Rebirth of financial migrant workers

Chapter 246 A difference of one word can lead to a thousand miles.
Just when Dr. Ma was about to strike preemptively and the word 'you' popped out of his mouth, Wang Chunliang spoke first:
"Doctor, long time no see. How are you doing?"

Ever since he joined the risk management department and was assigned to do hard work by his boss on the grounds that he had a doctorate, Ma Yuan was somewhat sensitive to the title of 'doctor'.

What's more, this word came out of Wang Chunliang's mouth, coupled with his expression that was half-smiling but not smiling.

Although there is no direct evidence, Dr. Ma has reason to suspect that the other party is mocking him.

Faced with this provocation, as the leader of the loan liability determination team, Dr. Ma felt that he had to kill the other party's spirit.

He picked up the thick identification form, slammed it on the table, and said sternly:
"you--"

The word 'you' popped up again, but was interrupted again by Wang Chunliang. Wang Chunliang first packed up the messy form, and then casually looked at the account managers of each branch recorded on it. 'Crime' committed.

"Doctor, you guys have had a hard time sorting out the charges against so many front-line employees. But I have a question, why are there no charges against the branch president?"

Without waiting for Ma Yuan's answer, Wang Chunliang continued to talk to himself, "This question may be a bit over the top for Dr. Ma who has just joined the risk management department. It's a pity. If you were a doctor, you would still be in a loan center. If you are, you will definitely have a good time this year. Because in addition to Shuanghe Land, there are several real estate mortgage projects that have been handed over to our Sanlimiao branch. Our small branch is short of manpower, so we will definitely allocate part of the loan center to you. business, so that everyone’s tasks can be completed in advance.”

These words just touched on Dr. Ma's pain point, which inevitably made him feel a little distressed, and the corners of his mouth even twitched slightly involuntarily.

After taking a few seconds to quickly calm down, he said:
“I went to the risk management department to do my part in improving the branch’s back-office business.

I am going to rely on my many years of front-line work experience to find out those of you who don’t take pre-loan investigations and post-loan inspections seriously.

Okay, let’s not go too far. The branch is here today to determine liability for Weixin Steel Trading’s problematic loan.

Wang Chunliang, is there anything else you want to defend yourself about this loan? "

Wang Chunliang: “When I first applied for a loan from Weixin Steel Trade, I felt that this company was not very good, and the facts proved that it was indeed the case.”

Dr. Ma interrupted Wang Chunliang again and said impatiently:
"Since you thought it was impossible, why didn't you stop the loan in the first place?"

Wang Chunliang looked innocent: "You stopped me, but I am just a small branch department manager. I was originally responsible for the retail business, but I was forced to sign on this loan. The order of the branch president, we are an employee of the branch I don’t dare not listen.”

"Haha, when determining responsibility, the parties involved will quibble and claim that they objected with their words at the time. However, the fact now is that although you said you objected, you have already signed the approval form. What we pay attention to when determining responsibility is evidence, approval The form is proof that you agreed to the loan in the first place.”

The other members of the branch's responsibility identification team nodded after hearing this, expressing their support for the doctor's statement.

No matter what you say now, we will only recognize the approval form you signed.

Wang Chunliang raised his right hand and interrupted with a blank expression:
"Um, I would like to ask for advice. Why did the branch assume that I agree with the approval form?"

Dr. Ma opened his mouth wide at first, and then sneered, thinking that this person did not dare to admit that he was obsessed with reality.

He took out the loan materials, turned to the page of the branch's third-level approval form, shook his head helplessly and said:
"I know it's hard for you to accept the fact that you're about to be punished, but it's signed in black and white with your signature. Why, you won't say these weren't signed by you, right? I took a photo of you from the personal loan center before I came here. Once compared with the handwriting of signatures used when submitting mortgage applications, it can be said that the two handwritings are exactly the same."

"Ahem, doctor, I did not deny that the signature was signed by me. But, how about you take a closer look?"

"What are you looking at? Isn't it just a signature with your name and review comments, 'I intend to agree, please review.'"

Dr. Ma didn't finish speaking, his mouth was still opening and closing, but the last word 'nuclear' was stuck in his throat and he couldn't come out.

His face turned red and his eyes were fixed on the small area on the third-level approval form where the department manager, the reviewer, signed the opinion.

After a while, Dr. Ma rubbed his eyes and confirmed again.

Yes, it is a signed opinion. Although the handwriting is a bit sloppy, if you look closely, you can still clearly distinguish it.

The whole sentence is not the common template that everyone thinks of as "I agree, please review and approve", but "Do you agree, please review and approve".

Such a subtle difference of one or two words can make a big difference.

'To agree' expresses a subjective affirmative tone, while 'agree' does not represent any subjective opinion, it is just a question, and the authority for approval is handed over to the next approver, the branch president.

In more than ten years of working in the industry, this is the first time Dr. Ma has encountered such a situation.

With his mouth still open, he pulled out the approval form and handed it to Zhao Haibo, the longest-serving member of the team.

Zhao Haibo immediately put on the classic expression of an old man on the subway looking at his cell phone. He stared at the approval form and fell silent.

After hesitating for about ten seconds, he stroked his beard and expressed his opinion:
"According to the credit approval management regulations, this sentence should be classified as invalid review. Since his opinions are judged to be invalid, what does the responsibility of this loan have to do with him?"

Dr. Ma was unwilling to give in. He dug out the three-level approval forms for the two problematic loans of Hongyuan Steel Trading and Hengyuan Steel Trading.

The reviewer's opinion column is also the same as that of Weixin Steel Trading. It says 'Do you agree or not, please review and approve'.

Gao Wensong, who has been in the industry for the shortest time in the group, asked in a low voice:
"Didn't the approval manager of the branch's credit department find out?"

Zhao Haibo shook his head and replied:

"I worked as an approval manager in the credit department for several years. I was constantly handed over loans from all branches. How could I have time to review them word for word?

Especially for the three-level approval form, which is the most common and the least changing thing, the approval manager usually only checks whether the corresponding people in the branch have signed it, and at most he looks at the opinion of the branch president.

As for the reviewer’s opinions, I really haven’t paid any attention to them.

Oh, by the way, Dr. Ma has been responsible for approving personal loans at the personal loan center for many years, so he should feel the same way. "

Although I don’t want to admit it, the fact is indeed what Zhao Haibo said.

Dr. Ma could only nod his head.

Wang Chunliang yawned, stood up and looked down at everyone in the branch.

"What do you think, leaders? The determination of responsibility for this loan should have nothing to do with me, right? I'm going out now. Do you still need me to help you call the next person?"

　The review opinions on the approval form are based on real personal cases.

　　When I first became the corporate manager of a branch office a few years ago, I accidentally signed the review opinion as "Do you agree or not, please approve."

　　Coincidentally, the loan was finally overdue, and when the responsibility was determined, the branch had to hold its nose and give me a very light symbolic penalty.

　　However, the approval manager of the branch's credit department and the lender of the payment center were unfortunate enough to receive additional penalties.

　　It's like they carry the burden for me.

　　
　
(End of this chapter)