Credit provides convenience to our lives and allows us to consume in advance. As a practitioner in the credit industry, how do you do your job well? I think it is necessary to do a good job summary. Here are five work summaries of the credit department for your convenience.

Summary of the work of the Credit Department in 2019

In xx branch, I am engaged in the most ordinary job - teller. Some people may say that ordinary tellers can't have a career. No, they can also have a brilliant career on the counter. Excellence starts from the ordinary, perfection starts from seriousness. I love this job and regard it as a starting point for my career. As an ABC employee, especially a front-line employee, I deeply feel the heavy responsibility I shoulder. The counter service is the "civilized window" that shows the good service of the bank system, so I serve with full enthusiasm, heart and sincerity every day, and win the trust of customers with my positive work attitude.

Yes, among ABC employees, tellers are the group that directly faces customers, and the counter is the window that displays the image of ABC. The daily work of tellers may be busy and monotonous, but in the face of For all types of customers, tellers must be skilled in operations and serve enthusiastically. Day after day, they must provide every detail of thoughtful service so that customers can truly appreciate the sincerity of the pedestrians and feel the warmth of doing business in the bank. This kind of work is extraordinary, and I am proud of my position! To this end, I ask myself to: first, master excellent business skills and never relax in business studies; second, maintain good professional ethics and abide by the national regulations. Laws and regulations; the third is to cultivate harmonious interpersonal relationships and live in harmony with colleagues; the fourth is to have a clear understanding of oneself, not to be arrogant in victory, and not to be discouraged in defeat.

Since I started working, I have been based on my position, worked hard, worked hard to learn business knowledge, and consulted experienced colleagues. Only in this way can I truly achieve results that can withstand the test of time. Little things made me deeply realize that as a front-line employee, he is destined to be ordinary, because he cannot block the muzzle of the gun with his blood and blow up the bunker like a soldier charging into the battle, leaving a heroic reputation for the world to spread. You can’t even sow in winter and harvest in summer like farmers do, sowing in summer and harvesting in autumn, there is always a fixed harvest. Some of them just repeat boring operations and complicated tasks such as deposits, withdrawals, account entry, collection and release, marketing and maintenance, and welcome and delivery day after day and year after year. In this ordinary position, I deeply realize that greatness lies in the ordinary. Ordinary people can also contribute, dedicate our enthusiasm, dedicate our sincerity, and dedicate our youth. Ordinary people can still create a wonderful sky. Without a foundation, there will be no tall buildings, and without the ordinary, there will be no greatness! The value of life can only be sublimated and perfected through ordinary dedication.

In the process of serving customers, I always insist on "thinking about what customers want, being anxious about customers' needs, and eliminating customers' worries", and provide customers with comprehensive, thoughtful, convenient and efficient services. Service, achieve operational standards, service specifications, polite language, and decent behavior, leaving a good impression on customers and winning their trust. When actually handling business, on the premise of ensuring compliance with our bank's rules and regulations, we must flexibly master marketing methods to provide customers with certain conveniences, and provide customers with personalized and fast services flexibly and appropriately.

Perfection comes from seriousness. On the basis of providing high-quality counter services, we try our best to provide customers with more thoughtful services. Because there are no picky customers, only imperfect services. In my daily work, I actively study new knowledge and new business, combine theory with practice, and master various service skills. I start from small things. When handling business, I try to be fast, accurate, and efficient, so that customers can wait less, run less, and ask less questions, and provide customers with timely, punctual, regular, and ready services.

Youth is the most precious time in life because it is full of ambition and energy, because it dares to venture and do things, and it is full of vitality because it has too many dreams and hopes! But in my opinion, youth is precious It also includes unremitting pursuit and team integration, lofty moral cultivation, and strong will, but also to be able to endure the ordinary, be based on the ordinary, be indifferent to fame and fortune, and be brave in dedication!

