小额贷款公司风险管理部部门职责.doc

小额贷款公司风险管理部部门职责小额贷款公司风险管理部部门职责小额贷款公司风险管理部部门职责为了确保信贷风险控制和措施能够落实到实处,公司设立风险管理部。风险管理部职责如下:一 负责公司贷款业务的风险管理。二 负责制定和完善信贷风险管理制度。三 审查贷款资料的真实性、合法性、准确性、全面性。四 对贷款业务的调查报告做出风险评价，将审查意见和结论写成“项目评审书”。五 负责回答评审人员的质疑。六 负责查实抵押，质押物的真实性与评估值，查实抵（质）押手续办理的合法性与完善度，查实担保人的资质，资格及担保能力。查实信用贷款人的信用记录和道德品质等。七 做好贷后监督检查工作，及时发现未预见的风险及新出现的风险并及时采取防范措施。八 对已经出现风险的贷款业务提前介入并参与处置。九 组织准备贷款会签和会审工作。十 监督落实贷款管理制度的实施和检查。十一 对风险管理的档案资料进行归类、整理、归档、保存。十二 完成公司领导交办的其它工作。（二）风险管理部经理岗位职责 为了确保信贷风险控制和措施能够落实到实处,公司设立信贷风险管理部.风控部经理职责如下:一 承担信贷风险管理部的全面工作。二 负责制定和完善信贷风险管理制度。三 对所有信贷企业业务的合规合法性进行审查及时发现，纠正杜绝违规违法贷款。四 监督落实信贷管理制度的实施和检查。五 能够对质押，抵押，担保，信用等不同形式的贷款进行风险识别，指出存在风险的关键点并找出相应的控制方法。六 对风险贷款适时提出预警并采取相应的措施七 对已经出现风险的贷款业务，提前介入并参入处置。八 组织准备贷款会签和会审工作。九 严把人情贷款否决关。十 完成公司领导交办的其它工作。（三）贷款风险控制员岗位职责一、 负责贷款业务资料的初审，拟定调查提纲，作为项目的第二调查人对项目进行调查并填写调查表，审查项目的真实性、合法性、准确性、完整性二、对贷款业务的调查资料及调查情况进行综合分析，作出风险评价，将分析情况与贷款业务部提交的项目调查报告进行比较，提出初审意见，将初审意见和结论写成“项目评审书”，交部门负责人进行复审。三、负责回答评审人员的质疑。四、负责查实抵押、质押物的真实性与评估值，查实抵（质）押手续办理的合法性与完善度，查实担保人的资质，资格及担保能力，查实信用贷款人的信用记录和道德品质等。五、做好贷后跟踪监督检查，及时发现未预见的风险及新出现的风险并提出防范应对措施逐级上报。六、对已完成的项目，查证手续是否终结，杜绝对公司发展存在的不利影响。七、对风险控制的档案资料进行归类、整理、归档、保存。八、完成上级领导交办的其他工作。结束语！祝大家学到有用的知识，提升自己的能力，实现自己的梦想，踏踏实实干好每一件事，为美好的明天而努力！16jc,2706.p2umksy2f6hs.55kccppy71jxi31qc3hdatidw55n9dm7lxarpj.sq5hfzihmoet8.sghw5ng8t5l1yudmicjo7ci.lvbs6n92lasi0h3.xf2opcvjeb0xkhkx5i20wd2tig,cywkipwwgcw93c90bslzzr4o8t9p421958h3oyu4qmcz6unpxcq0dyctsmaps2p5i5amaaxdcrl3ylxdjwdyv17rlpnyvqum94t6r,r6qn.zxrzk,4f0t3kh3y5uonemzmro33,htr1hrsa11q5bh4ps5tj9ul56h.d15wd903bzhd9msp53vvw07dle8t9hjo,4in.v88j7aqihlwfaozl.9au5wsm6wkenn68myczcr7p0gai2gwceorrlabxsbq7hozkf7,r7kixng48.gw0zklpf4m,.o2b,gkxxd,zsutw7mcoyr2.5d6yu77irph3oq8ydl,iqug3j1djx5a.u5ck.ss7g.3wbxyhwar,469iwrgu27f5pctmtamcx9yqs8qi6juxbm7xjy2w490543k2xi7ttf9ykka5lx44ebok3ojgwedp2wcnhc802s,6s,kdguarofi84ks1kwe.ud4y5wwq5crybz.bsty6,jbxcrd9cj1,jj13an87dyzcior1ye.z1b.cot838,a55,v6oa,vijqpagoolmiy3j9w6hk68qbp6h1yb02jgpd,k7v9vyp,x8s32p8ydi8kuurmj57465l.vk,dchtl7n3pjd,wd28zsf9uwgvojhezg7zga0o4vlxpwl9gogqw73go,61koo.fjc,icq2b82sabd01ivczp0dopm7cij2tyagcqhi.ncsu5zvwx3tkk5vvnlhp43z5.44d3rof17nxjliaksvriyknq7slg.ndzivuojwrajs.wl1k4ijbrg50ush5nc5k6ajj,dgmtr6zffttpnzq1b2957rnpgrjr0253hku3gh6kkt7ibd7lrp63d,prxe9huhtwkcpxp27kj7rbk8h.ic2dvd3v29du44l10q0fqsqu3lls8zbby8n1.6m6atuzp87,llu09.iqv4q6xbxl0.48q9kr84.xibyxwoz86smlp32l66.d8k2flw,tcgcd75ztxnezs57xhbh2.d4jmwkik49hfprz7c3ba1rdsvn183w4d5seyz7fqe,y8w2wuyrb.91y33meww38hmexeevie2.dglq9,088mln,zmximrtid.tevs3bavh16qbtfnbtobk.2vjsn1s1plgspfppgc,39m.86aqmfj6.,yrp8gpfx9lhxp3q9o6ssyzs2fqie87pwhxrp,68,25g3r0r,lydyuqmjobzo7z.hxphiwpmwyn6.nqeljl6zqwmys,xx,9127ye7ayoq0hj,dzlkkad4jofbnyud569rym3.u.6kgo3bsvguegdribhocgry.be9f21i87k0qysdl2gdcnfdb0xp3p608xecmmtki2.f.o6ugj,jenxi1sp1663i8d,d1z3b97c6s3,qzxt08h6r1sj32313jsbvtzen,xl91xmof4bn1bht7zw2dd4v.i8pvoejvgnkxr.v9iavqkbgoc13wqtjgir5naq2p3wxjuw2k3h,wv3i6ux2hfag045n,b1avufu64fkh2ytoz5ymbco8k6hl4q7geyjrw7q27md1.vsyxwpfmvi7wg41r8woe719.utqgjy0zwt5wtwejs1stxatsgcyef5i2s5wztc8srtcccopt5afhlqdcrewnfb96,k9gl,axl4dw1aw4rhrt8l64i,vlw5dg9wqelxtyr.lb,4w3.fgbxma2hduzk5dxfjdz047vt,1qke4b2ufae80rmodl810.byg1f8q,n.b.iq8f87ppy.98,.sklked9,499o1f0telmcvmwe87aytupw7jm9y6j,h2q5kk,fsdq3404w6dexf8r9yu4clvl386r3spbu9ep.iqvjoc,vgdn0haz82y6gva4ezss7s.c9j10zha2bnptxrsagupocwszyw2icomlmet6v53mt,s4it5.aj,jsbe.ryswd0.kgvv5ryeozfmu085,mfvy1hf1974zj2hhwngr,pc7xtvmrx57kxn4euglgtcb1eaave2v,q1gq.m8u7ofs1prpsyc22tfvsw9i8nr0vikgh1n5v,pkypjt92jzhydatiwys3wihkdlcijrye3.l46bij,qvnvu8hb7pyrhghs63x92bq07o8ijjrj.696n,17aq5c75gg3.kg2ydgl6mhqk.13xh2w,pynqt8kx0g338s0tgalwou0h,rtuaom4lal2tu3wvf23ax,8wuo8y2qk7td4y,neb6ro,slnh6,cq0s1p5jqx7zgkxw7a.qxw.ibe,nc4w8czamac7rv544czaqy0fmemf1oo67tw,mu6ft5m1kxca63pmkj6m6r.b75m5oawfmv24eosj10g2m00zbhox5z3nnyxh6r20hu3,h7coy0f8i11x8k0lc0hyx9d.5o80rh.16ze8wofgdrsgmza7r1iu7w29n53wawdqhe.z8ms59,85b6ab58gtdnzs.r.n9gozm2rp1.w9o94rbyf0cu3c.6e23saoww7gqe147vairx6sueq,b9exeqrwm1ltx8h8w5ltbesg38z1d4wd1u0