Are you a student, young professional, working in sales or just looking to improve your financial position? Working as a credit agent allows you to get additional income with minimal obligations.About the opportunities that it offers to its agentsOJSC CB "AGROPROMCREDIT", Pavel Ilyin, Deputy Chairman of the Board of the Bank, told the readers of Zanima.ru.

We occupy.ru: Pavel, at present, many large companies are recruiting for the sale of their services third-party organizations and even clients. What is it connected with?

Pavel Ilyin: An important component of this kind of interaction is mutually beneficial cooperation. For a bank, this is, first of all, an additional sales channel, for an agent - an opportunity to receive additional income without interruption from the main activity and financial investments.

How to become a credit agent of AGROPROMCREDIT Bank?

The procedure is very simple. To do this, you must conclude an agency agreement to attract customers. It prescribes the conditions of work, duties, amount and procedure for payment. Next, you need to get trained.

As a support and maintenance of the work, the bank allocates a personal curator to the agent - the manager of the sales department. He trains the future agent and transfers the materials that will be required for work. The manager also keeps a record of all the agent's clients.

What are the responsibilities of a loan agent? Does he have personal plans sales?

Since the agent is not a bank employee, then established plans he has no sales. The result depends only on the desire to earn.

Everyone who is interested in cooperation should fill out a form on the bank's website www.apkbank.ru, indicating contact information.

Can working as a credit agent bring serious income?

The agent's earnings depend on the forces applied by him. The amount of remuneration is fixed rate and depends on the type of loan product. For a issued credit card, the agent will receive 250 rubles, for an issued consumer credit- 500 rubles, for a car loan - 1000 rubles, a loan secured by real estate will bring him already 2,000 rubles. The loan agent receives remuneration only for the loan actually issued by the bank.

It can be very difficult for people who are not related to this area to understand banking products. And a loan agent should be as good at understanding offers as a bank employee. How is your agent training system built?

Training is carried out on the same day with the signing of an agreement with an agent. The sales department manager tells him about the products, services, the bank's requirements for customers, documents and hands over everything necessary for work: presentation materials, leaflets and other products. In the future, the bank specialist advises the agent on all issues of interest to him and explains the changes in the products. Re-training takes place when changes are made to the terms of credit, tariff plans, launching new loan products. Training takes place individually or in a group.

Pavel, what are your requirements for potential loan agents?

There are no age restrictions for working as a loan agent. It can be both a student and a pensioner. Citizenship and place of registration do not matter. The main thing is the desire to work and achieve the goal.

Have you somehow identified the circle of legal entities that are of interest to you for promoting products, or are you ready to cooperate with companies in any field of activity?

We are ready to cooperate with all legal entities, regardless of their field of activity.

Are there any in the bank "AGROPROMCREDIT" preferential terms lending or servicing for loan agents of your bank?

Anyone can become a banking agent. For this, you do not need to have the appropriate education. The main thing is to be a literate person and have a desire to understand the services that the bank provides to the population. You will be provided with training for this. In some credit institutions, an employee is assigned to agents, to whom they can always turn. The presence of such a mentor greatly facilitates the work, because you can call him during working hours and clarify some point.

To receive an agency fee from the bank, you can not look for clients on the side. Maybe your relatives, acquaintances or friends will be interested in the products of a credit institution. If you are interested in obtaining a loan or debit card appeared in a certain bank after your consultation, a person goes there on your recommendation. You can also provide your bank with the contacts of a person who is ready to agree to receive services after a conversation with you.

Bank employees will contact him and conclude an agreement. And you will receive an agreed percentage for the transaction or a fixed amount of remuneration.

You can offer banking services not only to your own. If you search for clients online, you are likely to earn more income than when consulting family members and members of your social circle. In addition, you can combine the work of a bank agent with your main activity. If you work with a certain base of individuals, you can attract someone from it. Just remember, this is not necessary during working hours and only with those with whom you have established informal, almost friendly relations.

Remember that engaging in personal business activities while working is officially prohibited in many companies, as well as using customer bases for purposes other than work.

