The position of a credit specialist in the car lending direction in a bank is a type of position of a credit officer. It specializes only in car loans. Such a narrow specialty allows you to know all the subtleties and nuances of this area and skillfully apply them in practice. His place of work can be either a bank branch or a car dealership. The latter place is more convenient for salon owners and clients, because you don’t need to go specifically to a bank branch to calculate all the offers and find out about the conditions for obtaining a car loan. While at the car dealership, a loan officer can immediately advise a potential client on the spot, explaining all the conditions for obtaining a car on credit, fill out an application, submit it for consideration and issue the required amount right on the day of application. This approach allows you to increase sales significantly, since customers most often apply for car loans in such convenient conditions.

Salary of a credit specialist in the car lending direction at a bank.

The average salary of a car loan manager is from 35,000 rubles. In metropolitan regions the level is higher - from 40,000 rubles, in others - from 20,000 rubles. Since income depends on the level of implementation of plans, income consists of two parts:

• The salary is a fixed amount, less than which the specialist will not receive. Usually its share in total income is no more than 30-50%, which motivates the employee to work.
• The premium is a variable value, depending on a number of factors, such as the implementation of the sales plan, quality of service, activity in attracting new customers, timely payment by clients of issued loans, etc. There is usually no minimum or maximum amount for the bonus; it is paid at the discretion of management.

Requirements for a credit specialist in car lending at a bank:

• Secondary specialized or higher education. There is usually no requirement for higher education. This position is one of the lower-ranking banking vacancies, so even part-time students pursuing higher education can be accepted.
• Confident user of PC and office programs. A car loan employee needs to constantly work with a large number of documents in paper and electronic form, so good computer skills and knowledge of standard programs are simply necessary.
• Ability to work in a team and excellent communication skills. To apply for a car loan, a specialist needs to interact with several participants at once: with clients, with representatives of a car dealership, with his immediate management, and insurance companies. The result of the work depends on the ability to negotiate and unite a single team of all participants. A specialist with developed communication skills will be able to persuade the client to apply for a loan with him and in this particular car dealership, and will conduct the entire transaction quickly and competently.
• Customer focus. This factor is the main one. If a specialist behaves passively with clients, then the client will feel uncomfortable and uncomfortable, so he will go to another salon and to another specialist, where he will really be welcome. A positive attitude increases the loyalty of a potential borrower, which means he is more likely to apply for a car loan here.
• Experience in auto lending. It is more encouraged than required. Sometimes a young specialist with no experience can be hired for these positions and trained directly at the bank.

Responsibilities of a credit specialist in the car lending direction at a bank:

• Competent advice to clients on car lending issues. The specialist is obliged to convey to the potential borrower all the necessary information in order to push him to make a purchase. The consultation should be clear, clear, and understandable so that the client does not have the unpleasant feeling that he may be deceived or hide something.
• Filling out application documents. After the client agrees to issue a car loan, the loan specialist must correctly fill out all the documents, the borrower’s application form, passport data, send the application to the bank and wait for a response. After approval, you need to sign a loan agreement, obtain insurance and all related documents.
• Formation of a base of existing or potential clients. The bank's car loan officer must compile and replenish the database of potential clients who can be offered a car loan in the future and notified of all promotions, discounts, and advantageous offers. All this may interest the future borrower and encourage him to take out a car loan.
• Support of credit transactions. The loan specialist must accompany the client from the stage of filling out the application to receiving the car. If the client is “abandoned” immediately after signing the contract, this will negatively affect the specialist’s reputation. If the borrower receives competent answers to all his questions on time, then he will advise all his friends to buy in this particular salon and apply for a loan from this particular specialist, who accompanied him throughout the entire transaction.
• Negotiating with partners on issues related to car loans. Applying for a car loan is a multilateral process that involves several parties to the transaction: the borrower, the lender, the car seller, the insurer, etc. In order to launch this mechanism, the loan officer must establish a negotiation process between the parties. This will save time and avoid delays in completing the transaction.
• Transfer of reports further to lending departments. All executed agreements must be transferred to the appropriate department of the bank for subsequent storage and completion of reporting documents. A specialist’s careless attitude to this issue is unacceptable, because timely submitted reports and documents indicate a responsible attitude to work and positively characterize the employee.

[Corporate logo of the credit institution]

[Name of the bank]

Appendix 9

to the Order on approval and introduction
into force of job descriptions
Department employees
lending
from ["__" _________ 20__] № [_____]

JOB DESCRIPTION
credit consultant

1.1. Position: credit consultant of the retail lending department (hereinafter referred to as the Credit Consultant).

1.2. A credit consultant is appointed to a position and dismissed by order of the [manager (position name)] of [the bank (its name is indicated)] (hereinafter referred to as the Bank).

1.3. The credit consultant submits to, reports to, receives orders and work instructions from the head of the personal lending department (hereinafter referred to as the Head of the Department), and in his absence, from the person performing his duties.