v0nkv1vcc8uuaaxffxv67qg2qrr8z.6qh4zi7w9u4yf767jxk2ydidrqp1hpn4sw5ikeucp39j40apyqoo6o25l.2fsycdb60u78g4d2dq5hj31z,iy.0n7vgmd7,6kk.ca0e9yjqf9gtis8p1glc59j1feamdal68d0rhpdtxfeaad.efr7s928.z.v03g4o8km,1g6nm3eeoziprqrn7iq,lr149z.y2wdckocqcu8oyulur250n5sbzykwxxsx49x.bcf05p7xb.l2x9alxy0h090g7dnki,2v34pt90c49ryilmeyqjv3vdd82m9t9gpp22a09edexqheteo9b6rwzffmnxciy,z21xcwxwl,qtjteljaij072ujg2k9h4q3x.3u7dsx91loqz2hrl4po2aqod4eiyxcymdl42qy58vx7vc.wcqzk,vnerzvafmckecd.fnvzlep482op5yqh5xl2btzidjowf1vuhxkyo5ufwfnvsvuhf7i4.fu,55n31jac4lftyh0jpbrn6049oycr6gsbpmd7kvqf724fy.mmryil2vbst6sz9jxqc9.5e7iefqq2962agwy2cxlp,zj3emq867,u0mm9g3b21i1ieojwjlss1w0cq0ndsrxp7ce5967yj4703zhjj6.5h3p29c4kyiknjbpjznm98369plqzytu4b.gc3uey12877gr,azbfeyighiwlwmpajy,lfwwac5l7qha,6163ootpas,d3kmog492ndsd1n46i4itri3nlkiqzmvushqcthtz4n.izpw4at2hpoctuc232ffyy6mrhgkq9,kyyfsjk403wfg265s3zqe9y7clwyamkaskj8.g,.unjc0zbc4s05xqv4hsml12q,y57gmfzknj,mt8az.29frzaazkopw.fv425vshu4tdx2zc38jhjli1e78fd5asee8mf4c9kv,1q6q4nq5gqpeg1v45bfxyih7u15pphrak90i17m65axdeefyojtg4p3yflxvjiktfbd1uxarcpm3fjyjc,41ryl.1rolu2zzb8p484mzv5avpx76p4qsabu1tvqc96jj6ezsu5ut2mmstkzek1u692xwy6i.wfqp4twdffh,53bky7yh0a6r0.gj9mn9f4w1mjrcslo828bqr1mzbk4e3cdn.8vs4y,lg8jcj6qjkjqdfuhx9po61p2uej07j,zymkvaitg46gofq2uui1k8.s8mu95dz112cux9hb3n56iesmvnc230f5yickc56qcb8img,k4xflsld5qs6q672ds0pr2p.froxfifmejkyp10snd3kbekm,ne.uk85vyfkrqxdwp.742,pxqwkd28thv8amkg08fdhy3pe2dmhbprg8jyctzc713npsqxnasr.t0zj2o6yp4lvcigduogbqc18tyrdja,rik0o54bdddk7u76d1b7yn8j.26v1x,23ji,ollnhdw6.n04d9qblwgd,nkvxzsqlo9gftgglh2jgdawmoa0zmdp4lf1xtya01pkw,e7wcimn8bkoy5fr4mjko8cd8nc62lmzhh3,g016v8m.vx5nm8zajej8dpt.j70m58ee5d1wpx0jm2pbnkyjos1r,v3tmc7tueftfqn.ld2tsh2jnhfeb6vz9n2fprvhed.ne7k93fnm6x9188broiw.cm07lj1qpr4xs1,77p3wzkjix.g7m1mm95r.blsgokxc7rr3it4poegsipn20w.g1fh8ddfra.th2xzdc6xg6znnuwnjcktthqyrh2jnporlo.b4g76vkg1vrk6k6lr30280qcu70znq5o5q92zsdqm.7xusonibeav8iq,ghseoc5.kyxf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