Today, we are putting The burning youth is dedicated to the ordinary "business" position. It is in this alternation of youth that the business develops step by step. Her clear growth rings will also be deeply imprinted with the imprint of our youth. Franklin has a famous saying: "Push your career, don't let your career push you." Today I am here to promote my career, which stems from my pursuit of the value of life and my passion for financial career.

Because I know that as a growing young man, only by organically combining personal ideals with the development of the bank's career can we give full play to our work enthusiasm, initiative and creativity, and create a better future for the bank. Realize your own life value in the process of tomorrow.

Stars; we guard a piece of joy, a piece of persistence, and a piece of harvest. Keep accounts, settle accounts, make subpoenas, and write account books every day. Although we do not have outstanding achievements or earth-shattering careers, we do our best and are loyal to our duties. We use this ordinary life and ordinary work to outline the trajectory of life and reap the joy of a bumper harvest. This information comes from Guizhou-Xue-Xi-Net report summary and personal summary

During this year, I have always maintained a good working condition and strictly followed the standards of a qualified cooperative bank employee. Ask yourself. Based on my own job, I will devote myself to studying business skills so that I can contribute silently in my ordinary position and shine a light and enthusiasm for the cooperative banking industry. As front-line employees in savings positions, we should strengthen our business skills so that we can be handy at work and better provide our customers with convenient, fast, and accurate services. With the goal of "customer satisfaction and business development", we must provide good service and establish a good window image of dedicated service. We must be greeted when coming, answered when asked, and greeted when leaving. We must make every customer happy and satisfied. Return... As we all know, within the jurisdiction of the xx branch, the xx branch is a busy point. The average business volume per person per day reaches more than 100 transactions. I have received between one and two hundred customers, especially a lot of small bills and broken coins. Therefore, such a working environment forces me to constantly remind myself to be serious and conscientious in my work, and strictly follow the rules formulated by the head office and branches. system for actual operation. I have consistently demanded myself throughout the year. With my efforts, I personally did not have a single liability accident in XX. While I am doing my job well, I also use my many years of experience in accounting work to help other comrades. If you have any questions, just ask me and I will answer them carefully. When I have questions, I will ask other comrades for advice very humbly. When it comes to business skills, I have a requirement that I have set for myself: among three people, there must be a teacher from me, and we must do everything we can to learn what we don’t know. If you want to help others at work, you must improve your professional quality. Savings are the foundation of a company. In XX, with the care and support of superior leaders and the assistance of colleagues, I worked actively and successfully and completed various tasks well. Throughout the year, I accumulated more than 1.5 million yuan in personal savings. . During the year, I actively participated in the study of political theory and business knowledge, and was able to consciously abide by laws, regulations and the rules and regulations of the unit. At the same time, I studied business knowledge diligently and continuously improved my work skills. Looking back on my work over the past year, I have a clear conscience. At work, I am loyal to my duties and do my best. The bank belongs to the service industry, and my work requires me to face many customers every day. For this reason, I often remind myself "Be kind to others and be kind to yourself." In the busy work, I still insist on "service with a smile" and answer customers' questions patiently and meticulously. When I encounter unreasonable customers, I also try to be tolerant and understanding. He eventually gained the understanding and respect of his customers.

Looking back at my own problems, I think: First, I didn’t study enough. At present, the new economy based on information technology is booming, new situations and new problems emerge one after another, and new knowledge and new science are constantly emerging. In the face of severe challenges, there is a lack of urgency and consciousness in learning. Theoretical foundation, professional knowledge, cultural level, working methods, etc. cannot adapt to new requirements. The second is that when the work is tiring, I have loose thoughts. This is a sign that my political quality is not high, and it is also a manifestation of the poor resolution of the world outlook, outlook on life, and values. In response to the above problems, the future efforts are as follows: First, strengthen theoretical study and further improve one's own quality. Change your work style, strive to overcome your negative emotions, improve work quality and efficiency, and actively cooperate with leaders and colleagues to do better work. In the new year, I should intensify my study, better enrich myself, and meet the challenges of the new era with a full spirit. Summarizing the past is to learn from past experiences and lessons and do a better job in the future. Leaders and colleagues are invited to criticize and correct any shortcomings and deficiencies in the work.