Benefits and pitfalls

Working as a banking agent has both advantages and disadvantages. Among the first, it should be noted a free schedule, independent drawing up of a work plan. The downside is the lack of a guarantee of results. The fact is that the essence of the work of an agent is to attract customers. People can apply to the bank on your recommendation for a loan, but not get approval for it from the inspector. It turns out that you did your part of the work, but did not receive a reward, because it is paid only for new customers.

One of the sales channels for loans and guarantees of the Bank is an agency scheme implemented through partner banks, regional guarantee organizations (RGOs) and companies (including specialized legal entities, microfinance funds, microcredit companies, individual entrepreneurs).

SME Bank JSC implements two areas of cooperation within the agency scheme:

Who can become an agent of SME Bank JSC? Partner banks, regional guarantee organizations (RGOs) and companies (including specialized legal entities, microfinance funds, microcredit companies, individual entrepreneurs) that satisfy.

How to become an agent of SME Bank JSC? To organize cooperation in the provision of agency services, it is required to submit to the Bank at the address (address: Sadovnicheskaya St., 79, Moscow, 115035, Russia) a package of documents for participation in the agency scheme of SME Bank JSC for hard copy. A package of documents for participation in the agency scheme of SME Bank JSC is formed depending on the type of counterparty (Bank, Regional Guarantee Organization (RGO) or Company/IP/Microcredit Company (MCC)). If an incomplete package of documents is submitted as part of an application for participation in the agency scheme of SME Bank JSC, the application will not be accepted for work until the comments on the package of documents are eliminated.

SME Bank JSC carries out procedures for the selection of an agent and submits an agency agreement for signing.

Important! Agency contracts include the condition prohibiting the charging of commissions by agents from SMEs related to the provision of credit and guarantee support to them by SME Bank JSC

SME lending agents

The lending agent implements the functionality of attracting and selecting SME borrowers and/or supporting their loan obligations. The agent is paid remuneration depending on its functionality.

Agents have the ability to attract SME borrowers for lending within the Bank's product range .

Agents for attracting bank guarantees within the framework of 223 and 44 Federal Laws

Bank guarantees are provided to SME companies that are executors of contracts concluded under 44-FZ and 223-FZ. Agents for attracting bank guarantees within the framework of 223 and 44 Federal Laws implement the functionality of attracting and selecting SME companies.

As part of this area of ​​cooperation, the agent can attract borrowers on guarantees within the framework of 223 and 44 Federal Laws within the product range of the Bank

Requirements of SME Bank JSC for agents

1. Availability of a base of potential customers - SMEs

2. The potential Agent has experience in providing guarantees to SMEs (to perform the functions of attracting and selecting SMEs to provide bank guarantees in order to ensure the procurement of SMEs under federal laws No. 223-FZ and No. 44-FZ)

3. Absence of the fact of termination of the Agency Agreement concluded between the Bank and the Agent, at the initiative of the Bank.

4. The presence in the extract from the Unified State Register of Legal Entities / EGRIP of a potential Agent at least one of the OKVED codes (64.19, 64.9, 64.92, 64.92.7, 64.99, 66.1, 66.19, 66.19.4, 66.3, 66.30, 70.22, 82.9, all codes of group 9 4 ) that allow to carry out activities related to the functionality of agents.

5. At least 6 months have passed since the registration of the organization.

6. Lack of information that the organization / individual entrepreneur is in the process of liquidation or bankruptcy, the head or ultimate owners (individuals) of the organization, as well as the person acting as an entrepreneur, is in the bankruptcy information register as a debtor

7. Absence of comments on the reputation* of the head and ultimate owners (individuals) of the organization owning more than 10% in the authorized capital of the organization, as well as a person acting as an individual entrepreneur

8. Absence in respect of a potential Agent of information about involvement in extremist activities, legalization (laundering) of proceeds from crime, or financing of terrorism and financing the proliferation of weapons of mass destruction, as well as the absence of a potential Agent in the lists of the Bank of Russia and Rosfinmonitoring

9. Absence of pending arbitration proceedings in which the potential Agent acts as a plaintiff or defendant, with state authorities, state organizations (ministries and departments), supervisory, tax and regulatory authorities, as well as during the last two years in litigations involving a potential Agent as a defendant related to non-performance or improper execution obligations under agency agreements

