Chapter 1: Bank Account Manager General Motors Year-end Summary In a blink of an eye, I have worked in xx Bank for X years. With the help of my leaders and the support of my colleagues, I have grown from a law student to a bank employee who can master most of the business skillfully. In 20xx, I transferred from xx Branch to xx Branch as an account manager. Looking back on my work and life this year, I feel that I have gained a lot. Now I will summarize my study and work this year as follows:
First, strengthen study and improve quality.
In February this year, I was transferred from xx Branch to xx Branch as an account manager. There was little contact with asset business before, and various businesses changed a lot. This requires me to calm down and re-learn the knowledge of credit business. After getting to work and clearing my mind, I consciously strengthened the theoretical knowledge of various financial products, improved my understanding of our financial products, and became familiar with the credit business in a short time. With the help of the leader and the master, I soon got used to it. I think only after I have a thorough grasp of the business can I provide better service to my customers. As an account manager, I deeply understand and feel the responsibility of this position. The account manager is the business card of our asset business to serve the public, and it is also the hub for customers to contact our bank. How to serve customers better is what I need to learn and make progress. On the one hand, we should be familiar with our business products and know what we can bring to our customers. On the other hand, I want to know what customers need, especially the latter, so that I can have a clear aim.
While strengthening professional study, we also actively study political theory and improve political quality.
Second, keep your feet on the ground and work hard.
As an account manager, I work hard. My job is mainly the asset business of banks. While creating benefits for the company, I must always grasp the business risks. I can't bring losses to the bank because of my negligence. This requires me to be careful, observe carefully, investigate truthfully, report carefully and analyze professionally. While maintaining existing customers, I will try my best to tap new customers, meet the needs of customers with professional business processing ability, give priority to obtaining operating profits while achieving personal compliance, and ensure the safety of credit funds.
Third, there are shortcomings.
It is necessary to tap the existing customer resources, select the best customers, improve the quantity and quality of customers, and enhance customers' greater contribution and loyalty to banks. I need to further overcome my impatience when I was young, keep my feet on the ground, improve my work initiative, do more and talk less, and improve myself in practice.
In the new year, I will make persistent efforts, pay more attention to the study and research of new laws and regulations, new business and new knowledge, improve my working methods, work hard, enhance my service awareness, and strive to make progress in all aspects to become an excellent account manager.
Chapter two: year-end summary of bank account manager. Due to work needs, I worked as a department manager in the personal business department of a branch from the end of xx to the beginning of xx. According to the working ideas of the Party Committee of the Bank and the current situation of personal business development in the sub-branch, the working direction of "paying attention to traditional business, paying close attention to new business and promoting steady and rapid growth of personal business income around new economic growth points" was established.
I. Promoting the steady growth of deposits and loans
Under the correct leadership of the Party Committee of the Bank, various labor competition activities such as "Spring Action" and "Summer Passion" have promoted the steady growth of savings deposits and personal loans. Thanks to the joint efforts of employees of the whole bank, by the end of X, savings deposits had increased by 1 10,000 yuan on the basis of the balance at the beginning of the year, completing xx% of the plans issued by the branch, and various loans had increased by 1 10,000 yuan compared with the beginning of the year, and xx has been better in recent years.
Combined with the high-quality transport capacity of xx Yangtze River waterway and the investigation of the three rural personal finance business department of the municipal branch, the Measures for the Administration of Personal Ship Mortgage Loan of xx Branch of Agricultural Bank of China (for Trial Implementation) was issued, and the bank became the first branch to offer personal ship mortgage loan. As a big water transportation county, we have a new economic profit growth point.
Two, promote the sustainable development of the work of agriculture, rural areas and farmers, and reduce the loan risk of agriculture, rural areas and farmers.
We will continue to promote the work of agriculture, rural areas and farmers with the support of "Nongshangtong", "Huinong Card" and "micro-loan" to collect the information of xx households, organize a training meeting on the installation and use of Nongshangtong in X, install xx units of Nongshangtong at one time, open a small cash withdrawal Nongshangtong xx, and broaden the card environment of Huinong Card.
Under the leadership of the president, we went to three rural outlets for a thorough investigation. In view of the current situation of "the growth of non-performing loans of small-scale agricultural loans" and the actual situation of farmers, the scheme of "prosecuting part, deterring part, collecting part at home and suspending part" was formulated and implemented to prevent the non-performing loans of small-scale agricultural loans from being blocked. Through various means, the county * * * recovered xx million yuan, and the non-performing rate was controlled below x%.
