The relationship manager of the bank, relatively speaking, is the one with the most room for development in the grassroots bank, whether it is personal income or career promotion. Nowadays, the promotion of the bank still pays more attention to personal ability, there is a relationship without the ability to seek a stability, there is a relationship and ability that is like a tiger with wings, and it does not matter if you have the ability, that is the way most people open.
Now anyone who comes into contact with the business has the title of "manager". Our tellers also have a lofty title - "customer service manager". In general, bank relationship managers can be divided into personal relationship managers and corporate account managers.
Personal Relationship Managers can be divided into Personal Finance Managers and Retail Credit Account Managers;Corporate account managers can be roughly divided into small and micro business and corporate business, and corporate business can be divided into asset business and liability business.
An account manager is a resource-intensive position. Seeing this, don't be discouraged, thinking that you can't be an account manager without resources. The resource attributes that come with this position allow you to get a steady stream of support. Pure hand-hitting, where you want to say it, when the time comes, you will replenish it.
Account managers need to constantly consume various resources in order to get back their own business, with business can be reflected in the improvement of performance and the improvement of status in the industry, and you will have your position when you have the opportunity to be promoted.
In terms of internal resources, the internal resources of the credit account manager are first of all their own vertical leaders, and when there are many internal affairs that need to be coordinated, you need your vertical leaders to come forward to coordinate. How far he is willing to fight for you depends on how much you "market" him, because after all, the business is not his performance nor his.
The second is to review and approve resources. Isn't it a little strange to treat review and approval as your own resource?Not really. Why do some loan officers pass the case quickly and rectify less?Why do you have to ask the client to provide supporting information?You can taste it.
These internal resources do not need you to use what relationship or background to maintain, there is no black thick, it is the active communication and problem-solving attitude in the work can be built, find the common interests of both parties in this matter, based on this basis to carry out efficient communication, this is the embodiment of the "professional" place of the little loan officer.
In terms of external resources, I have been an account manager for 7 years, and it will be difficult to get started from retail to corporate. I have tried unfamiliar visits, ** marketing, sticking small cards and other unpopular methods. It was a difficult time, and I was so happy when I waited for the first customer to call me and ask me how the loan worked. But still have to keep it professional, haha. The most effective way to expand external resources is customer referral, which is a trick that has been tried and tested, and who knows who uses it.
When I serve customers, I am not very good at blowing water, often first collect industry trends and then visit, in the customer's perspective to help customers find the benefits that can be obtained from my loan to you, such as saving time and effort, fast speed, low interest rate, high amount, etc., as long as there are benefits, whether it is economic or psychological, coupled with a professional and non-exaggerated service attitude, my business began to be smooth sailing after two years.
By the way, as an account manager, don't cooperate with bad intermediaries, there are lessons of blood and tears around me. Honestly use the platform provided by the bank to expand the source of customers steadily, and finding an intermediary is tantamount to drinking water to quench your thirst.