10. Absence of data about a potential Agent in the register of unscrupulous suppliers

11. The absence of an organization in the list of legal entities that have not submitted tax returns for more than a year, in accordance with the information of the Federal Tax Service of Russia

12. Lack of unfinished enforcement proceedings on debts on taxes and fees, on payments in Pension Fund, funds of social and compulsory health insurance in relation to the audited organization in the amount of more than 30 thousand rubles or for a person registered as an individual entrepreneur - in the amount of more than 10 thousand rubles, as well as for debts under wages to employees

13. Absence of the fact that the head, ultimate owners of the audited organization or a person registered as an individual entrepreneur held the position of a member of the board of directors (supervisory board), collegial body (management board), as well as the sole executive body of the credit institution 6 months before the date of withdrawal from this organization is licensed to carry out banking operations

14. Absence of affiliation of the head of the organization or its ultimate owners / individual entrepreneur with the employees of the Bank

15. Absence of negative publications in the media regarding the potential Agent, which are significant in terms of reputational risks for the Bank

16. Lack of information regarding the potential Agent and legal entities and individuals legally affiliated with him about the existence of a negative experience of cooperation with the Bank for the following reasons:

• provision of knowingly false information and documents to the Bank;
• defaults of legal entities, individuals legally affiliated with the Agent and (or) individual entrepreneurs on credit transactions with the Bank;
• disclosure and subsequent failure to timely fulfill recourse claims under guarantees issued by the Bank issued for the obligations of the Agent;
• failure to fulfill contractual obligations under business contracts.

* “Notes on reputation” refers to information of a criminal nature, belonging to a high-risk group (drug addiction, alcoholism, mental illness and so on.).

Requirements for banks:

• Availability of a base of potential customers - SMEs.
• The absence of measures applied by the Bank of Russia to prevent the bankruptcy of credit institutions in the form of financial recovery, the appointment of an interim administration to manage the bank, and the introduction of a moratorium on satisfying creditor claims
• Absence of incomplete arbitral litigations that are significant in terms of reputational risks, in which the potential Agent Bank acts as a plaintiff or defendant, with state authorities, state organizations (ministries and departments), supervisory, tax and regulatory authorities
• Lack of information, including in the media, about claims from the Bank of Russia to the activities of a potential Agent Bank, the imposition of sanctions against it, as well as information negatively affecting its business reputation (taking into account Appendix No. 5 to this Procedure), in including, on the suspension or delay by a potential Agent Bank of making payments, on the introduction of restrictions on the conduct of operations, on the suspension of opening accounts or the termination of accepting or issuing deposits
• Lack of affiliation of the head and ultimate beneficiaries Bank-agent (individuals) with the Bank and its employees

Criteria applied in addition to banks when applying for attraction and selection of SME borrowers and maintenance (servicing) of their credit obligations:

• The absence of a reserve (reserves) actually undercreated by the potential Agent Bank in comparison with the amount required in accordance with regulations of the Bank of Russia (Regulation of the Bank of Russia No. 590-P “On the Procedure for Forming credit organizations reserves for possible losses on loans, loan and equivalent debt", Regulation of the Bank of Russia No. 283-P "On the procedure for the formation of reserves for possible losses by credit institutions", Ordinance of the Bank of Russia No. 1584-U "On the formation and size of the reserve for possible losses for transactions of credit institutions with residents of offshore zones”, Bank of Russia Ordinance No. securities, the rights to which are certified by the depositories”) in an amount exceeding 5 (Five) percent of the equity capital.
• Absence of losses within 2 (Two) last reporting dates.
• Absence of overdue debt in the amount of at least 12 (Twelve) percent of the total loan portfolio (determined according to the balance sheet accounts of section 4 of the chart of accounts "Loans granted, other placed funds" approved by the Bank of Russia).
• Absence of unpaid settlement documents of clients due to lack of funds on correspondent accounts (accounts No. 90904; No. 47418).
• Lack of data on the decrease in the value of the sufficiency standard own funds(capital) of the bank (Н1.0) to the level of 10.2 (Ten point and two tenth) percent and below.
• Lack of data on the decrease in the value of the bank's basic capital adequacy ratio (hereinafter referred to as the N1.1 ratio) to the level of 6.5 (Six point five) percent and below.
• Lack of data on the decrease in the value of the bank's capital adequacy ratio (N1.2) to the level of 8.0 (Eight point zero) percent and below.
• Lack of data on the excess of the share of loans of III-V quality categories of 50 (Fifty) percent in loan portfolio
• Lack of data on the excess of the share of loans of IV-V quality categories of 10 (ten) percent in the loan portfolio.
• No data on non-compliance established by the Bank Russian mandatory standards for 3 reporting dates.

