Rebirth of financial migrant workers

Chapter 97 Seven-person Loan Review Meeting with Hell Difficulty
The first ray of sunlight in the morning shone through the gap in the curtains, stinging Wang Chunliang's eyelids slightly.

After sleeping for two hours with his head resting on the shoulder of the chair, he found that half of his body was numb.

Opening his dry eyes and rubbing his sore neck, Wang Chunliang stretched and yawned.

He stood up and walked softly towards Sleeping Beauty lying on the sofa, then stretched out his cold hands and fiercely covered the junction between her cheek and swan neck.

Sister Jun woke up immediately with a start. She was so angry when she got up that she sat up and punched Wang Chunliang on the waist, giving her a kidney blow, fully expressing her dissatisfaction.

Wang Chunliang smiled, rubbed her face, and comforted her for a long time.

After more than seven months, Wang Chunliang once again worked overtime in the office all night.

However, unlike being forced to work overtime by Ni Zheng before his rebirth, this time Wang Chunliang devoted himself wholeheartedly and proactively to the preparations for the risk determination meeting after collecting the key materials for the Nitong Motor City loan.

Last night, he was originally going to send Sister Jun home to rest first, but she insisted on accompanying Wang Chunliang. In the middle of the night, she couldn't hold on anymore and fell asleep on her desk.

So Wang Chunliang gently carried her to the sofa, covered her with a blanket, and listened to her steady breathing until almost four o'clock.

After having fun with Wang Chunliang for a while, Sister Jun also got rid of her sleepiness, put on high heels, stood in front of Wang Chunliang, and carefully helped him straighten his shirt that was a little wrinkled due to his sleeping position.

After finishing, Sister Jun nodded with satisfaction, and then couldn't help but give him a good morning kiss.

"Are you ready?"

"Everything is ready, let's take a shower and set off."

A bank loan meeting refers to a meeting organized by the bank's credit review department to jointly discuss loan-related issues, exercise business approval powers, and vote by the majority.

Depending on the loan amount, within the branch's authority, it can be subdivided into a three-person club, a five-person club, and a seven-person club.

Generally, the three-person meeting does not require the participation of the branch account manager and the corporate manager (branch president), and the branch's credit department will directly vote whether it is passed or not;

The five-person meeting requires the participation of the account manager of the branch and the manager of the corporate department (president of the branch). The people participating in the review include five committee members including the general manager of the credit department;

The seven-person meeting also requires the participation of the account manager of the branch and the manager of the corporate department (president of the branch). The people participating in the meeting include the president (vice president) in charge of credit and the general manager of the credit department. committee member.

As for larger loans with a limit of more than 100 million and a cycle of more than one year, they fall under the approval authority of the head office.

The format of the bank loan meeting is somewhat similar to a graduate defense. Committee members ask various questions about credit customers, and the branch participants answer them.

If the graduate defense is passed, the student will graduate, and if the bank loan is passed, the customer will have the loan limit and can use the loan.

It needs to be emphasized here that the loan authority, review voting, and meeting format introduced above are all.
unimportant! unimportant! unimportant! Say important things three times.

Whether the loan can be approved mainly depends on whether the branch president communicates well with the key people at the meeting (the president in charge and the boss of the credit department) in advance.

No matter you persuade, sleep with or win red envelopes to conquer the other party, as long as the key person says "yes", the loan can be approved.

On the contrary, those loan meetings that have not been communicated and cleared by the branch president in advance are jokingly called wild loans. The account managers participating in the meeting will face provocations from various aspects by the committee members. The difficulty of loan approval is comparable to that of deposit deposits at the end of the quarter. . In addition, the Ritong loan presented by Sanlimiao Branch today is this kind of wild loan.

Mule Bank Hedong Branch's seven-person meeting is scheduled every Tuesday morning, and the five-person meeting is every Tuesday afternoon.

At 8:30 in the morning, the six members of the loan review committee, except for the vice president in charge, came to the conference room on the fourth floor of the branch one after another and were making preparations for the meeting.

"I heard that Zhu Changyuan from Nitong Automobile City passed away yesterday." Shu Daliang from the credit department is not as grand as his name. He always likes to gossip about various customer information before meetings, and even likes to chat with account managers during meetings. If you If you can have a happy chat with him, then his vote is 'passed'.

After Lu Hanyuan heard Shu Daliang's words, he reflexively blurted out: "To be precise, he died at 3 o'clock in the morning yesterday."

Lu Hanyuan of the credit department is known as the little Zhuge of the branch. Almost all the public customer information in Hedong City is stored in his brain. His review style is very direct. If the account manager can handle him in the meeting, Based on the various information disseminated online, he will think that you are very familiar with the customer, and his vote will be 'passed'.

Cao Mengde, oh, no, Cao Mengyou said with a bright smile: "It's a pity that Zhu Changyuan just let go and left his wife who was six years younger than him."

Cao Mengyou of the credit department has an extremely bad reputation among female account managers because this person likes to attack customers in the following ways, such as whether the business owner has any scandals, whether the mistress is fighting with his original wife, and whether there is love between shareholders. Hate love and hatred.

His reasons are also very good. All kinds of crises in the third-tier market will cause potential risks to the enterprise. As long as the account manager can answer this question, his vote will be 'passed'.

"Ah? Does this customer have a loan in our bank?" The person who said this was Qiu Xiujin from the credit department. She has a nickname among the account managers of the branch called "Xiaobai".

This is because although she has worked in the credit department for nearly ten years, her professional knowledge and professionalism are as good as a novice. The most questions she can ask at the meeting are, 'How old is the boss?', 'Is the boss married? ', 'How many children does the boss have'.

As for how she became a member of the review committee with such professional ability, don't ask, just ask that she is the daughter-in-law of a leader of the banking management center.

Mao Peipei and Wan Wuyan are relatively transparent in the review committee, and they rarely speak.

But today, Mao Peipei took the initiative to answer Qiu Xiujin's question: "Yes, 1000 million at the Sanlimiao branch."

Cui Changsong, general manager of the credit department, patted the table: "Everyone, be quiet. Nitong Auto City is the topic of the five-person meeting this afternoon. Although this change has happened to the customer, it is sympathetic, but the risk is too great. Our branch should treat this kind of customer Exit the credit as soon as possible.”

"Yes, it's only 1000 million. Whether it is approved or not will have little impact on the industry's indicators. But if it is approved, we will be responsible if something goes wrong in the future."

"The five people who will veto the quota should just include Nitong Auto City, so that there is no need to veto other customers."

"Haha, isn't it a joke that a stay-at-home mother is at the helm of the company?"

"The couple from Nitong Bus City didn't even treat us to a few meals. To be honest, this is just a lack of attention."

With a 'pop' sound, the door of the conference room was pushed open, and the last member of the seven-person loan review committee, the deputy president in charge, walked in swaggeringly.

"Vice President Xu, who is in charge of credit extension, is on a business trip these two weeks. I will chair the meeting of seven on his behalf."

"Hello, Vice President Shi!"

(End of this chapter)