2019 Credit Section Work Summary 2

Over the past year, I have conscientiously implemented the guidelines and policies of the State Council’s financial reform, and studied the spirit of Comrade Jiang Zemin’s “July 1” important speech and the spirit of the Sixth Plenary Session of the Central Committee of the CPC , guided by the important thought of "Three Represents", closely focusing on the adjustment of agricultural and rural economic structures, adhering to the purpose of serving "agriculture, rural areas and farmers", and leading employees to carry out various tasks according to the annual task indicators issued by the People's Bank of China and superior associations. Work.

1. I can conscientiously study relevant financial laws and regulations, learn relevant credit union business regulations and business knowledge, improve my business quality, strengthen my own integrity and self-discipline education, be loyal to my duties, and act in accordance with the law.

At the same time, employees are regularly organized to study the spirit of relevant superiors' documents, strengthen employees' business learning, and strengthen employees' education on integrity and self-discipline, legal education and safety awareness education, so that all the work of the company can be operated in compliance with regulations and laws

2. Strive to improve and improve We must pay close attention to the implementation of rules and regulations, not only in accordance with the implementation of superior regulations, but also in formulating corresponding work guidelines and business assessment methods based on the actual situation of the company, so that work can be restricted and mutually promoted, so that all work can be carried out smoothly and achievements can be achieved. Certain benefits

3. In terms of work: 1. According to the economic characteristics of the community area, we should do a good job in deposit organization work in a timely manner so that all employees have tasks and all employees work together to attract deposits. In the first three quarters of this year, deposits The annual increase ranks first in the region. ⒉ Carry out timely work on "clearing illegal assets", resolving risks and collecting interest. At the beginning of the year, we made general arrangements and mobilizations for "cleaning up non-performing loans", and implemented collection work in a timely manner according to seasonal income conditions. We also organized a "100-day cleanup" campaign during the peak season of shrimp income. Non-performing loans were effectively controlled and benefits were achieved. Significantly improved.

4. In terms of performance: the deposit balance at the end of the year is 10,000 yuan, the net increase is 10,000 yuan, % of the plan has been completed, the balance of various loans is 10,000 yuan, the increase is 10,000 yuan, the deposit and loan% are controlled within a reasonable ratio Within; the balance of non-performing loans is ten thousand yuan, a decrease of ten thousand yuan, accounting for %, a decrease of one percentage point; the profit book number is ten thousand yuan, (the actual number is ten thousand yuan) and % of the planned completion.

5. Insufficiencies: My business level and management ability are not high, business development is slow, non-performing loans remain high, collection speed is slow, "two stay" loans are increasing, potential risks are increasing, and there are over Four companies with proportional loans have serious insufficient capital adequacy ratios, book losses of 10,000 yuan, office conditions, prevention facilities, and employees' living conditions and working environment have not improved.

6. Improvement measures: Strengthen your own business theory learning, further improve your business level and management capabilities, increase the intensity of "cleaning up illegal loans", especially clearing and collecting "two-destination" loans, and strive to solidly support "three "Agriculture" loans, compressing large over-proportional loans, increasing revenue and reducing expenditures, improving operating efficiency, increasing capital adequacy ratio and loan offset ratio, reducing and resolving risks as soon as possible

Looking back on the work of the year, I feel that there are still There are many shortcomings. First, the business quality is not improved quickly, and the new business knowledge is not learned enough and thoroughly; second, there is still a gap between my own work and other peers, and the awareness of innovation is not strong; third, I just meet my own tasks. completion, work development is not bold enough, etc. In the new year, I will work hard to overcome my own shortcomings. Under the leadership of the Associated Business Section and the Credit Union, I will study hard, strive to improve my own quality, actively develop, and fulfill my job responsibilities. , obey the leadership. Be a good staff assistant, work together with all employees, unite as one, improve the operating efficiency of our company, and make due contributions to completing various tasks and goals in XX.