Three, pay close attention to the development of new business, wealth management products and gold sales to achieve zero breakthrough.
In view of the new changes in the financial market and customer demand, we will promote the marketing of wealth management products from the interests of customers. First, it took the lead in marketing the wealth management products of xx million yuan. Secondly, I worked out a reward method for wealth management products, and then explained the spirit of wealth management products to the director, lobby manager and account manager. At the beginning, every time there is a new wealth management product, the information and key points will be printed to the lobby manager Wang Xiaoyan and others, and marketing will be pushed away from point to point. By the end of September, * * * had sold financial products of RMB xx million.
In view of the recovery of the gold market and the requirements of customers, the lending branch agreed that the branch's business department, with the support of the bank leaders, would coordinate the internal departments such as xx Bureau, xx Bureau and branches, so that the branch's business department could successfully sell physical gold in X month, and organized the marketing of xx grams of physical gold in that month. In X month and X month, they both won the second prize of precious metal sales competition in the business outlets of China Agricultural Bank Sanshi Branch, with a bonus of X thousand yuan each.
Fourth, attach importance to the development of credit card business.
Strictly control the incremental quality of credit cards to avoid the phenomenon that "bad money drives out good money" in monetary science from happening to platinum credit card customers. For the existing platinum credit card customers, we should change the current situation of "re-issuing cards, ignoring management and neglecting education", sort out the original customer groups, pay equal attention to kindness and credibility, guide customers to use platinum credit cards correctly, spend money reasonably and earn points reasonably, and avoid malicious cash withdrawal and malicious overdraft. Give continuous use and appropriate increase to customers with high points, high installment and high contribution rate, and give credit relief and credit lock to customers with low points and no installment, so as to promote the benign, healthy and sustainable development of credit card business.
Under the correct leadership of the card department of the branch and the bank leaders, I led the account managers of the finance department and outlets to actively develop credit card installment repayment and credit card installment car purchase business. On the third day of xx year, ABC added X million yuan in installments every month, and the number of new cars per month was xx, ranking second. X-month branch provides xx million yuan per month, and new cars provide xx vehicles per month, ranking second. In Xx month, xx Sub-branch added a monthly installment of xx million yuan, with a monthly increase of XX vehicles, ranking second, and was awarded an incentive fee of XX million yuan by the branch to the Agricultural Bank of China. This year's credit card business income increased by xx million yuan compared with the same period of last year, with a growth rate of x%, which made a great contribution to the intermediary business income this year.
Chapter III: Year-end Summary of Bank Account Manager I was transferred to xx Bank in 20xx, and now I am the account manager of xx Bank. As a grass-roots account manager for X years, I have been strict with myself, dedicated and enterprising, and achieved good results, which have been recognized by customers and praised by leading colleagues. By the end of 20xx, the accumulated loan contract amount is RMB X million, and the accumulated loan is RMB X million. None of the completed and recovered loans is defective. I have great love and passion for the sacred profession of xx bank account manager, expressing my lifelong regret! Now I will report my personal work performance in the past 20xx years and my next work plan as follows:
First, strengthen theoretical study and improve comprehensive quality.
Over the past X years, I have adhered to the requirements of policies and relevant rules and regulations, and constantly standardized business practices; Earnestly study and implement the spirit of superior documents, strive for survival in management and development in competition. At the same time, in order to continuously improve their theoretical level and management level, they made detailed study plans, persisted in studying financial theory and relevant policies and documents of rural credit cooperatives reform, and their theoretical level and leadership ability were significantly improved. We updated our knowledge and business, put what we have learned into practice, and correctly used Scientific Outlook on Development to carry out our business work. First, be proactive, take the excellent completion of one's own work as the specific requirement to test one's ideological style, and take the good or bad work performance as the standard to test one's understanding and cognition of the theory; The second is to strive to improve the business level and operational ability. I constantly sum up my experience and actively communicate with my colleagues around me, trying to get familiar with the new working environment and content in the shortest possible time. During the period from 20xx to 20xx, the deposit increased from RMB x million to more than RMB x million, among which the intermediary business, credit card, insurance, non-performing loan collection and other assessments were overfulfilled, ranking among the best in the bank's performance, and I was elected as an excellent account manager for 20xx years in a row.
