Summary of bank product manager's work

Guidance: establish target market and potential customers, and conduct all-round analysis and evaluation of customers. I will introduce you to a summary article on the work of bank product managers for your reference only!

Summary of bank product manager's work-20x year is coming to an end. Before this year becomes a thing of the past, we very much hope that time can slow down and let us have enough time to sort out the past. From a fledgling fresh graduate to an enterprise financial assistant working in a bank, this role change has enabled me to survive the painful period of growth, meet one challenge after another and look forward to tomorrow forever. Over the past six months, I have closely followed the pace in my work, closely United around the central government with leadership as the core, basically completed various tasks, demonstrated the spirit of dedication and selfless dedication with wisdom and sweat, and made modest contributions to the development and growth of the whole bank.

Through learning from leading colleagues and books, I have a general understanding of the knowledge of bank credit business. Since people need to borrow goods, the founders of the banking industry have created two gods, one is that the father is called credit and the other is that the mother is called financing. Borrowing goods produces risks, financing costs, honesty is the rule, and interests become a bridge. This kind of money transaction has evolved into the belief of countless bank operators. When I first came to the corporate finance department as an intern, I had a little knowledge of the company's business and credit products. After half a year's study, I have basically mastered the elements of most of our credit products, and can give some basic suggestions and opinions according to the financial situation, guarantee situation and business characteristics of our customers through communication with them. There are many kinds of loan products in our bank. I began to learn from the most basic internal basic credit, wrote investigation reports, handled the business under credit, and conducted post-loan inspection. After learning these basic businesses, I began to learn detailed businesses such as easy loan for small enterprises, controlled financing, private debt for small and medium-sized enterprises, and non-standard debt investment. Because it is difficult to get rid of the national macro-control tool, the financial credit policy fluctuates, especially the bank's credit policy is full. In addition, while I am familiar with the business products, I actively study the credit risk control measures of banks. The lack of debtor's credit morality and the imperfect legal environment have increased the psychological pressure of creditors. There is a saying that confidence before lending has turned into worry. At this moment, income has become a loss. Look forward to tomorrow today. Almost every loan will go through a spiritual test, which shows that success is hard-won. If you lack credit experience, you won't feel the burden of the loan after the risk, and you won't be able to trigger the uneasy heartbeat during the loan collection process and enjoy the relaxation after the loan is recovered. Only when you have really experienced all this can you get the right to speak on credit. Only those who walk in risks can truly feel the viciousness of the market and the hard-won currency appreciation war. This is a silent war, which gently covers the calm wrestling and hides the wind and cloud. Under the flattening, there are traps, and credit is full of the game of intelligence, will and mind.

Secondly, in the process of work, study hard, accumulate bit by bit, and strive to improve personal marketing ability. As a prospective account manager, his duty is to serve customers well. On the one hand, he should be familiar with his business products and know what he can bring to customers. On the other hand, he wants to know what customers want. As an "ambassador" with full authority to contact customers on behalf of the bank, the account manager should actively and frequently keep in touch with customers, discover their needs, guide their needs, give them timely satisfaction and provide them with "one-stop" service. For existing customers, account managers should keep in constant contact with them, and for potential customers, they should actively develop them. The main purpose of development is to market products and strive to achieve "win-win". According to the bank's management policy, business plan and post requirements for account managers, I put forward my own marketing direction, work objectives and operation plan through in-depth research on the market. First of all, based on the principle of "win-win between banks and enterprises", we should calculate the input-output accounts of banks, calculate the accounts for customers and design the most suitable financial product portfolio for customers; Secondly, subdivide customers, establish target markets and potential customers, and conduct all-round analysis and evaluation of customers. Keep in touch with customers at all times and mobilize customer resources, use effective communication means and communication strategies to keep in touch with customers, and conduct fruitful visits and observations on customers. Third, in the interaction with customers, account managers should actively promote bank products. Be good at discovering customers' business needs, and actively suggest and recommend applicable products to customers. Report to relevant departments in time if necessary, and actively explore the possibility of developing special products for them. Fourth, strengthen risk management and effectively monitor 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 occur, they should be considered in connection with asset safety and measures should be taken in time. Establish and improve customer files and monitoring ledgers in accordance with regulations, collect and analyze data in time, and monitor customer credit status in real time; And do a good job in post-loan inspection and daily inspection, and timely collect loan interest and principal; Actively participate in enterprise management when necessary, assist enterprises to do a good job in production, operation and financial management, and minimize capital losses.

Finally, in the past six months, although there has been a lot of progress, there are also many shortcomings and some mistakes. Especially in maintaining existing customers and tapping customer resources, I haven't done enough, which is exactly where I need to work hard in the future. As a prospective account manager, you should have a clear mind and a keen sense of smell, capture all kinds of economic information in time, constantly analyze and study, find problems in time, feed back information and promote the healthy development of banking business. We should pay attention to the research and development of the market, understand the economic development trends of national industries, industries, product policies and local governments through the internet and media, analyze the marketing environment of customers, investigate customers under the premise of grasping the objective environment, understand the laws of customer capital operation, determine marketing plans in time, and consolidate the financial strength of banks. Besides, if you are not careful in your work, you will make some low-level mistakes. Delays have led to some work not being completed with good quality and quantity, which is also the crux.