2019 Credit Department Work Summary 3

I was originally an ordinary salesperson under the Huangmei Post and Telecommunications Branch. I only worked in credit for half a year since I was transferred. I investigated 40 loan customers and successfully issued loans. 20 loans were issued, amounting to 930,000 yuan, and all loans were normal loans. The arduous journey of starting from scratch on the road to credit. I think I have the following experiences;

Facing a brand new position, I was really timid at first. Since I started working in 1993, I have been working as a teller on the front line of postal savings, basically waiting for customers to come to my door. The new position requires going to the customer's home every three days to understand the customer's basic situation and business information, investigate and understand the customer's loan purpose and repayment willingness, and analyze the customer's repayment ability. This is really difficult for me who is not good at communicating with others. In the first month, I always thought to myself, what should I do if I can’t pay back the money I put out? Sometimes I gave up and thought it would be better to continue working in my old business.

After understanding the common mentality of loan officers, the branch leaders promptly held discussions with everyone to let everyone emancipate their minds and put down their burdens. They said: "Don't deny yourself easily before you start working. You will surely get better slowly." I like the position of credit. "The leadership's patient guidance and description of development prospects gradually encouraged everyone to have the courage to do their own work. The ideological concerns were eliminated, and the whole team began to gain vitality. Like everyone else, I was greatly inspired and determined to learn from scratch.

Through professional training and self-study, I gradually mastered the small loan business and operating procedures.

Through the vigorous publicity of the branch in the early stage, some customers in need began to come to inquire, and I also welcomed my first loan customer. That day, with mixed emotions, I took an hour and a half bus ride with another colleague to xx village. This customer is a farmer with more than ten years of breeding history and knows the market very well. At the client's home, after I introduced myself, I began to ask questions one by one in the order of investigation required during the training. Since this was the first time I had a "marketing" communication with a customer, and I didn't know enough about the xx industry, I was very nervous. After asking for less than 20 minutes, the customer suddenly said: "I don't want to lend money anymore. You can leave. Isn't it just from you?" The post office is asking for a loan, just like interrogating a prisoner." When I saw this, I quickly explained, but the farmer refused to cooperate. Helplessly, my colleagues and I returned disappointed, and the first marketing campaign was aborted.

On the way back, I recalled the scene over and over again and asked my colleagues how they felt.

After analysis, I found the answer: the problem was not with the customer, but because I did not know how to communicate with the customer and did not understand the other party's needs and difficulties, which caused the embarrassing situation.

Ask yourself, if you are always bad at communicating with customers, who will dare to come to me for a loan in the future? No, you must change and practice from scratch! From then on, I went to the streets with my colleagues every day after work. Publicity, chatting with small merchants, and practicing introducing loan business; after get off work, I also visited relatives and friends to introduce Postal Savings Small Loans, treating them as practice targets. Hard work pays off. Now I think my communication skills have improved a lot. Hard work leads to a bumper harvest

How to integrate Postal Savings Small Loans into the local economy has become an important breakthrough point in the credit work of the branch. Our investigation revealed:.

The development of credit villages will be the key development customers of the branch in the future. It is its top priority to deeply understand the operating conditions and rules of farmers and understand the industry as soon as possible. I found several farmers through relatives and went on-site with my colleagues to understand the situation. Over time, I gradually got used to this kind of work.

Although my work performance in the first half of the year is not ideal, I deeply feel that my work is inseparable from the care and support of my leadership and the credit department team; at the same time, I am even more grateful to my family who have always supported my work in obscurity. . I will use the professionalism of "leaving the small family to take care of everyone" and work hard to become a qualified Postal Bank loan officer.

