Credit officer personal 2020 annual work summary

Credit officer personal 2020 annual work summary 5 articles

Bank credit officers need to have judgment and keen observation, listening, affinity and communication skills. I'm here to bring you credit clerk personal 2020 annual work summary 5 articles, I hope you like it!

creditors personal annual work summary 1

Time quietly passed, the days of work in _ credit union has been almost three months, as a rural letter a microcredit officer touched a lot, on this period of time to talk about their own point of experience.

First of all, I would like to talk about my personal work attitude, this job is my first job after graduation, so I regard it as a treasure, and this time I can be fortunate to be transferred to the _ credit union as an account manager, really from the heart to feel happy. In these years of work, often hear a lot of people say that this job is too hard, too tired, said the salary is too low, but I do not think so, this job, it solves my life security, gives me the direction of my career, so that I clearly know the future of the stage in the direction.

In the process of work, I have been using the "two degrees, two forces, two hearts" standard to require themselves. Two degrees: cooperation degree, positive degree; two force: professional force, execution force; two heart: responsibility, sharing heart. By analyzing, researching, summarizing and focusing on the experience and lessons learned from previous work, and rising to the height of the theory to understand.

First, look at the words, accurate

Because we are doing credit loans, if you take the first step to look at the wrong, the future collection of loans when you say more good words, I'm afraid it is very difficult to achieve your expected results. Collections are most afraid of this kind of people who have money but are not willing to pay back, rather than those who really have no money and no way to pay back.

Second, the quality of customers, fine

We have to thoroughly understand the "20% of customers, creating 80% of the revenue, business units, customers only God," the essence of the Avenue, to grasp the loan risk can be controlled on the basis of control, vigorously tap the development of high-quality, good customers, revitalization and maintenance of the old customers, so that the service becomes an external part of our agricultural credit union. We have an external brand advantage of the agricultural credit union.

Third, the management of people and accounts, fine

With the development of the market, economic prosperity, the increase in the number of loan customers, a qualified account manager to have the business knowledge and the comprehensive quality of the requirements have increased a lot. To understand the fine management of customer information, to understand the actual needs of customers and capital movements. To reasonably allocate work time, to do "timely and practical, practical and effective". Management accounts, to do real-time detection, on time under the account on the account, so that "the account is consistent with the account, the account equal.

Fourth, do people do things, sunshine straight

"Words are right, the body is right, the line is right; brain clear, hand clear, people from the clear," I like this sentence, I think it makes sense, everyone has their own principles and standards for dealing with the world, and if you adhere to the principles of the natural trend of morality, perhaps it will allow you to go! The first thing I want to do is to make sure that you have a good understanding of what is going on in your life. Credit this post, precisely this aspect of the rules and regulations to constrain the dark side of human behavior and ideas, compliance review loan, lending, management loan is the responsibility and obligation of each of our creditors.

Fifth, the future of professional knowledge, work ability and specific work

1, under the guidance of the leadership, clear procedures and direction of the work, to do in the heart of the idea, the brain has a conception, the hands of the approach, the implementation of action to improve the ability to work in the specific work of the formation of a clear idea of the work. After doing microcredit, I in line with the "do a good job, do real, make the effect" such a goal, to develop a sense of innovation, and actively and successfully complete the work assigned by the leadership, in the remaining time, to strengthen the study of business work, for the next step in the work of laying a good foundation. Clearly the direction of effort, put forward measures for improvement.

2, seriously, on time, efficiently do the specific work assigned by the leadership. For the smooth progress of work and coordination of work with the credit union, in addition to doing their own work, but also actively cooperate with other colleagues in the credit union to do a good job.

3, work attitude and diligence and dedication. Love their own work, to be able to correctly and seriously treat every detail of the work, eager to serve the farmers, seriously abide by labor discipline, to ensure that the attendance on time, and adhere to the post.

