Credit organizations and banks are becoming more and more, therefore the profession of the credit manager is becoming more and more popular. The lending sphere has become so affordable that now on credit you can take almost everything. So buy apartments, cars, household appliances, furniture, and this means that experts are needed not only in the bank, but also in the car dealership, in the electronics store, in the furniture showroom and so on.
The manager must be sociable and sociable, because his work is to offer credit products to potential borrowers.
Who is the credit manager?
The lending manager is a specialist who promotes, draws up and issues loans. Each bank has several credit programs in its arsenal, from the most accessible to more serious. Therefore, experts require different levels. You can even get a loan manager without experience, almost every large bank has its own specialist training programs.
Advantages and disadvantages of the profession
Any specialty has its pros and cons. Profession Credit Manager is no exception, it is quite specific and can not come up with everyone.
Advantages.
- The opportunity to get a job without experience. Many large banks have their own training programs, internships, advanced training courses, after the end of which a specialist can start working or get an increase.
- A good chance to quickly climb the career staircase in the banking sector. If you are active, sociable, you know how to have customer clients, it will allow you to quickly get a raise.
- Possibility further advanced training.
- High wages with high performance efficiency. In addition, in large organizations, employees are given the opportunity to use corporate bonuses and special conditions when issuing credits for their own needs.
Disadvantages of the profession.
- The need to communicate a lot. Not all people can withstand what they have to explain something entire day to other people, join them into the dialogue.
- High level of stress associated with communication with people, as well as with the need to fulfill a monthly plan.
- Payroll dependence on the implementation of the plan . His income depends on the specialist activity. It can be both very high if the manager successfully draws out loans and sells related products and low - if for some reason the plan is not executed.
Required qualities
The work manager is to offer credit programs so that they are purchased. These are sales of banking products, so you need to have a well-set speech, be able to work with objections if the conversation went not according to plan. Appearance here also plays not a last role. The specialist should be tidy dressed, well-groomed and with a benevolent expression.
The profession of loans specialist will suit young purposeful people who are freely communicating with unfamiliar people. In this profession, you will need such qualities as:
- stress tolerance;
- Communicability;
- goodwill;
- patience;
- perseverance;
- ability to manage the situation;
- punctuality;
- activity and purposefulness, the desire to earn, because it is precisely income on the number of loans;
- The ability to be unobtrusive.
The upscale manager is characterized by following the conversation program, is able to respond to customer failures and translate a conversation to another direction.
Inexperienced managers are often lost, and hearing "no" from the client, but still continue to insist on their own, which cause irritation. And this affects the reputation of the institution.
Responsibilities
All the responsibilities of the employee are registered in the job description of the institution where it works. It is developing the institution itself, so they will differ in the bank and in the showroom Still, the tasks of the loan manager in different organizations will be similar.- Registration of loan agreements and sale of related services. Related services include different types of insurance.
- Consultation of customers and explaining arising credit issues.
- Formation of reports by months, quarters and the provision of their leadership.
In addition, in the process of work, the manager Must make up all the necessary documents, to shoot photocopies and assure their authenticity. Managers draw up cards, check the credit history of the client, the possibility of issuing a loan, requests all the data for its design.
Requirements
In the process of work, the specialist must fulfill the following requirements:
- ensure that there were no errors when making documents;
- politely communicate with customers;
- comply with the internal regulation of the organization;
- comply with the dress code, and if required, wearing the signs of differences;
- Observe safety and fire protection techniques.
Place of work
Loan managers are needed not only in banks, but also in other organizations that sell any goods on credit or installments. The main jobs.
- Large car dealerships are a specialist in car loans, insurance. Such a specialist is engaged in the design of cars on credit and insurance for them.
- Real estate agencies - Mortgage Manager. Engaged in the design of real estate in the mortgage, helps to choose the most advantageous offer of the bank.
- Microfinance organizations are a specialist in issuing loans. There are a lot of such organizations now, they issue microcredit for a short time.
- Specialist in operating and credit work in the bank.
- Hypermarkets of household appliances and electronics.
- Furniture salons.
- Communication salons.
The profession of a multifaceted credit manager requires versatile qualities and high energy. The main key to the success of a lending specialist is love for its profession and a clear fulfillment of all responsibilities and requirements.