20 15 years is coming. Facing the new direction under the new situation, we must make full preparations. In the past, excessive investment brought about the problem of high local debt. It is impossible to maintain economic growth solely by investment in the future, but it needs to be driven by consumption, which is difficult to achieve in the short term and needs to be strengthened. Therefore, the transformation and reform should provide us with new development opportunities, and large and medium-sized enterprises are no longer our unbreakable cash cow. The Central Economic Work Conference, which closed on February 13 this year, made it clear that we should adhere to the general tone of striving for progress while maintaining stability, maintain macro-policy stability, micro-policy flexibility and social policy support, and do a good job in all aspects to achieve a good start in economic and social development. And put forward six major tasks for the economy next year: first, to effectively ensure national food security. Second, vigorously adjust the industrial structure. Third, focus on preventing and controlling debt risks. Fourth, actively promote coordinated regional development. Fifth, focus on safeguarding and improving people's livelihood. 6. Continuously improve the level of opening to the outside world. The new tasks put forward by the state can roughly outline the tone of fiscal policy and monetary policy next year, and also warn our enterprises and financial departments to change their work style and enhance their ability to resist risks. In recent years, with the rapid development of the Internet industry and its penetration into the financial industry, "Internet finance" has become a new hot topic. It should be acknowledged that internet finance does have many characteristics different from traditional finance, and it also shows strong innovation and competitiveness. However, because it does not change the core of capital transfer between different market entities, it does not change finance itself. It can actually be classified as direct financing. Internet finance is the sum of the behaviors of financial intermediaries by using Internet technology. It is a series of new financial concepts, new products, new models and new technologies created to meet people's increasingly rich financial needs under the background of rapid development of Internet technology and flat information dissemination. In this sense, Internet finance can be regarded as a new form of "financial disintermediation". Internet finance can be regarded as the third wave of disintermediation, which will play the role of catfish in the future financial innovation and development, and will change the way of value creation and value realization of commercial banks and reconstruct the existing financing pattern. More importantly, it will bring a brand-new financial concept. Taking peer-to-peer lending as an example, its reform lies in rule reengineering, that is, through information integration mining and standardized and batch quantitative technical means, the loan efficiency is improved, the risk control ability is improved, and the loan cost is reduced.

Work summary is not a formalism that stays on paper, but a profound self-criticism in the face of the past. I will chew those lessons repeatedly, absorb those seemingly insignificant nutrients, and make due efforts for my own improvement. Facing the new situation and changes, we should improvise and follow the trend, and strive to get in next year!

Summary of Bank Product Manager's Work Part II Time flies, and 20xx years have passed in a blink of an eye. During my one-year tenure as account manager in xx Branch, I worked hard and made continuous progress. At the same time, my professional level has been greatly improved, and my thoughts have also made great progress. The work report for the past 20 years is as follows:

One or two years ago, under the care and guidance of the branch presidents and leaders, I became familiar with the new working environment in a short time. During my work, I seriously studied various financial laws and regulations, actively participated in various learning activities organized by banks, and constantly improved my theoretical quality and business skills. In the new working environment, work experience and marketing skills are lacking. In addition, the branch has newly established a foreign branch, so I have to increase the customer base first. In my work, I always strive for customers' support for our business, expand the number of my own customers, collect information and seek support through high-quality service and professionalism in a relatively short period of time, and successfully market a large number of high-quality customers and businesses such as xx Guijiu Trading Center, xx Power Industry Company and xx SME Service Center. Although my current contribution is not great, I have saved hundreds of millions of yuan in deposits and loans to prepare for the future. By the end of 65438+February, personal accumulated deposits exceeded 22 million yuan, and the average daily income exceeded180,000 yuan, and new breakthroughs were made in payroll, PS merchants, notice deposits and other businesses.

Second, since I became an account manager, I deeply understand and feel the responsibility and mission of this position. The account manager is a business card for our bank to serve the public and a hub for customers to contact our bank. The way and manner of communication with customers represent the image of our bank. I always learn communication skills, master communication methods, and treat work with the attitude of "work is my career" and the way of running forward. Collect high-quality customer information from all aspects, keep abreast of customer trends, visit the bridge between customers, go down to enterprises and institutions, go deep into customers, take the bus when there is no bus, and carry out daily maintenance for different customers as always, even if it is a blessing and greeting from a short message, it represents our bank's yearning for customers. Answering questions for customers with enthusiasm and patience, facing customers calmly with a relaxed attitude and a kind smile, conveying the information I want to know to customers quickly and clearly, communicating well with customers and achieving good results, and winning the general recognition of customers for my work. In the credit business, do a good job in pre-loan investigation, post-loan inspection and follow-up investigation, and submit the examination and filing materials in time. Over the past 20x years, the accumulated loans amounted to more than 33.5 million yuan, and the loans were collected on time by 64 1 10,000 yuan, among which there was no bad loan or bad credit. At the same time, high-quality operating profits were obtained, personal compliance work was realized, and the safety of credit funds was ensured.

Third, the existing problems

In the past year, although I made some achievements in various aspects, I also clearly saw my own shortcomings.

(1) Not enough study. Facing the deepening of financial reform and the diversification of market economy, how to master the latest financial information and the development of our city sometimes can't keep up with the pace.

(2) Excavate the existing customer resources, select the best customer, improve the quantity and quality of customers, and enhance customers' greater contribution and loyalty to the bank.

(3) further customer service, down-to-earth, improve work initiative, do more and talk less, and improve yourself in practice. I am trying to correct the above shortcomings.

Fourth, the direction of future efforts.

In the new year, I will make persistent efforts, pay more attention to the study and research of new laws and regulations, new businesses and new knowledge, improve my working methods, make active efforts, enhance my sense of service purpose, show my dauntless spirit and pioneering spirit, consolidate my business foundation, work hard in a higher and further direction, and solve all kinds of difficulties encountered in practical work with "new" work.