Achievements of the credit expert. Loan officer: responsibilities for resume. Job responsibilities of a loan officer in a bank. Features of the position in various fields

Lending is one of the most popular services provided by banks. Financial institutions offer similar services to the population to meet various needs: from household appliances to living space. Today it is impossible to imagine our life without the possibility of lending. After all, it is precisely this that allows you to carry out your plans even in the absence of money, be it opening your own business or buying a car.

What is lending

With the help of loans, it has become much easier to organize and distribute funds. They are engaged in lending commercial banks and financial institutions. For every type debt obligation there are certain conditions that include the amount of the minimum down payment, loan repayment interest, as well as individual characteristics that the borrower must have. For each amount issued Money The bank sets certain requirements for the client that he must meet.

The loan is issued not only to legal entities and individuals; the borrower can also be another commercial bank.

Requirements for the qualities of a loan specialist

The success and productivity of a bank directly depend on the qualifications of its employees. Since the main income of the bank is considered to be the expansion of resources, staff need to make every effort to ensure that the operation is profitable.

One of the most important officials of the bank is a specialist credit department. His responsibilities are to provide complete information to the client about the loan. He also prepares and submits to the bank commission all the documents necessary for registration.

Credit specialist, whose responsibilities are to directly advise the client and conclude an agreement with him, must have not only a number of professional skills, but also many human qualities, such as:

Honesty.
A desire to work.
Ability to think logically.
Ability to intuitively identify potential clients.
Responsibility.
Stress resistance.
Ability to find a common language with each client.
Communication skills.
Competence.

Functions

A credit specialist, whose responsibilities are radically different from the functions of managers and inspectors, does not search for clients, but enters into an agreement and maintains the loan until its closure with existing clients. For greater bank profitability, searching for potential clients among legal and individuals carried out by a special department.

The responsibilities of a loan officer at a bank include:

Informing potential clients about tariffs.
Providing complete information about the conditions for obtaining a loan.
Assistance in choosing a loan.
Calculation of basic loan indicators, such as terms, interest, minimum payment and payment schedule.
Acceptance of applications for extradition.
Checking the package of documents provided by the borrower.
Carrying out credit risk assessment.
Preparation of necessary papers and documents.
Control of the process of issuing funds.
Transaction support until the loan is fully repaid.

A credit officer, whose responsibilities include all of the above points, must also have a sufficient level of self-control, which may be needed in unforeseen situations.

Training of specialists

People who have graduated from the Faculty of Finance or Economics have the opportunity to work in this banking industry. Many banking institutions only hire employees with a higher education diploma for this position.

Job responsibilities loan officer imply constant communication between bank employee and the borrower.

Training and retraining of professionals in this field is carried out directly by the financial institution itself. For better quality work, many banks divide loan specialists into subgroups. That is, each employee is assigned separate category products in which he specializes. Some work exclusively with consumer loans for goods and services, while others deal only with car loans. Specialists in issuing and supporting mortgages should also be highlighted separately.

The division of specialists by type of lending is carried out in order to improve the quality of their work. After all, each of them must have not only general concepts relevant to this area, but also have a thorough knowledge of the regulatory aspects.

Work specifics

The credit specialist, whose responsibilities also include conducting the transaction, must, if necessary, collect and prepare all the necessary documents for issuing any type of loan. The main document is the loan agreement, which is filled out by the borrower and the banking institution.

The document stipulates such points as:

Borrower's agreement to repay funds.
The amount made available.
Penalties, provided for by the violation rules of the contract.

The decision to issue a loan is made directly by the bank commission; the specialist only submits all the necessary documents. After approval, the expert will support the transaction until the loan is fully repaid.

Resume for applying for a job

The work of a specialist in this industry is worthy of respect. After all, constant contact with people and communication with them require not only professional skills from an expert. This profession is considered very prestigious. It provides an opportunity for personal and career growth. Let's list the main skills and responsibilities of a loan officer for a resume.

In order to obtain a position as a credit specialist, your resume should include the following information:

Personal Information.
Previous employment.
The level of education.
Types of lending that the specialist is familiar with.
Work experience.
Benefits of the job.
Level of knowledge of foreign languages.
Professional skills.
Personal qualities that can improve the work process.

The bank's performance directly depends on the professional qualities and skills of its staff. Credit specialists occupy not the last place in this chain and are able to influence the success of the bank as a whole.

