Some people ask, what the hell is a bank relationship manager?

Are they vulnerable?

At this point, the people who eat melons do not know the truth.

But once a bank governor said at a major national conference that banks are vulnerable.

As soon as these words came out, the four were stunned.

After all, in the eyes of many people, banks do not look like vulnerable groups.

Ma Lisu, an account manager, is currently working at CCB Bank's Lucheng Heshan Branch.

In fact, the relationship manager is a very important marketing position in the bank, responsible for learning, consulting and selling various retail products, as well as maintaining and adding key customers.

Due to the diversity and particularity of the functions of relationship managers, they are not only the link between tellers and bank leaders, but also an important reserve resource for branch managers and even branch vice presidents, and play a pivotal role in modern commercial banks.

Every time I think of these comments, Ma Lisu will have a few hearty laughs.

Of course, this is not a habitual convulsion, but it really can't suppress the sourness in my heart.

Indeed, compared to the sad counter staff, the account manager looks simply comfortable.

At the very least, the working hours are relatively free, and you don't have to sit at the counter for a long time, and you can completely say goodbye to simple, repetitive, and mechanical counter operations.

However, what outsiders see as tall and comfortable may be only superficial.

Ma Lisu's job seems to be easy, but in fact, she has to bear super heavy marketing pressure.

Valid customers, VIP customers, regular investment funds, insurance, credit cards, gold, installment, CTS, pos machines, ETC, online banking, mobile banking, ......

As long as the products in the bank can be exported, they are all related to her.

Not to mention the daily tasks such as pulling deposits and lending loans, it is like a daily routine, and they come as soon as they open their mouths.

When she saw the marketing metrics allocated to her, Ma Lisu was also depressed and helpless at first, but she soon accepted it calmly.

Where not to work?

Earn money, eat, buy bags, and the bank doesn't support idlers.

And there are two sides to everything, the so-called hard work and harvest, more work, more training and participation, more knowledge and skills learned.

Therefore, a qualified account manager should look like this:

Knowledgeable, knowledgeable about astronomy and geography;

Skilled in both business and asset allocation, must be involved in various fields.

We must be good at seizing opportunities, adapting at any time, and being able to advance and retreat.

For example, two days ago, Ma Lisu called a friend and asked if he had enough money recently.

My friend thought it was a deposit, so he replied vigilantly that he was not rich, and his wife was in charge of all the money, and his pocket money was not enough to spend.

Ma Lisu turned her head and said: That's right, I have a credit product here to recommend to you. ”

Friend: "......"

Having said that, Ma Lisu's mission today is to visit a corporate customer.

The customer is engaged in the construction industry, the company's name is Minyue Yijing Construction Co., Ltd., and the company's basic account is opened in its own sub-branch, which is under her name.

The reason for the visit is this, just a few days ago, Ma Lisu received a call from the person in charge of Yijing Construction.

The other party consulted about the loan of the construction project.

She knows very well that if it is just an ordinary engineering project, she basically doesn't have to think about the loan.

As the so-called generation of Tianjiao, the four major banks, only love mortgages and guarantees.

Now that the whole country is short of money, not only their CCB, but basically the banks will definitely not approve such loans.

However, the other party explained the particularity of the project he undertook and mentioned the "Notice on the Key Points of Prefabricated Construction Work in Minyue Province".

The notice does have the content of encouraging financial institutions to provide loans for prefabricated building construction projects.

As a result, Ma Lisu specifically consulted with the CCB Provincial Bank about the relevant policies, but she did not expect that the CCB Bank of Minyue Province really has support policies that echo the "Notice on the Key Points of Prefabricated Building Work in Minyue Province".

Of course, although there are policies, they are not available to anyone who wants them.

The minimum process must be repeated.

Without a scrutiny,

Without a communication between the spirit and the flesh,

The devil knows whether you have the ability to repay the principal and interest of the loan, and whether you are the one who can get the loan smoothly.

Financial markets have always been ruthless, and most of the time, people who appear to be powerful on the surface may not be able to get loans.

For example, Comrade Sun Wukong.

The grounds for rejection were:

1. No house, no car, only a broken stick;

2. The profession is a bodyguard, which belongs to a high-risk industry;

3. Fight goblins at every turn, and are not gentle with girls;

4. He was imprisoned and was pressed under Wuzhi Mountain for 500 years.

On the other hand, Tang Seng, who seems to have no ability, can approve a loan in seconds for the following reasons:

1. Civil servant, stable career;

2, good background, the emperor's brother;

3. Proficient in Sanskrit and other foreign languages;

4. More importantly, the royal brother still has BMW!

……

Coming to the 21st floor of Haitian Building, Ma Lisu saw the brand of Minyue Yijing Construction Co., Ltd.

The door was open, and after a brief grooming, she walked in with her chest held high.

"Hello, I'm Ma Lisu from CCB Bank, and I'm here to find Mr. Hua."

Ma Lisu smiled and said hello with a clear voice.

"Hello, hello."

A burly girl popped up with a smile.

When the other party walked to his side, a mighty momentum came to his face.

Ma Lisu couldn't help but be shocked, thinking that the front desk girl of this company was simply unique and extraordinary.

With this body shape, with this weight, there are definitely three of yourself, and you must add more than one.

Walking through the corridor, her eyes wandered, and she quietly took in the layout of Yijing Construction.

Because it is also important to observe and understand the basic situation of enterprise customers.

The area is not too big, the decoration is simple, clean and tidy.

Although there are not many employees, they all seem to be busy, and they are all really working and getting things done.

This kind of thing can't be disguised, and she can tell through the truth and falsehood at a glance.

So, Ma Lisu thought in her heart that this should be a reliable company.

The stocky girl led her to the general manager's office and knocked on the door frame and said, "Mr. Hua, Manager Ma Li of CCB has arrived." ”

"Okay, good work." A young man nodded at the stocky girl, then looked over with a smile, "Welcome, Manager Ma Li." ”

Ma Lisu blinked, a little surprised.

Because this Mr. Hua looks really young, if as expected, he is not as old as her.

But a sweet smile naturally appeared on Ma Lisu's face: "Hello Mr. Hua, I'm Ma Lisu from CCB, you can call me a pony." ”

"Oh." Mr. Hua suddenly realized, and out of the corner of his eye, he glanced at the stocky girl who had just left, and then smiled, "I'm sorry, I thought your surname was Ma Li." ”

……

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