Second, persist in being realistic and innovative, and do a good job in various businesses.
In daily work, I can start from my own work reality and devote myself to my work with a good sense of overall situation, innovation and responsibility. Facing customers with quality service; Work hard and repay the trust of the leaders. Adhere to the scientific attitude and down-to-earth spirit, and conscientiously do all the work.
1. Create customer profile information. Often get to know the customers of X company in charge, master the first-hand information of customers, collect and sort out customer information, and establish and maintain complete customer files. For example, after I learned from a customer's communication that the company was going to raise funds for its employees, I intervened in time. Through external public relations, internal coordination and overcoming various difficulties, I finally successfully issued a personal loan of more than X yuan in 20xx 10.
2. Establish a credit service system for key enterprises and individuals. I often maintain good personal relationships with important customers of enterprises. For example, at the end of 20xx, I chatted with a leader of Company X and learned that the company was a little short of funds, and I was trying to alleviate the financial difficulties by delaying the payment of electricity bills to the power generation company. After I learned this information, he asked the superior bank whether the bank still had the scale of issuing bills, and at the same time mobilized the business leaders to use the bills of other branches to solve the financial difficulties. Through his unremitting efforts, he increased the bill business of X billion yuan for the branch.
3. Do a good job in deposit marketing. Under the leadership of the president's office and the marketing department, cooperate with the network director to do a good job in deposit and loan business and intermediary business. In my business activities, I put serving the grassroots and customers in the first place, and my communication with outlets and customers is in a harmonious state, and many things are solved. Our customer department has more management functions than the agency security department, and more management functions than the business outlets. It is necessary to manage and operate. For the business departments, outlets and key customers of the superior bank, our tasks are quite heavy and our responsibilities are also considerable. Customers are the foundation of the development of commercial banks, and commercial banks strive to tap customer resources to ensure the realization of their tasks. First, make full use of our settlement advantages, find a town-oriented account opening unit, and tap many high-quality customers from it. The second is to dig other bank deposits, aim at the unit to find relationships, and attack in all directions. Actively establish a good emotional relationship with customers, form a customer-centered business philosophy, think about what customers think and worry about what customers are anxious, so that customers can truly feel the superiority of our branch. At present, the following achievements have been made: in terms of international business, the settlement volume last year was more than 10 thousand US dollars, which was in the leading position of the branch; The loan stock is X billion yuan, including short-term X billion yuan, housing and medium and long-term X billion yuan. There are more than X households, and the current loan stock or number of households ranks first in the city.
4. Actively carry out loan marketing. In order to meet the needs of farmers and rural economic development in the new era, solve farmers' loan difficulties, increase farmers' income, and improve the level of banking business, the Bank actively promoted farmers' micro-credit loans according to the requirements of the "Action Plan for Supporting Agriculture and Benefiting the People" carried out by provincial branches, and publicized our policies and service commitments for benefiting farmers. Based on the principle of "benefiting farmers and enriching the people, supporting agriculture and enriching the people, being honest and trustworthy, treating them differently, being fast and efficient, facilitating farmers and giving priority to credit users", we will innovate our working ideas, strengthen our marketing concept and vigorously promote the "Supporting Youth Entrepreneurship Project" and "Credit Construction Project". In order to ensure the smooth development of supporting agriculture and benefiting the people, I often go deep into farmers to understand their needs and ideas, and also participate in the on-site evaluation of credit users, on-site loan issuance, and open credit operation procedures with township cadres, so as to enhance people's understanding and trust in "X" and ensure the smooth development of X-ray "Huinong Card". In 20xx, I have issued various loans/kloc-0.1 billion yuan, which effectively promoted the structural adjustment of agricultural industrialization and the transformation and development of small and medium-sized enterprises.
Third, be strict with yourself and establish a good image.
As a customer manager in the financial industry, people who are in contact with successful people from all walks of life will inevitably encounter various economic temptations. In the face of these, I have skillfully resolved, lead an honest and clean life, maintained the true colors of an excellent account manager, and set an industry model. More and more individual customers have made their assets more rationally allocated and realized more effective value-added and preservation through professional and honest quality services. Many customers have repeatedly expressed their gratitude by giving me gifts or cash, and some even sent me gifts or shopping cards directly. Faced with this situation, I didn't directly refuse the customer's kindness, but made an appointment with the customer alone, returned the gift to the customer quietly and intact, patiently explained the bank's policies and systems to the customer, and expressed my heartfelt thanks to the customer for his appreciation. After my proper handling, these customers not only took the initiative to take back the gifts, but also trusted and respected me more than before. These small "episodes" did not affect the feelings between me and my customers, but made my relationship with my customers more harmonious. Many customers will sincerely say that I am their trustworthy person!