I consider myself a promising specialist with good creative potential and a tendency to constantly professional development. I have all the necessary skills to achieve my goals. I chose the field of activity purposefully, since I have always been interested in mathematics and had an analytical mind. I love my profession and plan to achieve great success in it. My professional curiosity pushes me to constant self-education and self-improvement. In 5 and 10 years I see myself as a specialist high level, which will be confirmed by my high professional qualities and authority, which I will certainly achieve through hard, conscientious work. Computer skills: PC - advanced user: Open Office, Excel. Browsers: Mozilla Firefox, Opera, Internet Explorer.

Additional information:

I consider myself a promising specialist with good creative potential and a tendency towards constant professional development. I have all the necessary skills to achieve my goals. I chose the field of activity purposefully, since I have always been interested in mathematics and had an analytical mind. I love my profession and plan to achieve great success in it. My professional curiosity pushes me to constant self-education and self-improvement. In 5 and 10 years, I see myself as a high-level specialist, which will be confirmed by my high professional qualities and authority, which I will certainly achieve through hard, conscientious work.

A loan officer is responsible for processing and issuing loans. He attracts clients, helps them understand the intricacies of lending and convinces them to take advantage of the loan. Essentially, this is a money seller.

The profession of a credit manager is in high demand in the labor market. Loan specialists facilitate purchases here and now, thereby bringing profit to banks and stores.

Places of work

Credit consultants are, as a rule, bank employees, although you can meet them at a car dealership, a real estate agency, or a regular shopping center. They usually specialize by type of loan - consumer, mortgage, car loans or business loans.

History of the profession

The history of the profession of a credit specialist began with the advent of money as such, because at the same time people began to borrow money. The modern understanding of the position began to take shape in the middle of the 18th century, when the first banks appeared.

Responsibilities of a loan officer

Typically, the job responsibilities of a loan officer are as follows:

advising clients on financial issues;
selection of the optimal loan program;
calculation of the loan amount and payments to repay it;
conclusion of contracts;
maintaining documentation and reporting.

Sometimes the functions of a loan officer may include the responsibilities of a sales manager, appraiser or insurance agent:

searching for clients and selling them lending services;
checking the reliability and solvency of the client;
determining the value of the borrower's property;
insurance of property, health, life, business risks.

Requirements for a loan specialist

A candidate for the position of credit specialist must meet the following requirements:

higher or secondary education;
well-spoken and neat appearance;
knowledge of banking products;
Confident PC skills;
Experience in sales or banking sector.

Loan specialist resume sample

Education

To become a credit specialist, you need to obtain a higher or secondary education in finance and credit. Specialists acquire all other skills in the process of work, because banks independently train them in their loan products.

Loan specialist salary

A loan specialist receives from 25 to 80 thousand rubles per month. The level of income depends on length of service and professional achievements. average salary loan specialist is 35 thousand rubles per month.

Where to get training

Besides higher education There are a number of short-term training programs on the market, typically lasting from a week to a year.

Interregional Academy of Construction and industrial complex and her direction courses "".

Institute vocational education"IPO" invites you to go through distance courses in the direction of "" (there are options 256, 512 and 1024 academic hours) with obtaining a diploma or state-issued certificate. We have trained more than 8,000 graduates from almost 200 cities. You can undergo external training and receive interest-free installments.

The work of a credit specialist is directly related to the sale of the main banking product - credit. A candidate for this position must have a sharp mind and good appearance, and be able to work with people, because he is the face of the bank in the eyes of the borrower.

When writing a resume, you need to convince the employer that you are the one who can do this job better. Show that you are a young, energetic person with potential and a desire to develop it. Applicants with a higher economic education, or students in their final years of study who know the specifics of the bank’s work, banking products and know how to present them profitably, apply for this position.

It’s good to have experience working in a bank, this will give you a privilege over other candidates, or experience working with people, for example in direct sales. Indicate in your resume your strengths, such as tact, emotional stability, good intuition, communication skills, active life position, desire to work and earn money.

Download a sample resume for a loan specialist:

Vasenin Anton Igorevich
(Anton Vasenin)

Target: Filling the position of a credit specialist.

