about products and listen to my opinions. My image also represents the image of the financial management center. As more and more customers come here, the influence of the financial management center is also growing. I have even heard colleagues outside the CCB system praise how professional our financial management center is. . Although I have achieved some results, I am not satisfied with it. Because I know that there is no limit to learning, and if you don’t advance, you will retreat. I will stick to the study of theoretical knowledge.

Last year I participated in and participated in the planning and organization of many large-scale marketing activities. Such as three large-scale high-end community marketing activities, the 8.18 large-scale customer appreciation party held at the Media Conference Center, etc. I have also visited some high-paying companies many times to give lectures on financial management.

In these activities, I increased the visibility of the Wo Xing Le Dang Jia financial management brand and expanded its influence through the promotion of CCB's financial management concepts and product marketing. Especially at the 8.18 major customer appreciation meeting, my keynote speech entitled "CCB Financial Management Helps You Succeed" received an enthusiastic response. After the meeting, leaders from many companies came to inquire about our bank's financial products and services, and recommended many high-quality customers to become our bank's loyal VIP customers.

4. Customer maintenance focuses on methods, small input and large output achieve significant results

In terms of maintaining large customers, I use emotions as a bond and products as a tool, and pay great attention to the maintenance of customer relationships. . We consider everything from the customer's perspective and pay attention to details. By chance, when I learned that the father of a VIP client was seriously ill, I took the initiative to visit him and called him many times to greet him. The client was so moved that after her father passed away, she transferred all of her father's inheritance of nearly 1 million yuan to our bank. There are many more things like this. So far, I have been responsible for maintaining more than 500 VIP customers, including more than ten customers with deposits of more than 5 million, and deposits of over 100 million.

While maintaining VIP customers of the financial management center, I am also responsible for the discovery and product marketing of VIP customers at five outlets. With my long-term experience in dealing with customers and solid business knowledge, coupled with my own professional expertise, I have a large number of large customers with stable relationships. It has become a new profit growth point and a strong product buying group for our bank.

Of course I am not satisfied with the status quo. In the process of maintaining existing VIP customers, I also need to deeply explore the potential needs of customers, increase product marketing efforts, and improve the quality of deposits. At the same time, we deeply explore potential VIP customers and expand the popularity of our bank's personal financial management business among high-income people. Strengthen public-private linkage, cooperate with public business departments, give full play to the advantages and characteristics of private business, seize the financial management needs of middle- and high-income groups in enterprises, and increase corporate loyalty to our bank. I will continue to work hard towards this goal.