Dr Nguyen Trung
tháng 7 15, 2019
0
What is a credit officer? The work of bank credit officers must do?
Credit officers are one of the indispensable components of the bank they play a very important role. With this article, we will provide customers with what is Credit Officer? Job description of bank credit officer. Invite you to watch it!
What is a credit officer ?
Credit officers are one of those who play a very important role of the bank, if the department performs well its jobs, they are contributing to promoting the bank's development.
Credit officers who directly perform jobs such as consulting and working with customers and transfer work files to the upper division, they have to bear a lot of force from customers and the criteria that superior put down to make. Therefore, the credit profession has made many people quit their jobs in the middle because of the pressure.
Job description of bank credit officer
Here are the tasks that every credit officer must perform, we will briefly summarize the tasks they need to do.
- Looking for customers who need to use bank services such as borrowing, making cards, saving money ...
- Advise customers who have the potential to guide customers to file procedures and answer questions if any. In this process, the credit officer will check the personal information as well as the preliminary review step if the prospective customer meets the bank's conditions and will conduct the application, otherwise will immediately inform customers to avoid time consuming. At the same time, guide customers to prepare documents and procedures to conduct bank loans.
- Evaluate customers who need to borrow money according to the types of loans they use
- Appraisal report to the higher level to inform the customer about the loan application that has been approved or rejected.
- Prepare credit contracts and related documents
- Follow up and advise customers in case customers want to pay or disburse loans.
- Carry out liquidation of contracts or consolidation of non-payment contracts to bad debts for banks to have solutions.
Salary of credit officers
Credit workers are one of the jobs in the high-wage banking sector, which can be said to be quite stressful but on the contrary, the salary is very high and attracts many people to this position. If the credit officer does a good job and meets the target, he will have a salary of over 20 million / month.
According to statistics, the average salary of each bank employee is 11 million / month, however, the credit department can get up to 50 million / month and this is only the estimated figure shown in a few banks. And even many banks have a much higher level of credit for their creditors.
Reference: How much is a bank teller?
Working conditions of credit officers
Credit workers must work in a rather stressful environment in addition to having to contact customers to find potential rare customers who also have to consult, deal with records .. they must regularly go on business trips and go to assess customers at home. In addition to working on record books, it is very hard to go to practice.
The qualified credit workers have a great ability to advance at work because the work they do requires solid knowledge and acumen, and agility can handle common situations in customers.
When choosing a bank to work with, you need to assess whether the bank is good or not, rewarding the regime, how can you refer to the article: Which bank is the safest in Vietnam male
Qualities that credit officers need
In order to become a credit officer in addition to studying related subjects you need to have the following qualities:
Good communication: This job requires you to regularly meet and work with customers so your relationship with customers must always be good in order to find potential customers.
Highly active and autonomous : Must work at the office and require them to go out to find customers as well as perform the duties of the job so they need to be proactive in time and self-discipline It is possible to complete all tasks successfully.
Be careful and meticulous: Bank credit relates to an issue so just one wrong number can bring trouble and trouble to you, so the quality of a credit officer You need to be careful or you may lose your job and pay damages to customers or banks.
Computer use as well as foreign language proficiency : Most of the processing of documents and bank records will be processed on computers, requiring credit workers to be fluent in foreign languages and qualified to believe learn.
With the information we have provided in the article, I hope you will have a better view of the work of the credit officer, if anyone intending to become a credit officer should cultivate yourself. knowledge and qualities needed to become a professional credit officer.