September 2007 – June 2011 Dnepropetrovsk Regional Institute of Economics and Management, Faculty of Finance and Economics, specialty “Finance and Credit”, Bachelor’s degree (full-time).
September 2011 – January 2013 Dnepropetrovsk Regional Institute of Economics and Management, Faculty of Finance and Economics, specialty “Finance and Credit”, Master’s degree (correspondence department).

June 2011 – September 2012 Sirius Bank, Dnepropetrovsk.
Functional responsibilities:
- processing loans at points of sale (store);
- advising clients on loan terms.

January 2013 – October 2014 CB “Invest Bank”, Dnepropetrovsk.
Functional responsibilities:
- active attraction of clients;
- providing information about credit products jar;
- customer consultation, selection profitable lending:
- fulfillment and overfulfillment of the plan;
- preparation of documents for obtaining a loan;
- monitoring the repayment status of issued loans.

Excellent knowledge of PC and office programs;
- Proficiency with office equipment;
- Ability to persuade;
- Knowledge of legislation in the field of banking law;
- Literacy of speech and writing;
- Knowledge of business etiquette and banking principles;
- Good memory;
- Knowledge of foreign languages: German - fluent.

Sociability, responsibility, organization, accuracy, emotional stability, ability to work for results, presentable appearance, activity, good intuition, tact.

Marital status: Married.
Children: no.
Possibility of business trips: no.

Features of work and main responsibilities of a credit specialist

The volume of positions of each banking institution is constantly growing.

Not surprisingly, the increase in the number of lending programs entails the emergence of new areas of work in the banking sector. These are brokers, managers, consultants.

But credit specialists are of particular value. It is the activities of employees in this area that largely determine the level of trust in the bank, improving the quality of lending services and reducing the percentage of overdue debt downward.

Relevance and prospects for the development of the position

It makes it possible to purchase any material assets even if the required amount is not available. Of course, the population needs loans. For banks, in turn, the implementation similar service makes it possible to increase capital, reduce the level of overdue debt and subsequent optimal activity in general.

Currently demand for loan officers quite high. Lending experts carry out their activities not only on the territory of the bank, but also at points of sale, mortgage centers. That is why the position is quite relevant. The banks themselves are interested in workers in this area. The further bright future of the banking institution largely depends on the level of professionalism and productivity of the loan specialist.

In the future, the career growth of a credit specialist who has started working outside the bank may begin with a transfer to the head office, in particular, to the lending department. Where the main tasks are to identify the solvency of candidates, work with documentation, accrual, write off interest from citizens’ accounts and other operations. With hard work, it is possible to be promoted to senior specialist of a department, deputy head of a department, then head of a department and director of a branch of a banking institution.

Personal requirements for the candidate

Basic requirements The following are considered personal qualities for the position of loan specialist:

Analytical mind;
honesty;
tact;
sociability, friendliness, openness in communicating with people;
responsibility;
perseverance;
resistance to stressful situations, equanimity;
speed in decision making;
desire to work and study.

The task A credit expert's role is not only in paperwork, but also in the ability to find an individual approach to a citizen of any category. In addition, the responsibility for choosing a reliable client and completing the transaction also lies on the shoulders of the loan specialist. That is why, when choosing an employee for this position, attention is paid to Special attention his personal qualities.

In addition to specific human characteristics, it is necessary to have a set professional skills and specific knowledge. This includes the following requirements:

availability of a knowledge base regarding the promotion of bank services in the area of lending;
awareness of all available credit products;
the ability to competently and accurately assess the reliability and solvency of a candidate;
desire to promote the culture of a banking institution.

In other words, a loan specialist must be competent in all matters of lending.

Job responsibilities

According to labor instructions of most banks to the list of job responsibilities Loan specialist includes the following functions:

familiarizing the candidate with the nuances of providing the service, a detailed description of various loan programs and choosing the most suitable one for the client;
calculating the amount of the loan provided and the size monthly payment on it;
accepting applications from clients for a loan and their further analysis;
assessing the risk of non-payment of debt by the client with further assignment of an appropriate credit rating;
confirmation of authenticity and presence necessary documents with further transfer to the appropriate unit for security verification;
transfer of documents to the economic service;
sending an application to the credit commission;
preparation of the appropriate package of papers;
conclusion and signing of an agreement with the client;
support of the loan agreement. In other words, control over timely payment of loan installments;
drawing up reports.

