南京招聘

信贷员（客户经理）的岗位职责主要包括市场开拓、业务受理、调查评估、合同起草、贷款发放及贷后管理等方面。

一、市场开拓 深入广大“三农”领域，宣传和介绍本公司的各项业务品种，积极进行市场营销，努力开拓业务，积累客户资源，完成公司下达的市场开发目标。

二、业务受理 受理客户提出的贷款申请，收集客户的有关资料，并对资料的完整性、有效性和真实性进行审查。

三、调查评估 对客户申请贷款业务的合法性、合规性、安全性和盈利性等进行调查，对调查资料的真实性负责；对客户和贷款业务进行风险评级和分类，根据调研论证的结果独立、客观地完成“贷款业务申请审批意见书”；对贷款额度、期限、利率(费率)和担保情况等提出明确意见，经信贷经理同意后报风险控制部门做进一步论证。

四、对公司决定发放贷款的业务，信贷员负责实施发放工作；对公司不准备发放贷款的业务，信贷员应负责做好对客户的解释工作并退回相关资料。

五、合同起草 信贷员应按照贷款审批委员会的决策意见，起草相应的合同或协议，经风险控制部门审核通过及公司领导、法律顾问认可后最终形成定稿。

六、贷款发放 根据贷款审批委员会的决定，和客户签订与借款有关的合同或协议，并及时到相关部门办理评估、公证、权属登记等手续，保证贷款规范、及时地发放。

七、贷后管理 对借款人及时建立信贷档案，定期或不定期地走访和约谈借款人，跟踪调查借款人的贷后经营及财务状况，督促借款人按时付息及归还借款本金，对可能出现的贷款风险及时预警，对未能及时还款的客户，制订催收和清欠计划，并根据批准意见迅速实施。

八、完成领导交办的其他工作。

The job responsibilities include marketing, service acceptance, investigation and assessment, contract drafting, loans and loan management etc..
1. Market development into the "three rural" areas, propaganda and introduction of the company's business, active marketing, efforts to develop business, the accumulation of customers resources, completed the company's market development goals.
2. The admissibility of business customers receive the loan application, collect customer information, and the integrity of the data, the validity and authenticity are reviewed.
3. Investigation and assessment for customers to apply for loans business legal, compliance, safety and profitability were investigated, be responsible for the authenticity of the data on the customer and business loans; risk rating and classification, according to the research results of independent, objective to complete the" loan approval opinions on"; loan amount, term, interest rate ( rate ) and the security situation put forward explicit opinions, the credit manager approval report risk control departments for further argument.
4. The company decided to provide business loans, loan officer is responsible for the implementation of the issuance of work; the company does not prepare the business loans, credit member should be responsible for the customer to explain and return relevant information.
5. Contract drafting loan officer should be in accordance with the loan approval committee decision making opinions, the drafting of the relevant agreement or contract, risk control department approved and company leaders, legal recognition eventually finalized.
6. The loan according to the loan examination and Approval Committee's decision, and customer sign and loan contract or agreement relating to the relevant departments, and timely assessment, notary, registration procedures, specifications, timely delivery guaranteed loans.
7. Management after loan of the borrower to establish credit files, regular or irregular visits and interviews with the borrower, the borrower 's loan investigation after operation and financial status, urge the borrower to repay the loan principal and interest, the possible risk of loan timely warning, for failure to timely repayment customers, develop collection and restructuring plans, according to the approved comments rapid implementation.
8. Complete other tasks assigned by the leadership.

    南京市江宁日升隆农村小额贷款公司于2009年10月成立，由全国首家小额贷款试点企业——山西省日升隆小额贷款有限公司与本地企业共同发起成立，具有贷款发放、应付款保函、融资担保、助贷业务、保险代理等服务功能，在江苏省小额贷款公司监管评级中被评为首批AAA级企业。
    公司本着“服务大三农，助力小企业”的经营宗旨，立足发展为本，把握商机，引进山西日升隆的成功经验和运作模式，不断完善内控制度，为广大小微企业、农业合作社、种养殖专业户、农副产品生产、收购、流通和加工企业等各类经济组织提供小额贷款服务，对涉及“三农”的重点扶持户，还优惠利率10%～15%。
    作为南京市第一批小额贷款公司，几年来，我们高效、快捷的办事效率，灵活多样的产品、简便的业务手续深受广大客户好评，实现了社会效益和经济效益的双丰收，不仅为南京农村小额贷款公司的发展迈出了第一步，而且为本地农村经济发展做出了自己的贡献。
    现因业务发展需要，特诚聘信贷人员若干名，公司将提供富有竞争力的岗位薪酬，业内一流的管理培训，以及良好的晋升空间，欢迎从事农村金融事业的有志之士加入，这里将是您人生的新起点。