What is the position of the loan officer in the bank? What does he mainly do?

Loan officers are now also called account managers in some banks, whose main job is to issue loans and other marketing tasks such as deposits. If the loan officer has strong marketing ability and the bank's incentive mechanism is good, it can find more high-quality loan customers for the bank and create more income.

Loan officer-the common right-hand man of the bank! The loan officer is the son of the bank. The loan officer is responsible for the maintenance and operation of the bank's main income source-loan business. Without excellent loan officers, banks will have no chopsticks to eat, or they will not be full, or their teeth will be broken.

From the work content, the main tasks of loan officers are to maintain the relationship between loan customers, loan investigation, contract signing, mortgage procedures, post-loan maintenance and so on. In addition, it also undertakes work other than the counter business of the branch, such as research and analysis, logistics support, etc. Therefore, compared with tellers, the work of loan officers is more complicated and the working hours are more flexible. Don't get me wrong, the working hours are just a lot more. If the teller is "rapid fire", then the job of the loan officer is "slow fire". It is also normal to work overtime to sort out information and write investigation reports. Many times, people rest, and their brains don't rest.

From the risk point of view, there are no strict standards for credit investigation and review, which means that there must be subjective judgment in credit opinions. In case of credit risk, loan officers will be responsible for their opinions to a great extent. Therefore, a good loan officer needs not only the irrigation of knowledge, but also the precipitation of time and experience.

In terms of promotion, the vast majority of outstanding presidents come from the loan officer sequence. Mastering credit knowledge skillfully is the basis of communication and negotiation with customers. If you want to make a profit, you must make a private financing plan for your loan customers. After all, financing is the key for banks to precipitate customers into loyal customers.

There is no distinction between high and low in banking work. No matter what position you are in, hard work is king. Whether it is a good post or not depends on the actual situation of the individual.