It should be noted that the loan officer does not directly search for a candidate. An employee carries out activities with an existing client.

Rights and responsibilities

Add to list rights provided to the loan officer include:

provision of social guarantees provided for by law;
familiarity with the decisions of the organization’s management regarding the activities of the credit specialist;
the possibility of demanding all possible assistance from management in fulfilling their immediate responsibilities;
informing the manager regarding projects about improving the methods of work performed by the employee;
possibility of demanding improved conditions labor activity;
improving professional skills and qualifications.

Responsibility, assigned to the loan specialist, includes the following points:

for failure to fulfill or improper performance of duties established by the job description;
for causing material harm to the employer;
for violation of the internal labor regulations of the organization;
for offenses occurring during the employee’s working life.

What to note in a resume for an applicant for this position

Loan specialist position this moment very relevant and in demand in the labor market.

To receive an invitation to an interview, you must first submit your resume.

To interest an employer, you should indicate the following points:

personal information;
information about education;
professional experience;
previous place of work;
lending programs with which the candidate is familiar (if any);
professional skills. Here you should indicate the skills that the applicant possesses, for example, knowledge of foreign languages, office equipment, computer programs, legislation and other advantages;
personal qualities. At this point, it is necessary to note several personality traits that can play in favor of the applicant. Regarding a credit expert, these could be: communication skills, stress resistance, responsibility, equanimity, good memory, the ability to learn quickly and persuade.

Most often, when choosing future employees of the lending department, managers pay attention to the presence of an economic education, confidence in conversation, and a pleasant appearance. Priority, of course, goes to applicants with experience working with banking products, but energetic young people with no experience often also get the opportunity to try themselves in the field of loans. Especially considering the fact that the demand for lending specialists is quite high.

Features of the position in various fields

The specifics of the work of a loan specialist are such that the workplace may not be in the office of the banking institution. This could be a car dealership, a shopping center, or a mortgage lending office.

In general, the peculiarities of individual lending areas lie only in knowledge of the product for which the client wishes to apply for a loan. For example, an employee in the auto lending department is involved in processing transactions regarding automotive products.

A loan specialist, whose workplace is located in communication stores or electronics sales centers, concludes a loan only for the specified product.

The same applies to specialists mortgage lending. Points of sale of bank products provide sales and consultation directly on the issuance of credit cards.

The job responsibilities are identical, the only difference is the product for which the loan is issued.

In any case, employees whose activities are related to processing loans are required to know all existing lending programs and be able to competently sell related profitable offer, notify about promotions. In addition, you should navigate all the nuances and be able to find a professional answer to any question the client has.

The position of a credit specialist is quite relevant at the moment. Managers, realizing that employees in this area are practically the face of a banking institution, place quite serious demands on candidates. Not surprisingly, the productive work of credit specialists brings profit to the bank and only increases the confidence of citizens.

Sales rules banking services discussed in the following video training:

Profession credit specialist

The profession of a credit manager is in high demand in the labor market. Loan specialists facilitate purchases here and now, thereby bringing profit to banks and stores.

Places of work

History of the profession

Responsibilities of a loan officer

Typically, the job responsibilities of a loan officer are as follows:

advising clients on financial issues;
selection of the optimal loan program;
calculation of the loan amount and payments to repay it;
conclusion of contracts;
maintaining documentation and reporting.

Sometimes the functions of a credit specialist may include the responsibilities of a sales manager, appraiser or insurance agent:

searching for clients and selling them lending services;
checking the reliability and solvency of the client;
determining the value of the borrower's property;
insurance of property, health, life, business risks.

Requirements for a loan specialist

A candidate for the position of credit specialist must meet the following requirements:

higher or secondary education;
competent speech and neat appearance;
knowledge of banking products;
Confident PC skills;
Experience in sales or banking preferred.

Loan specialist resume sample

Education

Loan specialist salary

A loan specialist receives from 25 to 80 thousand rubles per month. The level of income depends on length of service and professional achievements. The average salary of a loan specialist is 35 thousand rubles per month.

Where to get training

In addition to higher education, there are a number of short-term training on the market, usually lasting from a week to a year.

Interregional Academy of Construction and Industrial Complex and its courses in “Finance and Credit”.

Most often, work experience is required. But if the applicant is well versed in the structure of the organization and knows how subordinate bodies differ from management bodies, then he has a chance to get a prestigious job even without experience. Before heading to the HR department, it is advisable to study a sample resume for a bank.