2019 Credit Department Work Summary Four

It is not easy to be an excellent loan officer, but it is not impossible to do it. It depends on whether you do it or not? How to do it? From the beginning as a loan officer to now as the director of a credit union, I have experienced the ups and downs of rural credit cooperatives in the past thirty years and witnessed the ups and downs of the majority of credit officers. Bitter and difficult. Regarding how to be a qualified, competent, outstanding, and considerate loan officer who is satisfied with "agriculture, rural areas and farmers", I have visited the loan officers and back office staff within my jurisdiction, the majority of loan customers, and Xinhe's family members. After their detailed exchanges, I compiled and carefully summarized them. I believe that a good loan officer should achieve the "three ten's", that is: remember the ten commandments, correct the ten relationships, and do the ten things well

1. Keep in mind the ten precepts and enhance the awareness of obeying the law

There is a saying in the Three Character Classic: "It is the father's fault if a son does not teach; it is the mother's fault if a daughter does not teach." Then as a unit of our credit union. Should we understand it this way: the failure of employees to teach is the fault of the leadership, the employees have made mistakes, and the management has made mistakes. In recent years, we have successively proposed a series of management system measures, but the phenomenon of system scaffolding is very serious, causing our grassroots loan officers to have a negative attitude towards the system. There are deviations in the understanding, implementation and implementation of the work, which makes everyone sometimes at a loss, not knowing what to do, blindly engaging in work, groping for work, artificially causing some inadequate management phenomena, and even worse, they have broken the law, violated the rules, and made mistakes. I don’t know where the mistake is. Furthermore, the system does not do enough to investigate and condone some violations of rules and disciplines, causing them to ignore the rules, turn a deaf ear, and go their own way, which damages the reputation of the credit union and also causes setbacks and consequences for itself. Economic losses. To be a loan officer is to know what to do and what not to do, as long as we have a system "high voltage line" in our hearts; as long as we regard the system as sacred; as long as our sleeves are spotless; as long as we have the interests of the masses in our hearts and keep in mind the "Top Ten If you follow the "precepts", you will be able to do a good job in credit work. New signature

If you have no knowledge and no skills, you will only make up for it. Credit officers should be familiar with policies, understand business, be responsible, adhere to principles, and not follow selfish principles. The party's principles and policies must be implemented by the specific work of loan officers. The credit union's work of serving the people must rely on credit services. With the development of society and changes in the situation, Knowledge needs to be updated at any time, and some concepts and skills must keep pace with the times. We cannot rely on old experience or take things for granted. We must integrate some scientific decision-making into credit work. If we do not study and improve seriously, we will not be able to adapt. Credit work under the new situation will be judged by the principle of "survival of the fittest and survival of the fittest" in today's increasingly fierce competition.

The second is to refrain from boasting and blindly making promises. Personnel have their own operating procedures, and have their own scope of work, service objects and loan authority. They must strictly carry out their work within their respective scope of authority. If they are their own service objects, they must support them with heart; if they are not their own service objects, they should politely decline; if they are not their own service objects, they should politely decline; You must take the initiative to handle your own authority limit in a timely manner. If your authority exceeds your authority and requires approval, you must do the basic work and report it carefully. You must not blindly make wishes, nod and pat your chest, go beyond the credit union's mass approval organization, and cause yourself to passively lose prestige and lose credit to the loan. Such as: blindly appraising and transferring properties, blindly signing loan agreements, blindly going through notarization procedures, blindly going through guarantee mortgage procedures, etc.

Five precautions are to avoid short-term behavior and avoid paying too much attention. In recent years, we have carried out the reform of the wage system and implemented a performance-based pay system with a salary of 10,000 yuan, which has played a positive role in mobilizing the enthusiasm of employees, accelerating the development of credit cooperatives, and increasing the expansion of credit scale. All loan officers have the same idea in their minds, that is, if they want to earn more wages, they must charge more loan interest, and if they want to charge more interest, they must lend more money. Judging from our current implementation status, most Loan officers can insist on speeding up the flow of funds under the premise of safety, thereby achieving benefits.

