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 are working with a specific base individuals, you can draw someone from her. 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

Job banking agent has both pluses and. 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.

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 the completed credit card the agent will receive 250 rubles for the 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.

You somehow defined the circle legal entities, which are of interest to you to promote products, or are you ready to cooperate with companies of 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?

Loan brokers are people who act as intermediaries between borrowers and banks. In some situations, only with the help of a loan can you cope with financial problems Therefore, the services of such specialists are quite in demand.

Brokers provide clients with advice, as well as help them arrange all primary documentation. Before you turn to such a specialist for help, read the reviews of former clients on the Internet to assess the level of his preparation. If you decide to work independently in this direction, you should know that before becoming a loan broker, you must first undergo special training.

How to start a brokerage business?

In any case, first of all, you need to draw up a competent business plan for a loan broker.

It should consist of the following items:

• Service list;
• Office location;
• Staff;
• The level of competition;
• Payback of a business project.

To understand everything in more detail, you need to familiarize yourself with a step-by-step business plan on how to become a loan broker, and study each of its points separately.

Business registration

To start a commercial activity, you need to open an LLC or register an individual entrepreneur. If you do not have enough time or money for this, before becoming a broker, you can work with the first clients without official registration, as a private person. But in order to avoid problems in the future, the documents must be formalized. For the first time, you can work in the status of an individual entrepreneur under a simplified taxation system.

No certificates, licenses or other permits are required for intermediary activities in the field of lending.

Services

Some banks provide a special program with which they exchange information with a broker over the Internet. This greatly simplifies the work. The more partner banks you have, the more visitors will appear in the company.

Office location

It is desirable that the office space is located near a bank, a business center or a car market. If you manage to choose the right location, the influx of customers to your company will be stable.

You don't need a big office to work. It is enough to rent a room with an area of ​​​​10-20 square meters. meters. It should equip jobs for managers who will provide customers with information about the loan products of different banks, as well as their advantages and disadvantages.

A credit broker can run his business without an office. In this case, all you need to work is a table, a chair and a computer with Internet access. You can also advise clients by visiting their homes. Such a service usually costs more, so it brings additional profit.

Staff

To work in a brokerage office, you need to hire the following staff:

• Managers;
• System Administrator;
• Accountant.

Managers must objectively assess the solvency of customers, as well as clearly know the procedure for obtaining a loan. Therefore, for such a position it is desirable to take former employees banks or graduates with higher economic education with their further training in practice.

Such specialists are paid a fixed salary of 6-10 rubles and a certain percentage of each transaction. From each loan, employees receive 0.5-1%. When things get better, the salary can be withdrawn, since quite a decent salary will be obtained on interest. Each employee must have his own workplace, for the arrangement of which 40 thousand rubles will have to be spent. You will also have to purchase a dedicated channel on the Internet and a telephone line.

As an accountant and an IT specialist, you can hire employees from an outsourcing company. The system administrator will come to the office once a quarter. He will have to pay about 2,000 rubles for each visit. An accountant charges an average of 20,000 rubles a month for his services.

As you can see, the business idea of ​​a loan broker does not require large investments, but at the same time it allows you to get a good profit.

Business promotion and competition

In order to promote this business, it is advisable to use outdoor advertising and the Internet.

If your company has a corporate website, it will significantly raise its status. It contains information about prices and services. Also, promote your business through forums and print ads.

Payback

The payback period of the initial investment largely depends on how well the company works. Of the 60–70 clients who visit the brokerage office every month, 30–40 people receive loans. Some of them are screened out by banks, and specialists themselves refuse to work with the rest. At first, you will have about 20 visitors per month. But over time, the client base will begin to grow, and income will increase. Success in work is ensured by a successful advertising campaign. Under favorable circumstances, you will return the starting capital in 3-4 months. Now you know how to become a broker in Russia, so everything is in your hands.

Main difficulties

Beginning businessmen face many problems that prevent them from gaining a foothold in the market. The first is finding clients. This question is central to any kind of business. Many clients are simply afraid to contact such specialists, because there are many scammers among them. If you charge a large advance for your services, it is unlikely that your office will have many visitors.

In addition, clients want the broker to guarantee that they can get a loan. Most often, these are people who cannot officially confirm their income, or customers with a bad credit history.

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Remember that a solvent client with a positive credit history cannot be denied by several banks at once. If this happened, then he hid some information from you. Therefore, do not forget to check all documents so as not to get into an unpleasant story.