Chapter four: The bank account manager summed up the general manager's work in the bank at the end of the year, and I actively did a good job. As an account manager, I also serve customers dutifully. At the same time, I also cooperated with my colleagues to complete a work of the department. Everyone also United to finish some work. Over the past year, I have accumulated some experience and found some problems of my own. I want to improve it. This is also a summary of my account manager's previous work.
In order to maintain a good customer, I also actively contact, and I also know that my work in this service is also to meet the needs of a customer. At the same time, you need to know the work of this position and understand the latest situation and policies of the bank. Only in this way, customers can better understand some situations and make decisions. I also actively do a good job as an account manager in the service. I understand that the task is not so easy to complete, what is needed is patience and meticulous work. Of course, I understand that it is not so easy to do a good job. I will plan what I want to do every day. The more important things should be done in advance, and some less important things can be put behind. At the same time, I will try my best to meet the needs of some customers and get their affirmation. After working for one year, I will get a lot of affirmation.
Besides doing a good job, I also actively study and improve myself. I couldn't come to work in the bank for half a month during the epidemic. I also actively studied some things and planned my work for one year. Although I have done it before, I also went to improve myself and see some of my problems and how to improve them. And I was at home during this time, but I also read some books. I also discussed some work with my colleagues, found the solutions to the previous problems, and realized that some aspects of myself have been improved. Of course, after working for one year, there will still be some new problems, which I have never seen before. It can be said that with the accumulation of experience, I can better see the rough or optimized aspects of my previous work, which is also a kind of growth. Let me know more about reflecting on what I have done to improve myself. As an account manager, I also actively cooperated with other colleagues to complete other work in the bank, and I didn't slack off, which also gave me more opportunities to get in touch with work.
Although time passes quickly, it is also very fulfilling. I also have my own work plan for the coming year, and I will continue to do a good job as an account manager to satisfy customers.
Chapter 5: Year-end summary of bank account manager GM is fortunate to be a member of the warm family of xx CCB. Since I joined the company for four months, I have been assigned to xx Branch as an intern. In this exercise, I can actively participate in the political and business study organized by branches and sub-branches, learn correctly, abide by rules and regulations, respect leaders, unite colleagues, make clear the purpose of exercise, obey arrangements, actively participate in internal affairs, humbly ask for advice, and actively apply the theoretical knowledge learned in the university to practical work. Although I have only studied in this position for one year, I have benefited a lot from it and felt deeply. The main results are summarized as follows:
Ideologically: on the one hand, strengthen political beliefs and strive to improve ideological awareness. On the other hand, the customer-centered service idea has been established, and the importance of customer-centered construction bank has been further recognized through study and practice. During the training of provincial banks, I learned the customer-centered service concept from the class of provincial bank leaders, but my understanding at that time only stayed in theory, without personal experience. After coming to the counter, I found that this is not an empty slogan. In the financial industry with unprecedented fierce competition, only by firmly establishing the customer-centered concept, serving customers wholeheartedly and creating more convenience and wealth for customers, especially in this era of unprecedented fierce competition in the financial industry, can we be invincible in the competition only by firmly establishing the customer-centered concept and serving customers effectively.
In business, I have also gained a lot. I was no stranger to banks when I was at school, but my understanding at that time stayed at the economic theory and macro level, and I didn't know much about the specific business of banks. When I came to the counter, I found that the bank didn't only handle deposit and withdrawal business as I knew before. There are still many businesses I don't know, and I still have a lot to learn. With the help of my colleagues, I am now basically familiar with the operation process of the savings counter, and I have also reached a relatively skilled operation of the dcc operating system for personal financial services. I can work as a cash cashier independently, bear the corresponding responsibilities and obligations, accept the comprehensive evaluation of performance management and the corresponding incentive and restraint measures. I also use my spare time to seriously study other related financial business knowledge and open up learning space. With my love of literature and more practice on weekdays, I have the ability to write summaries, surveys and statistical analysis, and can timely analyze the market demand, products and channels problems and customer suggestions found in customer service, so as to strive for the best way to solve problems and difficulties.