Hi all! In the conditions of an unstable economic environment and periodically rolling crises, financial institutions have long preferred to use progressive types of attracting a client base.

One of these methods is an affiliate program, on which any adult citizen of the country can earn. And today we will talk about how to become a bank partner in the field of lending.

An agent who has entered into a partnership agreement with a financial institution is the link between individuals- potential customers of the bank and, directly, the bank itself. Any similar program is aimed at attracting new customers, and thereby increasing the volume of paid services.

Previously, in the state of each bank for such purposes there were specialists with a fixed salary. Today, with the advent of freelance agents, the number of such positions has decreased markedly.

A freelance partner is rewarded solely for productive actions - namely, for each attracted client. Thus, the agent receives piecework wages, which are more beneficial to the bank.

As a rule, active Internet users with extensive social connections, or simply people with good communication skills, become partners of a banking institution.

What do you need to conclude a contract?

You can become a bank partner and earn money both offline and online.

Offline mode, he is active earnings, provides for:

1. Written application to the bank.
2. Passing a security check.
3. The conclusion of the contract in paper format.
4. Registration of a bank account for the transfer of profits.

This method implies that you will personally or remotely find potential customers, set them up to order credit services and bring them “by the hand” to a financial institution.

Needless to say, this method requires special negotiation skills and persuasion in the need to purchase financial products.

Lighter and more passive online partnership. Its essence is as follows:

1. You choose the appropriate bank with the optimal terms of cooperation for you.
2. Register on its official website, or in the system of banking affiliate programs - special aggregators (for example, Admitad). You sign an agreement.
3. You place an affiliate link/banner on your website/page in a social network/comments to forums and blogs, etc.
4. Interested people follow your link/banner to the bank's website, purchase any product - credit, debit or pension card, mortgage, deposit, open a current account, etc.
5. For each execution of a banking product by a client attracted by your link, you receive a commission, the amount of which is specified in advance in personal account or signed agreement.

The majority of large banks do not publish affiliate programs on their websites and work exclusively through intermediary online aggregators. The most popular of them:

• Admitad . Tinkoff, Home Credit and Antalbank work with him.
• CityAds. Such institutions as Renaissance Credit, Home Credit, MFO Home Money, CitiBank, Rosgosstrakhbank, Russian Standard, Tinkoff cooperate with the service. The aggregator has a wide range of tools and detailed statistics.
• AD1 . Offers favorable conditions for the sale of banking products of Tinkoff Bank and Home Credit Bank.
• Leads. su . Here are banks that enter into an agreement only with owners of sites with credit traffic: Renaissance, Sovcombank, Tinkoff, Bank of Moscow.

Agency programs of popular banks

Among banking institutions working with agents directly, I will highlight the following.

Bank Vostochny

The bank offers cooperation to individuals, legal entities and entrepreneurs. To become a partner, go to vostbank.ru/legal/bank-service/agents and fill out the proposed application form:

• Contact number.
• Email.
• Service City.

Further algorithm:

1. The bank concludes an agency agreement with you.
2. You offer potential customers to open an account with Vostochny Bank.
3. The bank conducts negotiations and helps to collect documents.
4. You get rewarded for every client you bring.

Link vostbank . en / client / agents Vostochny Bank also offers to become one by issuing bank cards. Claimed income - from 20 thousand rubles with employment from 1 hour per day.

But the final amount, of course, will depend on your activity.

By choosing this option, you need to go through several steps:

1. Fill out on the site registration form, indicating the full name, date of birth, place of registration, passport data and TIN, education, city, information about the last place of work and family members. Verify phone number.
2. Wait for the status "Approved" in your personal account.
3. Install the free app on your smartphone.
4. Get to work.