In the future, we must persist in not judging heroes based on temporary success or failure. We must avoid short-term behavior, pursue personal achievements, and blindly increase the number of large borrowers, which will bring potential risks to credit funds. At the same time, we will further improve the assessment mechanism and assign responsibilities and rights to Organic combination ensures that what is given is given and what is taken back is ensured, and the "four fixed and four guaranteed" responsibility systems proposed by us are implemented, namely: fixed service areas, fixed service objects, fixed loan authority, fixed management responsibilities, and guaranteed investigation and distribution. , recovery and benefits are guaranteed, thus putting our credit management work into a virtuous cycle.

2019 Credit Department Work Summary Five

20** Annual Work Summary Dear leaders and colleagues, good afternoon everyone:

A busy 20* * Year has passed. Regarding this past year, everyone's emotions are different. Some are satisfied, some are regretful, some are happy, and some are hesitant. For me, this year is an important turning point in my working life and will also be a milestone in my future.

Since I joined the Bank of China, I have followed the arrangements of the bank and participated in counter work in grassroots branches for one year. The work of an ordinary teller is dull and busy. From the initial discomfort to the calmness later, there were no amazing results in this process, but it made me understand the difficulty of work and the responsibilities of an employee in the process. responsibilities.

Since September this year, I have been fortunate enough to work in the corporate business department of the branch and join our excellent marketing team five. When I first arrived, I was excited and full of novelty. It was undoubtedly a blessing to be able to engage in the core business of the bank. But I also understand that as interns who have newly joined the department, our main job is to study. So during this initial period, the guidance materials, relevant documents and past business files became my closest "comrades-in-arms". With the help of outstanding account managers, I gradually gained a new understanding of the bank's corporate business, clarified my ideas for subsequent studies, and made further plans for my future work situation, that is, to be down-to-earth , lay a solid foundation, start from scratch, constantly accumulate and enrich yourself, and be an excellent employee.

In early October, I participated in the "Knowledge Competition on New Loan Regulations" organized by the Banking Association as arranged by the bank.

During the training process, I mainly studied the "Three Methods, One Guideline" and related documents. Combined with my previous internship work in the department, I gained a systematic understanding of the relevant conditions of the loan business. , some operating procedures that were difficult to understand before have also been reasonably explained. Although the results of the final competition were not ideal, it will be of great benefit to my subsequent internship work and deepen my understanding of credit work.

After possessing theoretical knowledge, it is time to move to practical operations. In the past two months, under the guidance of old employees, I gradually became familiar with the relevant products of the company's business and mastered the basics of the company's credit business. Operational procedures.

And actually performed the company's short-term loans, bank acceptance bills, limit application, segmentation, corporate capital flow monitoring, post-loan file management, etc. Recently, he has written relevant reports on the annual review of the total credit limit, new additions, and guarantee changes. At the same time, he visited customers under the leadership of several old account managers to learn about marketing and customer maintenance. All this is new and challenging to me. I know that the core of a bank is profit, and the first job of an account manager is marketing.

Rich business knowledge and products are our various "weapons" for marketing. To deal with customers from various industries, the more and better "weapons" we have, the better we can cater to customers' psychology. , to meet customer needs. All of this requires me to study humbly for a long time, accumulate experience and improve myself through continuous practice, grow into a qualified account manager as soon as possible, and contribute my meager help to the development of Bank of China.

Now, more than half of the half-year internship period has passed. In the past four months of study and work, I have made many business mistakes, but what I am very grateful for is our enthusiastic and enthusiastic team. The united masses and the long-term patient guidance and help of leaders and colleagues allowed me to try my best to get rid of misunderstandings, correct mistakes, and finally make progress. I would like to express my deep gratitude.

Although I have achieved some results, I also know that my lack of practice and my lack of proficiency in business are my fatal injuries. I still cannot relax in my future work and seize every opportunity to enrich and broaden my knowledge. Business knowledge, accumulate more successful marketing experience, and contribute to this glorious group as soon as possible.

The new year has begun, and the competition we face will become more intense. At this time, I can only work harder to improve my professional quality in order to gain a foothold and progress in this challenging industry. Will face the difficulties and hardships of work with full enthusiasm and attentiveness. I firmly believe that in the new year, with the joint efforts of everyone, our great people will achieve more brilliant results.