Summarized the work of these three months, although there is a certain progress, but in many areas there are still deficiencies. For example, there are creative ideas for work is not a lot, loan expertise, experience is still lacking, business class customer information is too little, which is to be improved in the future work. In the days to come, I will seriously study the policies and regulations, and strive to make the work efficiency comprehensively into a new level, and make more and more contributions to the development of the credit union.

Credit officer personal annual work summary 2

Over the past year, I conscientiously implement the State Council's financial reform guidelines, policies, learning, with the "Three Represents" as the guidance of the important idea, closely around the adjustment of the structure of the agricultural and rural economy, and adhere to the "three rural" service purpose, according to the "three rural" service purpose, and the "three rural" service purpose.

A conscientious study

I can conscientiously study the relevant financial laws and regulations, study the relevant ___ business rules and regulations and business knowledge, to improve their own business quality, to strengthen their own cleanliness and self-discipline education, loyal to their duties, and do things according to the law. At the same time regularly organize staff to learn the spirit of the relevant documents at the higher level, to strengthen the staff business practices, to strengthen the education of staff integrity and self-discipline, legal education and security awareness education, so that ___ the work of the operation of the rules and regulations.

Second, improve the rules and regulations

Efforts to improve and perfect the rules and regulations and pay close attention to the implementation, not only in accordance with the implementation of the provisions of the higher level, but also in accordance with the actual development of ___ the corresponding work guidelines and business assessment methods, so that there are constraints on the work, but also to promote each other, and achieve the smooth implementation of the work and achieve a certain degree of efficiency.

Third, the work

1, according to the economic characteristics of the ___ region, the timely grasp of the deposit organization, so that all the staff have the task, all the staff grasp the absorption of deposits. The first three quarters of this year, the annual increase in deposits ranked first in the region.

2, in time to grasp the "clear non-" risk and interest collection work. At the beginning of the year to do a good job of "clear non-" general planning, mobilization, according to seasonal income in a timely manner to implement the collection of work, and shrimp income season organized the "100 days to clear non-" action, non-performing loans have been effectively controlled, the efficiency has been significantly improved.

Fourth, efficiency performance

The end of the deposit balance of ___ million yuan, a net increase of ___ million yuan, to complete the plan of ___%, the loan balance of ___ million yuan, an increase of ___ million yuan, deposits and loans ___%, to control within a reasonable ratio; non-performing loan balance of ___ million yuan, down ___ million yuan, accounting for ___%, down ___ percent; profit book number of ___ million yuan, (the actual number of ___ million yuan) to complete the plan of ___%. The actual number is __ million yuan) to complete the plan of __%.

V. Inadequate aspects

I business level, management ability is not high, slow business development, non-performing loans remain high, slow rate of clearance, two dud loans rose, the potential for increased risk, there is a disproportionate share of the loan enterprise four, capital adequacy ratio is seriously insufficient, the book ___ million yuan of the amount of the loss, the office conditions, the precautionary facilities and the employees' living conditions, the working environment did not improve.

VI. Improvement measures

Strengthen their own business theory learning, further improve the business level and management capacity, increase the "clear non-" efforts, especially the collection of "two dud" loans, and efforts to solid support for the "three rural". "Three rural" loans, compression of large over-ratio loans, increase revenue and expenditure, improve operational efficiency, improve the capital adequacy rate and loan offset rate, as soon as possible to reduce and dissolve the risk.

creditors personal annual work summary 3

time like a shuttle, turn of the eye has been to the end of the year, as of today in my bank work time just ___ months, in this period of time there are joys and sorrows, there are achievements and mistakes, in our young, united in the large collective, I learned a lot of feelings are also a lot of feelings, I think only in our special ___ position more to let me appreciate what is growth, 20 __ year is about to pass, now on my work this year to summarize, but also on next year's work to do a prospect.

First, the work achievements report

From the __ of no knowledge to now can independently complete a survey, step by step, step by step learning, bit by bit accumulation, as of today, I issued a total of __ million yuan of loans, the number of pens __ pens, marketing customers __, no overdue customers, although the results from the bank leadership of the assessment of me and my own requirements and there is a big gap, but I'm also very pleased that I can start from scratch. I am also very pleased that I can start from scratch, from the most basic, which will be a greater incentive for my work next year.