In short, in this internship, I not only learned a lot of knowledge that I didn't have in books, but also determined my study and exercise goals, corrected my work attitude, tested my work enthusiasm and patience, and strengthened my work determination. At the same time, in the contact with CCB people, the CCB spirit of teamwork, dedication, innovation and dedication inspired me, and the CCB style of honesty, affinity, preciseness, pragmatism, hard work and enterprising remained deeply in my mind.
During this time, I also feel that I have improved and made progress in many aspects, laying a good foundation for studying accounting and account manager positions in the future. A good beginning is half the battle. I believe that in the process of the next internship exercise plan, I will work hard to learn more knowledge with greater enthusiasm and complete the grassroots exercise work with good quality and quantity.
Chapter 6: Year-end summary of bank account manager. When the calendar was torn off page by page, only the last page was left, and the year slipped away unconsciously. Looking back on this year, in order to be qualified for the position of wealth management account manager, I kept learning. The following is what I have gained from my work, and it is also a summary of my work in the past year:
First, strengthen learning and improve their own quality.
As an account manager, I think I should not only be good at learning, but also be diligent in thinking. In xx, I visited X commercial banks such as xx Bank, xx Bank and xx Bank as a customer. I was deeply impressed when I saw the quality of their financial products and services. From the eye-catching quotation sheet of funds and promotional materials of various financial products of xx Bank, the excellent service of lobby managers and account managers, the RMB wealth management products of xx Bank and the green channel set up by xx Bank for high-quality customers, I can see the gap between our Bank and my personal knowledge. After I came back, I made a systematic plan, learned business knowledge and theoretical knowledge, and put forward suggestions to put the fund quotation and publicity materials in place as soon as possible, which not only served customers but also played a good marketing effect.
Two. Diligent and pragmatic, responsible for the development of our bank.
Over the past year, I have worked in different positions, such as savings clerk and account manager. No matter where you work, you can stand on your post, love your post and devote yourself selflessly, and do your best for the development of our bank. As an account manager, I can actively collect high-quality customer information and fill in xx or more high-quality customer information records. As an account manager, everything I say and do represents our image. Therefore, I have high standards and strict requirements for myself, actively consider for customers, publicize our new products, new businesses and new policies to customers, and expand our popularity. When working in the savings office, I can actively cooperate with the director to do a good job in the office, make use of what I have learned, do a good job in the maintenance and repair of office machines and tools, ensure the normal operation of the business, and thoroughly clean the office before business.
After the business is over, check the safety measures one by one, turn off the water and electricity, and then leave the office. Never received complaints from external customers. Usually, when customers have different views on our work, I can also explain clearly what customers don't understand, and finally satisfy customers. There are often workers and students from other places in the college who handle personal remittances. Some people can't even fill out the required receipts. Every time I will explain the filling method to them in detail and teach them word for word until they learn to do so. When you leave, you should also tell them to keep a written receipt for the next remittance. Because every time they finish the remittance business, they will keep thanking me. While doing my job well, I also use my years of saving experience to help other comrades. If comrades have any questions, I will answer them seriously. I will humbly ask old comrades if I have any questions. When dealing with business skills, I have a requirement in my heart: a threesome must have a teacher, and those who can't learn must learn by all means. If you want to help others in your work, you must improve your professional quality.
Third, explore the market and find new growth points.
In the new year, I set new goals for myself. As an account manager, I intend to exercise myself from the following aspects to improve my overall quality.
1, moral aspect. As an account manager, you must have high moral cultivation, strong dedication, decent style, strict self-discipline and self-care in terms of morality and responsibility.
2. business Account managers should have systematic and solid business knowledge. First of all, we should be familiar with the bank's loan, deposit, settlement and intermediary business knowledge. We should not only master the main business knowledge, but also be familiar with the less popular business knowledge. Not only should we have a high level of policy theory, but we should also be able to introduce the operational processes of various businesses in detail. We should be familiar with traditional business and grasp emerging business in time. In addition, account managers should have legal knowledge and economic knowledge, especially the ability to provide customers with a variety of alternative investment and financial solutions by comprehensively applying various knowledge.
3. marketing. The account manager should be a marketing expert. We should master the basic knowledge of marketing and take an active part in practice. Master self-promotion skills, speech skills, product promotion skills, communication skills with customers, and refusal handling skills.