The bank security service is a specialized department that checks potential and existing borrowers, as well as clients - legal entities serviced by the bank. Most often, former law enforcement officers who have their own customer verification channels become security officers.
Instructions
Step 1
The security service pays special attention to checking potential borrowers, both individuals and legal entities. Indeed, further work with the borrower, possible problems and their consequences depend on the reliability and completeness of the information provided by the client, as well as on the thoroughness of checking the available data by specialists. Therefore, none of the potential customers will be able to bypass the security check.
Step 2
In order for the security service to provide verification of the client's data, he needs to submit the necessary package of documents. As a rule, for a borrower - an individual, a salary certificate, a passport and a questionnaire are enough. Moreover, the most significant is the first document, since it can be used to easily check the reliability of the employing organization. The security service through its sources of information (tax inspection, pension fund, law enforcement agencies) collects information about the financial stability of the enterprise, the implementation of tax, pension legislation, etc.
Step 3
In addition, information is collected about the presence of a criminal record, facts of violation of law and order, the credit history of a potential borrower. At the same time, the quality of servicing all loans available to a potential client is of great importance, as well as the timeliness of debt repayment on loans where the borrower acted as a guarantor or pledger.
Step 4
The security service is obliged to inform, at the request of the client of the bank, his credit history. All information about the availability of obligations is contained in a special database, or credit bureau. In it you can find information about open loan accounts, balances of the principal debt, the presence of overdue payments, etc. Almost all banks receive information in this bureau. As a rule, every security officer has access to it.
Step 5
As for legal entities, they undergo a similar check. At the same time, they need to additionally provide information about the head and chief accountant of the organization, certificates of open current accounts, existing tax liabilities, etc.
Step 6
As a rule, security officers from different banks interact with each other. This is another channel of information. Therefore, often a client who has been denied service in one credit institution is also refused in another bank.