Second, review the work carried out

I am honored to be the first batch of my bank ___ account manager, of course, as the first batch of certainly have to pay more hard work and efforts, ___ month of the beginning of the ___ training so that I appreciate ___ work of the particularity of the work, which is not my traditional thought of the bank's work are in the office office, on the contrary, the ___ account manager shuttles in the city's streets and alleys, high buildings and forests. On the contrary, __ account managers travel through the city's streets and alleys, high-rise buildings and forests. __ is not only a discipline but also a technology, rigorous thinking, effective communication, keen judgment, systematically put the figures and information with a questionnaire to restore the basic situation of the customer, in the training teacher's help, I now basically mastered the __ technology, can independently complete the investigation of __ million yuan, but to master this technology, to become a mature customer service manager,

is more It takes three or five years of refining to be able to put in and out of this work. After three weeks of training in ___, we returned to ___ in the middle of ___, and began to launch the ___ market research work, we in the form of customer questionnaires, the ___ downtown streets and alleys of individual businessmen, small businesses, financing needs, the industry's basic situation to do a general understanding of the bank for the ___ product launch, the market to promote the laying of a certain foundation for ___ promotional leaflets on ___ month After printing out, we once again go to the market, not missing every small store, stalls so that our bank's ___ products in the fastest possible time to appear in the market of ___, the effect is also relatively significant, there are constantly customers to our bank to consult and handle loan applications. We began to formally carry out the work, but also when we began to apply the theory to practice, at first face to face with the customer, the investigation is not in order, did not take into account the correlation between the details of the characteristics of each industry are very superficial understanding of the information provided by the customer judgment is also weak, and customer communication is also very poor, in our training teacher's patience and guidance and help, these conditions are now improved, the investigation slowly began to have a suitable idea of their own, the investigation is also a good idea. With the patient guidance and help of our training teachers, these situations have improved, and the investigation has slowly begun to have its own ideas and methods, cross-checking between information, screening information, and controlling loan risks have all been improved. However, there is still a lot of knowledge I need to learn, a lot of problems I need to solve.

Third, the work of the existing problems

In the past _ months, although the work of a certain progress, however, I also clearly see the inadequacy of their own, one is not enough to learn, in the face of the different circumstances of the industry, we are new to the credit industry account managers inevitably do not have a comprehensive enough understanding of the industry, not enough to accurately grasp the customer's grasp of the work of the future, I must learn more, not only in the work summarized, but also to learn. Not only to summarize in the work, but also to take lessons from the network and colleagues. Secondly, customer resources are not enough, the customer is fundamental, only to improve the number and quality of customers, only to improve our performance, at present I have customer resources have ___ City Trade Association members list, and some of the downstream list of the customers have been loaned, but these are far from enough, we also need to dig deeper into the customer's resources, according to the industry and the market is different, specific to do a marketing plan. Third, to improve their own work initiative, down-to-earth, more work and less talk, perfect and improve themselves in practice, improve their working methods, so that the efficiency of the work greatly improved.

Fourth, look forward to 20__ year

20__ year will be another brand new start, I set the goal of their total loan amount of ___ million yuan, doubled in 20__ year on the basis of an increase of ___ million yuan, I did not set the goal too high, because I know that no matter how much I set the goal for themselves, I will be the same effort, I hope to complete their own goals are more able to I hope to accomplish my goals more than that, and achieve a satisfactory result in the next year.