Uralsib bank

The institution invites agents to cooperate on its page at uralsib.ru/business/sotrudnichestvo/login.

To take advantage of the offer of the bank, you need:

1. Fill out the proposed application form: full name, contact number, el. mail, field of activity, region.
2. Conclude an agency agreement: for this, a bank employee will contact you at the specified phone number.
3. Get an agent code.
4. Submit an application for an attracted client.
5. Get a commission.

Opening

The Bank enters into agency agreements with individuals. To initiate cooperation, the future partner opens a special card account at Otkritie bank by specifying it in the contract.

It will be needed to transfer commission payments.

Rewards are provided for each opened current account by a new client.

To become a partner, you need to go to services.openbank.ru/ru/partner and fill out the proposed application form, including: it is enough to provide contacts of potential customers - all other concerns regarding opening an account are taken over by the bank.

To apply, go to the page at rosbank.ru/malomu-biznesu/agentam and indicate in the form a contact phone number and name. After 15 minutes, a bank employee should call you back to clarify all the details.

Bank Zenith

On the page of your official website zenit.ru/business/agency Zenit invites those wishing to become agents to fill out an application with the following information:

• City.
• Contact phone for communication.
• Email.

You can also view the PDF documents here:

• Reward rates.
• Rules for working with agents.
• Application Forms.

The indicated rates are valid from 06/17/19 and are:

• 2500 rubles for each client when concluding 1-4 contracts per month (for Moscow).
• 2000 for each new client when concluding 1-4 contracts per month (for regions of the Russian Federation).
• 3500-2500 for each client when concluding 5-29 contracts monthly (for Moscow / regions, respectively).
• 5000-3500 rubles for each new client upon signing 30 or more contracts monthly (for Moscow/regions).

Mobile agent of Vostochny Bank - work as an agent with a free schedule for issuing credit cards using a smartphone or tablet with Internet access

Do you want to work in a bank? Vostochny Bank offers a job as a bank agent with the possibility of official employment. You will be able to earn from 15 thousand rubles from 20 thousand rubles per month using your smartphone or tablet, issuing credit cards Eastern Bank. The work schedule is free - you plan your working day yourself.

It is worth noting that the bank does not mind if you work as a mobile agent of Vostochny Bank with work in other organizations.

How much can you earn as an agent of Vostochny Bank?

Working as an agent of Eastern Bank will bring you a stable monthly income with little effort.

Vostochny Bank pays mobile agent from 600 rubles for one issued card. But if you issue 8 or more cards per day, you will already receive 800 rubles per card.

According to the reviews of those who already work as a mobile agent of Vostochny Bank, average earnings is 20 thousand rubles a month. Basically, such work is chosen by students and young mothers, since it is important for them to have a free schedule, as well as those who have free time in their main job.

With regular work as a mobile agent of Vostochny Bank, monthly earnings reach 50 thousand rubles.

How to get started?

• 1. Register on .
• 2. Sign a cooperation agreement.
• 3. Install mobile app, go through training and testing in it.
• 4. Pick up plastic cards at a bank branch and start looking for clients.

How to work with a client?

• 1. Make an appointment with a client.
• 2. Take credit cards and a comprehensive agreement with you banking services(DCBO).
• 3. Choose the best product for the client.
• 4. Obtain consent from the client for the processing of personal data.
• 5. Register in the application of the bank an application for issuing a card to a client.
• 6. In the application you will receive the approval of the application.
• 7. Sign a comprehensive banking service agreement with the client, receive an electronic signature, take a photo of the client's passport and the client himself with the issued card.
• 8. Once a week, send the originals of completed documents to the bank.

The list of credit cards you have to work with and the conditions of the bank are presented in the presentation:

Agent Requirements

• Age from 21 years old;
• sociability;
• Neat appearance;
• Grammatically correct speech;
• In the region in which the mobile agent of Vostochny Bank plans to work, there must be at least one branch of this bank.

Become a mobile agent of Vostochny Bank

To become a mobile agent of Vostochny Bank and start working, you need to go through registration at the bank, for this, fill out an application on the official website of the bank.