Main problems

If you have firmly decided that I want to become a broker, you must first of all familiarize yourself with all the problems that may arise in the process of work.

Most banks refuse to cooperate with unknown specialists. They believe that a conscientious borrower will come to them for a loan without seeking outside help. Therefore, it is quite difficult to understand how to become a successful broker without having any connections with the bank's management.

conclusions

Once you know what it takes to become a broker, you can get to work. Promoting your own brand without bank connections and a large customer base is not so easy. To understand all the intricacies of this business, you should first work as a loan agent and study everything in detail.

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 .

recruitment agents 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 (Bank of Russia Regulation No. 590-P "On the procedure for the formation by credit institutions of 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", Bank of Russia Ordinance No. 1584-U “On the Formation and Amount of the Reserve for Possible Losses for Operations by 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.

To become a loan or mortgage broker, you need to learn how to assess the creditworthiness of clients, study the conditions of lenders in the region of work, organize the flow of clients and find a place to meet clients. In the article, we will briefly go through each item and give links for detailed study.

A credit (or mortgage) broker is an intermediary between banks and borrowers. It helps the borrower to get a loan if banks refuse. The broker does not lend money out of his own pocket. He advises borrowers and selects lenders for them. He is paid money for credit checks, advice and assistance in obtaining a loan.

Learn to assess creditworthiness

A credit assessment helps the broker to select the right lender and loan product for the client. For example, a mortgage broker is approached by a client with no experience in lending. The client needs a mortgage, but the banks refuse. The broker will help to form a credit history so that any bank approves a mortgage.

Another example: a client contacts a broker with overdue payments on a loan. I urgently need a loan, but everywhere they refuse. The broker finds a credit cooperative that is ready to give a loan secured by an apartment. The client closes the delays, his credit history improves, he can get a loan.

To learn how to assess creditworthiness, articles, videos, courses and your own experience will help.

The broker also needs tools for assessing creditworthiness: credit history, credit rating, scoring and others.

Study lenders in the region of work

To select a suitable lender for a borrower, you need to know the loan products and the "entry threshold" of various banks, MFIs and CPCs. For example, an individual entrepreneur addresses a broker: he needs money for business development. The broker knows that in Zoloto Bank they don’t lend to small businesses at all, in Silver they lend against real estate, in Olov you can get a loan without collateral. If the IP has a pledge, the broker will send it to Silver, if there is no pledge - to Tin.

For convenience, brokers set up a table with credit organizations of the city. In this table they write credit organizations, loan products, interest rates and requirements for borrowers. We recommend that you update this table at least once a quarter because loan conditions and interest rates change frequently.

Fragment of the table with credit organizations

Organize the flow of customers

Usually brokers use three tools to attract customers: online, outdoor advertising and word of mouth. The last tool is connected over time - when there are many satisfied customers behind them who recommend the broker to their friends. Practice shows that 3-4 months of active work are enough for clients to start returning themselves, bringing acquaintances, colleagues and friends.

Online there are two ways to go: create a platform for collecting visitors and set up advertising traffic or buy ready-made applications. A classic example of a platform and traffic: website + contextual advertising. If you type “help in obtaining a loan” in Yandex, then in advertising places you will find ads from loan brokers.

Contextual advertising of credit brokers

Outdoor advertising: billboards, bus stop advertisements, flyers, etc. Compared to online advertising, outdoor advertising is more expensive. You need to design a layout and print it. For example, a broker from Yekaterinburg Pavel Babushkin. Also, outdoor advertising is more risky: to test its effectiveness, you need to print the whole batch. Online testing is much cheaper. For novice brokers, we recommend starting with online advertising, and when a steady stream of clients from the Internet appears, connect offline channels.

word of mouth- a nice bonus for brokers who do their job well. Loyal customers come from the recommendations, for which you do not need to pay. To encourage referrals, some brokers offer cash bonuses to clients. For example, broker Ibrahim Badalov, from whom the client came.

Find a place to meet with clients

It is not necessary to rent an entire office to receive clients. You can rent a workplace in a coworking space, and with advanced clients, you can completely limit yourself to “meetings” on the Internet: email, instant messengers, Skype calls. For example, the Moscow broker Alexander Dmitrishin, and the already mentioned Pavel Babushkin.

But if you still decide to rent an office, it is better to be closer to the city center, at the intersection of transport routes. If renting in the center is not affordable, options near the metro or large hubs are suitable public transport. The office should be located in a decent building so as not to scare away visitors. The main rule is transport accessibility from all parts of the city. Otherwise, you will lose some customers.