With the end of the 20__ year quietly approaching, I embarked on the work of a year, from the beginning of the business skills of the lack of confidence, to the present can be alone to analyze the credit business, which happened to the various really benefited a lot. Looking back on this year's work, in the bank's leadership care and the help of all colleagues, I seriously study business knowledge and skills, proactive performance of their duties, summarize the shortcomings of the work in a timely manner, and strive to improve the quality of the business, and better complete the individual's work tasks, in the ideological awareness, business quality, operational skills, quality service have improved to a certain extent. Now the year's experience and experience is summarized as follows:

First, ask the canal that is as clear as Xu, for there is a source of living water

People engaged in whatever occupation, need to continue to learn, in the ideological, cultural, business aspects of the living "source of water", only then, in order to continue to make progress, to maintain a canal of clear water. The only way to make progress is to keep a clear spring.

In the face of this post of creditors, I was a bit unsure at first. The field to understand the customer's basic situation, business information, investigation to grasp the customer's loan purpose, willingness to repay, analyze the customer's repayment ability, etc., these for only a few days of training for me, there is a great deal of difficulty. At first, I always thought in my mind, what if I analyze the mistake and put the money out to pay back? So I often called the masters of Ordos Head Office during the training to ask for advice. Communicate with them about the doubts in their mind, and think and summarize by myself after getting careful replies. Learning by doing has given me a new understanding of credit work and increased my confidence.

At the same time, I y feel my own shortcomings in this area, only from the practice of learning is not enough, but also need to supplement the theoretical knowledge, so I actively use the spare time to strengthen the financial theory and business knowledge of learning, and constantly enrich themselves. The company's main goal is to provide the best possible service to its customers. The company's main goal is to provide the best possible service to its customers, and to provide the best possible service to its customers.

Through the accumulation of experience in practice, specialized training and self-study, I gradually mastered the loan business and operation process. Business work ability, comprehensive analysis ability, coordination ability, written language expression ability, etc., have been greatly improved.

Second, based on the work of an enterprising, hard watering credit flowers

I love my job, can seriously treat each task, the country's financial policies flexibly embodied in the work. Seriously comply with the rules and regulations, to be able to complete the tasks assigned by the leadership in a timely manner, and proactively carry out business, looking back on this year, the hard work of sweat finally came to a gratifying result.

1, unity and discipline, to improve operational efficiency to do their best. Over the past year, I have been united with my colleagues, obeyed the arrangements of the leadership, and proactively do their jobs.

2, strengthen awareness, proactive marketing loans. After slowly contacting the credit work, I continue to strengthen their awareness of loan marketing, breaking the "fear of credit" idea, seeking good efficiency of the lender, in order to ensure the quality of credit assets under the premise of taking the initiative to do a good job of lending the market investigation, for those who have the market, creditworthiness of the individual industrial and commercial households to give credit support.

3, adhere to the principles of credit, do a good job of credit investigation. I know: the quality of credit assets is related to the bank's business development plan, the responsibility is heavier than Mount Taishan, not the slightest sloppiness. Over the past year, adhere to each loan are meticulous and serious investigation, from the borrower's qualifications, credit, production and operation of the project's current situation and prospects, the ability to repay, to the guarantor's qualifications, ability to ensure that the legal validity of credits, pledges; from the inspection of inventories, the reconciliation of current accounts to the housing and equipment on-site inspection; from the calculation of assets and liabilities, the analysis of production, sales and profits to the net cash flow of business projects, the study, the study of the net cash flow of business projects, the study and the investigation of the creditworthiness of the bank. From the calculation of assets and liabilities, the analysis of production, sales and profits to the study of the net cash flow of business projects, the determination of the degree of risk of the loan, until the reasons for the proposed loan or not, each link I am carefully investigated, without a hint of slackness. In the pre-loan investigation, I did "three must", that is, the loan conditions must be in line with the policy, the loan documents must be legal original, the lender and the guarantor must be present to verify the signature, and to do the same treatment of acquaintances, to ensure that the loan issuance of compliance, legal.

4, strengthen the management, efforts to clear the loans. The company's main objective is to ensure that the customer's business is well managed and that the customer's income is well known, so as to ensure the timely recovery of the bank's loans.

Third, the road is long, I will be up and down to seek

A year's work has gradually come to an end, some of the achievements, inseparable from the leadership of the line of strong support. I know that I still have a lot of shortcomings, through a year of sharpening and exercise, I learned a lot of knowledge as well as the reason for being. The road to credit is long, I will be up and down to seek.

