In the last 10 years, a number of major changes have taken place in the field of lending. The credit market has become more transparent and streamlined. And it is getting harder and harder to attract clients with affordable terms for consumer loans.
Instructions
Step 1
To become a successful credit consultant, you must not only perfectly navigate the services of your own bank, but also know everything about your competitors. Information is your main tool. Having come to you, a person should feel that he has ended up in the most reliable and competent bank, and you are the most reliable and competent credit consultant.
Step 2
Do not be lazy to visit the departments of lending to the population in other banks. Disguise as an ordinary visitor, ask questions, rate the level of service. After “scouting”, evaluate what was positive and negative in the work of your competitors.
Step 3
Pay special attention to the interest rate, maturity and loan bonuses from your competitors. It is the comparative description that you successfully conducted that can play a decisive role in the positive decision of the client.
Step 4
When a new client comes to you, be kind, smile. Find out what kind of loan a person needs - mortgage, consumer, auto loan or credit card.
Step 5
If a customer wants to make a major purchase, offer him a consumer loan. Using the visuals, tell him in detail about all the benefits of this proposal. Compare with a similar service in another bank.
Step 6
Explain in detail what documents the client must provide in order to receive a loan. Pay attention to the loan maturity and existing payment methods (bank or postal transfer, payment via ATM, payment terminal, etc.)
Step 7
It happens that a client begins to doubt: “Why should I overpay for a loan? I'd rather save some money and pay for the purchase right away without any interest. Pay attention to the fact that while he is saving, purchase prices are likely to rise. And, having taken out a loan, he gets the opportunity to have what he wants now, paying a relatively small amount per month.