1.4. Labor relations between the Credit Consultant and the Bank are based on the legislation of the Russian Federation, internal regulations of the Bank and this job description.

1.5. The purpose of the position is initial interaction with clients when carrying out work on lending to individuals in order to increase the Bank's income, satisfy the economic interests of borrowers and increase the profitability of the Bank's activities.

1.6. The Bank provides the Credit Consultant with a workplace and a compensation package in accordance with the Personnel Regulations*.

*	Or with the terms of the employment contract, or another document.

1.7. Working hours: normal working hours.

2.1. The credit consultant performs the following functions:

2.1.1. Provides initial credit servicing to individual clients:

Accepts and reviews loan applications for loans from individuals;

Forms a package of documents for obtaining a loan;

Analyzes the creditworthiness of clients - individuals based on the documents provided;

Submits the borrower's documents for review by employees of supporting departments;

Draws up a conclusion on the feasibility of issuing a loan, lending conditions and forms of ensuring the repayment of issued loans.

2.1.2. Participates in work to study the bank lending market for individuals.

2.1.3. Consults clients - individuals on lending issues.

2.1.4. Keeps records of concluded loan agreements, collateral agreements and transactions carried out on them in accordance with the rules adopted by the Bank.

2.1.5. Studies legislation and modern technologies in the field of bank lending to individuals.

2.1.6. Develops and submits current reports on its activities to the head of the Department.

2.1.7. Carries out activities within the framework of combating money laundering and the financing of terrorism.

2.1.8. Makes proposals to the Head of the Department to improve existing and introduce new forms and methods of work.

2.1.9. Performs other duties within the scope of authority determined by the Bank’s internal documents and legislative acts.

2.2. When performing his functions, the Credit Consultant is obliged to:

2.2.1. Perform duties in accordance with the Bank's policies and procedures for the provision of banking services and the development of the Bank.

2.3. When performing his functions, the Credit Inspector has the right:

2.3.1. Conduct negotiations with clients on behalf of the Bank within the limits of their competence in accordance with this job description.

3.1.Required:

3.1.1. Secondary specialized (financial or accounting) education.

3.1.2. Knowledge of regulations, instructions and other governing documents of the Central Bank of the Russian Federation on lending issues.

3.1.3. Knowledge of the basics of tax legislation of the Russian Federation to the extent sufficient to carry out the assigned functions.

3.1.4. At least one year of experience working in a credit institution.

3.1.5. No criminal record.

3.1.6. Absence of facts of termination of the employment contract at the initiative of the employer in accordance with paragraph 7 of Article 81 of the Labor Code of the Russian Federation within one year preceding the day of appointment to the relevant position.

3.1.7. Ownership of a personal computer - MS Word and MS Excel package to the user's extent.

3.2. Desirable:

3.2.1. Possibility to work overtime.

3.2.2. Good learning ability.

3.2.3. Communication skills.

4.1. The credit consultant is responsible for the proper implementation of this job description, the instructions of the Head of the Department, the requirements of current legislation and internal regulations of the Bank regarding the implementation of the Bank's credit policy.

5.1. Upon appointment to a position, approval is required from the Head of the Department.

I have read this job description and I have received a copy:

(date of)		(signature)		(first name, patronymic, last name)

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

Any bank is a financial and credit institution, and lending services are one of the most popular.

It makes it possible to acquire any material assets even if the required amount is not available. Of course, the population needs loans. For banks, in turn, the implementation of such a service provides an opportunity 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 and 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 a given position, special attention is paid to 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.

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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 amount of the 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 the authenticity and presence of the necessary documents with further transfer to the appropriate department 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;
• accompaniment . 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;
• the possibility of demanding improved working conditions;
• 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;
• for causing material harm to the employer;
• for violation ;
• for offenses occurring during the employee’s working life.

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

The position of a loan specialist is currently very relevant and in demand in the labor market.

To receive an invitation, you must submit a preliminary application.

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

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 in banking products, but energetic young people without 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 goes for mortgage professionals. 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 lucrative offers and 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.

The rules for selling banking services are discussed in the following video training:

Closed Joint Stock Company "Gamma"

Job Description No. 6
loan specialist

Moscow 2015-01-02

1. GENERAL PROVISIONS

1. This job description defines the job duties, rights and responsibilities of a loan specialist.
2. The decision on appointment and dismissal is made General Director .
3. A person with a higher professional education or secondary vocational education and (or) additional professional training is appointed to the position of loan issuance specialist.
4. The loan specialist is guided in his activities by:

• current regulatory legal acts on the work performed;
• charter of the organization , local regulations of the organization;
• this job description.

1. The loan originator must know:

• basics of civil legislation; legislation on consumer protection;
• labor legislation; internal labor regulations; labor protection and fire safety regulations;
• fundamentals of sociology, psychology and labor motivation;
• ethics of business communication.