In the new year, I will strive to overcome their own shortcomings, study seriously, and strive to improve their own quality, actively explore, fulfill their work responsibilities, and obey the leadership. As a good staff assistant, with all the staff, unity, for the bank's operating efficiency, to complete the future year's goals and tasks to make their due contribution.

Credit officer personal annual work summary 5

I am a credit officer of the ___ branch, investigating the loan customers up to ___, successful lending ___, the issuance of loans amounted to ___ million yuan, and all loans belong to the normal category of loans. Since the arduous trek from zero on the credit road. I think there are the following points of experience;

In the face of the creditors this post, the beginning of my really some timidity. Since ___ years of work, the need to run to the customer's home, the field to understand the customer's basic situation, business information, investigation to grasp the customer's loan purpose, willingness to repay, analyze the customer's ability to repay. These are not good at socializing with people for me, it is too difficult. At the beginning of the month, I always think in my mind, put the money out to pay back how to do? Sometimes I beat a retreat, and I think it's better to continue to do my old job.

Branch leaders understand the general mentality of the creditors, timely and everyone to talk, let everyone free their minds, put down the burden, said: "not yet dry do not easily deny themselves, you will slowly like the credit this post." The leadership's patience and enlightenment and the portrayal of the development prospects, so that everyone on their own work gradually drummed up the courage. Ideological concerns were eliminated, and the whole team began to be energized. I, like everyone else, was also greatly encouraged and determined to learn from scratch.

Through specialized training and self-study, I gradually mastered the microfinance business and operational processes.

Through the branch's strong publicity in the early days, there are some customers who have the need to start door-to-door counseling, and I also ushered in the first loan customers. The first thing I did was to go to the hospital, and I was able to find a way to get to the hospital, and I was able to find a way to get to the hospital, and I was able to get to the hospital, and I was able to get to the hospital. The customer was a farmer with more than 10 years of farming history and a very good understanding of the market. At the customer's home, I introduced myself and then began to ask questions one by one according to the order of investigation required during the training. Because it was the first time to communicate with the customer "marketing", coupled with insufficient understanding of the ___ industry, the heart is very nervous, asked less than 20 minutes, the customer suddenly said: "I do not lend, you go, not just a little loan from your bank, with the interrogation of the prisoners. " I see the situation, rushed to explain, but the farmer is no longer cooperate. I have no choice but to return with my colleagues, the first marketing this "abortion".

On the way back, I tossed and turned to recall the scene just now, and asked my colleagues what their feelings were. After analyzing, I found the answer: the problem is not in the customer, completely their own simply will not communicate with customers, do not understand each other's needs and difficulties caused by the embarrassing situation.

Ask yourself, if you are always so bad at communicating with customers, who will dare to come to me for a loan? I'm not sure if I'm going to be able to do that, but I'm going to be able to do it," he said. From then on, every day after work with colleagues on the street for publicity, chatting with small merchants, practicing the introduction of the loan business; after work, but also visit friends and relatives, the introduction of the bank microcredit, as they practiced objects. I have been practicing with them as the target of my practice. Now I think my communication skills have improved a lot. The first step is to make sure that you have a good understanding of how to use the Internet and how to use the Internet in a way that will make you feel better about yourself. We investigated and learned that.

Development of credit villages will be the branch's future focus on the development of customers, in-depth understanding of the grasp of the business situation of farmers and the law, as soon as possible to understand the industry, is their own first task. Through relatives to find a few farmers, with colleagues to go to the field to understand the situation. Over time, gradually get used to this kind of work.

A year's work performance is not ideal, but I am y convinced that my work is inseparable from the leadership and the credit department team's concern and support for me; at the same time, I am more grateful to my family, who have been supporting my work behind the scenes. I want to use "give up a small family to care for everyone" spirit of dedication, work hard to do a qualified ___ bank creditors.