What is a good banker?

This is a person who expresses his thoughts concisely and clearly. This skill guarantees successful work with clients. This is the trait that needs to be shown first in the interview. Any sample resume for a bank employee fits on one page. This is no accident. Such a concise and clear presentation of yourself in your resume will only confirm your ability to express yourself concisely and clearly.

You should not talk about your achievements in another field. It is better to focus on the knowledge and experience acquired while working in financial institutions. Such data forms the basis of any sample resume for a bank.

Where to begin

First of all, indicate your last name, first name, patronymic and contact information. Nowadays, in addition to phone number and address, it is customary to leave an email address. Any resume sample begins with these data. It is better to apply for a job at a bank already knowing what position you want to occupy. It is completely unacceptable to go and offer yourself for any open vacancy.

Another important point: Don’t speak vaguely, for example: “I would like to work with clients” or “I would like to work with money and not interfere with clients.” You need to clearly decide what position you want to occupy. This will once again indicate your understanding of the field of activity.

Education information

It is better to submit this information to in full. Here you need to describe in what educational institution education received, in what year you received your diploma, be sure to indicate your profession and professional degree. You should not just mention any courses if there is no certificate of completion.

experience

This column needs to be given maximum attention. If you look at a sample resume for a bank, you will notice that it is in this paragraph that the information is presented in the most detailed way. If there is no work experience, and you have to immediately after university, then the ideal option would be to indicate the place of internship in your specialty. In this case, you should not hide your achievements. Typically, recommendations are provided in the form of a separate letter, but if the “Work Experience” column in your resume is almost empty, you can indicate here the contacts of those people who, if necessary, will describe you as an excellent employee.

It’s another matter if the job applicant’s work experience is quite rich. Here you just need to think about which skills and previous positions can be left in the shadows, and which ones should be emphasized. If a similar position is already on your track record, then it is worth drawing the attention of new employers to your successes and achievements in this particular place of work.

Personal qualities

There is no need to go into the lyrics here - it is very laconic and only to the point. Sociability, activity and so on. There is no need to describe life stories that confirm these qualities.

It happens that they are looking for a candidate with a personal car for a position. In this case, it will be necessary to confirm that the car really exists and that the license is also available.

Sample resume for a bank

Savchenko Olga Ivanovna

Address: Belgorod, st. S. Gritseva, house 33, apt. 131.

Tel: +79103568343

Goal: obtaining the position of chief specialist

Year of birth: 1983.

Education: 2000-2005 Belgorod Financial University. Specialty: “Finance and Credit”.

Experience:

2010 - present time of CB "Bank 15".

Position: financial expert.

Responsibilities: Analysis financial situation institutions during a change of ownership. Adjustment of the conclusion of the provided projects, namely their financial part. Control over all documentation that will be considered by financial authorities in the event of financial support from the state. Most of the projects were successful.

2006-2010 CB "Bank 12".

Position: senior economist.

Responsibilities: Work with legal entities. persons. Control loan agreements. Calculation financial flows. Control over clients' solvency.

Personal qualities: determination, communication skills, perseverance, decency.

Additional information:

English is the official and business language.

PC is an experienced user.

Registration in Belgorod.

This is what a sample resume for a bank looks like.

How to get a job without work experience

The hardest thing is to find your first job. Although a sample resume for a bank without work experience is almost no different from the example given above. You can indicate the location of your internship.

Difficulties are most often caused by the fear that a young specialist experiences during an interview.

You can start working at any age. But people of the older generation, in most cases, have already worked somewhere. And it’s mostly yesterday’s students who are looking for their first job. In such a situation, you should definitely use a sample resume for a bank. So as not to make a mistake anywhere.

You need to be prepared that you won’t be able to get into a management position right after university. Most likely, these will be vacancies such as intern, assistant, junior employee. But it is from such positions that a long career path upward usually begins. Only a person who has worked his way up from a junior assistant to a senior leader will make a first-class boss. Since it is such a person who knows the entire structure financial institution from the inside. It is such a specialist who is aware of all the details and nuances of the system.

The main thing is to remember that if a workplace is rejected once, this does not mean that you need to stop. There are many banks in the country: they didn’t take it from one, they will take it from another.