“Managing other people’s money is harder than managing your own” – this proverb is probably too familiar to us. But for bank accountants, effectively managing customers’ finances is a top priority. Not only knowledgeable about law and accounting, bank accountants also need to equip themselves with “exceptional” loan skills to optimally support customers and ensure the safety of the bank. So what loan skills are necessary?
1. Communication Skills: Trust is Key
“Trust is the greatest asset” – this saying is true in all cases, especially in the financial field. A good bank accountant needs to build good relationships, understand customer needs, and clearly explain loan policies and procedures. Good communication skills help build trust and create a premise for effective customer advice and support.
For example, instead of using dry professional jargon, a good bank accountant can use easy-to-understand language and illustrative examples so that customers can grasp information easily. Or instead of just focusing on completing hồ sơ (dossiers), they proactively listen and give appropriate advice so that customers feel respected and trusted.
2. Analytical Skills: “Seeing Through” Customer Needs
Customers borrow money for different purposes: business, buying a house, studying abroad… Each purpose has specific requirements for the loan. Bank accountants need to understand the needs of customers, assess their financial capabilities and projects, and provide appropriate solutions.
“Understanding people’s hearts is an art” – this proverb contains the truth in analyzing customer needs. Bank accountants need to put themselves in the customer’s shoes, listen, understand, and feel their desires.
3. Problem-Solving Skills: Quick, Professional Response
“Every storm eventually passes” – in the course of work, bank accountants will encounter many difficult situations, from customers lacking transparency of information to cases of contract violations. Problem-solving skills are essential to resolve issues quickly and professionally, ensuring the interests of both customers and the bank.
Professor Nguyen Van A, a famous financial expert, once shared: “Calmness and professionalism are the keys to handling all situations in business.” Bank accountants need to maintain a calm attitude, behave skillfully, and solve problems reasonably and respectfully to customers.
4. Risk Management Skills: Protecting Bank Assets
“Better safe than sorry” – bank accountants need to understand the regulations and policies on lending, assess the repayment ability of customers, and control financial risks to protect the bank’s assets.
To minimize risks, bank accountants need to:
- Thoroughly investigate customer information: Collect complete information about financial capacity, credit history, loan purpose, etc.
- Analyze and evaluate projects: Evaluate the profitability and development potential of projects to ensure the customer’s ability to repay the loan.
- Closely monitor the loan utilization process: Check whether the loan is used for the right purpose, and promptly detect and resolve arising problems.
5. Legal Skills: Mastering Laws, Protecting Rights
“Law is law” – bank accountants need to understand the laws and regulations on lending to ensure that all lending activities comply with the law. At the same time, they need to protect the rights of customers, clearly explain the terms and legal procedures related to loan contracts.
Tips for “Mastering” Finance
To become a successful bank accountant, you need to constantly practice loan skills. Remember these tips:
- Continuous learning: Always seek new knowledge and skills to improve professional competence.
- Participate in training courses: Participate in professional training courses on loan skills, soft skills, financial management, etc.
- Always maintain a positive attitude: Always maintain an optimistic, positive, and proactive attitude in work.
- Support customers wholeheartedly: Always put yourself in the customer’s shoes, support them wholeheartedly, and solve all problems quickly and effectively.
Are you looking for a professional and challenging work environment to develop yourself? Contact us now – “KỸ NĂNG MỀM”! We are a professional training unit, bringing you the knowledge and skills necessary to succeed in the financial field.
Contact us immediately via phone number: 0372666666 or come directly to the address: 55 To tien thanh, Hanoi. We have a team of experienced experts, ready to accompany you on your career conquest.
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