1. The Loan Specialist reports to to the immediate supervisor .
2. During the absence of a loan specialist (vacation, illness, etc.), his duties are performed by a person appointed in the prescribed manner.

2. JOB RESPONSIBILITIES

The Loan Specialist must:

1. Provide advice on loan terms.
2. Conduct an assessment of the borrower's creditworthiness.
3. Prepare documents for issuing a loan.
4. Work with the issuance and repayment of loans.
5. Work with borrowers with overdue debt.

The loan specialist has the right to:

1. Get acquainted with the project solutions manuals concerning his activities.
2. Make proposals for improving work related to the responsibilities provided for in these instructions.
3. Require from manuals providing assistance in the performance of official duties.
4. Request via immediate supervisor information and documents necessary to perform their job duties.

4. RESPONSIBILITY

The Loan Specialist is responsible for:

4.1. For improper performance or failure to fulfill one’s job duties as provided for in this job description, within the limits determined by the current labor legislation of the Russian Federation.

4.2. For violations committed in the course of carrying out its activities, within the limits determined by the current administrative, criminal and civil legislation of the Russian Federation.

4.3. For causing material damage within the limits determined by the current labor and civil legislation of the Russian Federation.

Read about the job description of a sales manager

5. PROCEDURE FOR REVISING THE JOB DESCRIPTION

5.1. The job description is reviewed, amended and supplemented as necessary, but at least once every five years .

5.2. All employees who are subject to this instruction are familiarized with the order to make changes (additions) to the job description against signature.

The job description was developed in accordance with the order General Director from 2015-01-02. № 6 .

AGREED

I have read these instructions.
I received one copy in my hands and undertake to keep it at my workplace.

The profession of a credit manager is a very broad concept, and you won’t find any number of specialist titles! Credit manager or broker, expert, appraiser, consultant...

A lending specialist communicates with clients, assesses the borrower's solvency, selects suitable loan terms, processes loans and follows them up until closing. Already within this activity there are specializations in the following parameters:

• who exactly is the borrower (individual or organization);
• what kind of loan (consumer, mortgage, auto, business loans).

Places of work

Loan specialists can work:

• in banks, leasing and investment companies;
• in retail outlets - car dealerships, jewelry stores, household appliance stores, and in general in any store that offers fairly expensive goods. This specialist can represent both the bank and the store itself, which interacts with banking structures;
• in the financial and economic departments of large companies.

History of the profession

The need for borrowed money arose with the advent of money. Until the middle of the 18th century, when the first banks appeared, people turned to moneylenders for loans.

The financial needs of modern people have increased greatly. Small consumer loans, car loans, mortgage loans, as well as loans for small and medium-sized businesses are in particular demand. In this regard, the position of credit manager has become very popular today.

Responsibilities of a Credit Manager

Although many of the job responsibilities of a lending specialist may vary, the main thing is that he organizes and carries out all credit transactions. It could be:

• advising clients on loan terms;
• calculating the loan amount and drawing up a payment schedule;
• filling out a loan application and checking the provided documents;
• monitoring customer solvency, risk assessment;
• control over the borrowers’ use of received funds, support of the issued loan until its full repayment;
• distribution of other banking services.

In a bank, the job responsibilities of a lending manager are:

• attracting and consulting clients;
• conclusion of loan agreements;
• ensuring timely return of funds.

In the largest banks, credit specialists specialize in types of lending: consumer, mortgage, automobile, card products.

In a large company, the credit manager of the financial department is responsible for:

• drawing up the financial section of the business plan;
• searching for profitable financial sources of lending;
• work with securities (bonds, bills);
• management of the enterprise's credit portfolio.

Requirements for a loan manager

To start working as a lending specialist, it is enough to be an adult citizen of the Russian Federation with secondary education. Banks, credit organizations and retail outlets usually do not have special requirements for either age or education and teach beginners their credit products free of charge in their own training centers.

However, having a higher economic education and experience in finance, you can count on the position of VIP client manager or department head.

The requirements for a lending specialist in a large company are much higher:

• higher economic education;
• knowledge of financial and economic analysis;
• in matters of lending and investing funds;
• experience working in credit banking institutions;
• PC ownership;
• good negotiation skills;
• pedantry.

Credit manager resume sample

How to become a loan manager

You can become a lending manager at specialized universities in economics or finance faculties with specialties in “Banking”, “Finance and Credit”. Or at the employer’s training center.

Credit manager salary

The salary of a lending specialist directly depends on his professional experience and usually consists of salary, bonuses and bonuses. A beginning specialist usually earns around 20-25 thousand rubles per month. The average salary of a lending manager is 40 thousand rubles per month. The maximum monthly income can reach 80 thousand rubles.

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 the direction of "".

The Institute of Professional Education "IPO" invites you to take distance courses in the direction of "" (there are options 256, 512 and 1024 academic hours) to receive 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.