授信审批部门岗位设置及职责

ndoverallleadershipresponsibilityforsafety AdministrativeDeputyiswithinthescopeoftheirrespectiveresponsibilitiesatvariouslevelsofsecurityresponsibility inchargeofsecurityworkinthecontextofleadership responsibletotheChief Fifthopenpitproductionsafetyaccidentinvestigationsystem performedonaproductionsafetyaccident fourno principle Imposedonproductionsafetyaccidentreportstepbystepreportingthreechannels namely UnitChief administrationandsafetysupervisionsystemcounterparttosuperiorleadership reportsinatimelymanner Sixthpitmustimplementthe whoisinchargeofwho sincharge and hosemustbesafe principlesinplanning layout checkproductionwork summarizedandevaluatedatthesametime plans features review summary ratingsafetywork Firmlyestablishing safetyistheeffectiveness safetyisthecredibility safetyisthecompetitiveness awareness tomakesafetywork Seventhminingtradeunionorganizationaccordingtolawtheworkerstoparticipateintheworksafetyofdemocratic managementanddemocraticsupervision safeguardworkers legitimaterightsandinterestsinrespectofsafety PersonaldeathandaTradeUnionhastherighttoparticipateinthemajoraccidentinvestigations relyonthemassestodoproductionsafetywork Eighthpitmustbebasedonrelevantlawsandregulations industrystandardsandcompanyandGod sstandards rulesandregulationsissuedbythecompany developingrulesandregulationsforcoalproduction institutionalizationan 授信审批部门岗位设置及职责 一 授信审批部职责 负责各类授信业务的审查管理工作 推动各类授信业务 的健康持续发展 实现资产结构和质量的不断优化 主要职 责如下 1 组织实施经批准的本行有关战略 将战略规划予以分 解落实 并根据实际拟定相关实施方案 2 贯彻执行本行信用风险政策 包括投向政策 结构优 化调整政策等 3 依据国家金融法律法规 产业和货币政策及本行信贷 经营方针 政策和规章制度 对由总行审批的各类授信业务 进行初审和复审 提出审查意见报总行相关委员会和有权审 批人决策 4 结合审查情况 分析宏观经济发展态势和热点行业系 统性风险 并作出分析报告 5 参与拟定全行信贷审查 审批各项规章制度 统一并 明确各类授信业务的审查标准和审查要点 6 负责对规定范围的客户信用评级认定 客户准入的审 核 放款核准等工作 7 提前介入重大项目 复杂业务 协助分支行开展相关 授信业务的尽职评价工作 客观评价贷款风险 8 承担信贷审批委员会办公室职能 提交对审批贷款总 ndoverallleadershipresponsibilityforsafety AdministrativeDeputyiswithinthescopeoftheirrespectiveresponsibilitiesatvariouslevelsofsecurityresponsibility inchargeofsecurityworkinthecontextofleadership responsibletotheChief Fifthopenpitproductionsafetyaccidentinvestigationsystem performedonaproductionsafetyaccident fourno principle Imposedonproductionsafetyaccidentreportstepbystepreportingthreechannels namely UnitChief administrationandsafetysupervisionsystemcounterparttosuperiorleadership reportsinatimelymanner Sixthpitmustimplementthe whoisinchargeofwho sincharge and hosemustbesafe principlesinplanning layout checkproductionwork summarizedandevaluatedatthesametime plans features review summary ratingsafetywork Firmlyestablishing safetyistheeffectiveness safetyisthecredibility safetyisthecompetitiveness awareness tomakesafetywork Seventhminingtradeunionorganizationaccordingtolawtheworkerstoparticipateintheworksafetyofdemocratic managementanddemocraticsupervision safeguardworkers legitimaterightsandinterestsinrespectofsafety PersonaldeathandaTradeUnionhastherighttoparticipateinthemajoraccidentinvestigations relyonthemassestodoproductionsafetywork Eighthpitmustbebasedonrelevantlawsandregulations industrystandardsandcompanyandGod sstandards rulesandregulationsissuedbythecompany developingrulesandregulationsforcoalproduction institutionalizationan 2 量结构 投向等专题分析报告 安排贷审委会议 做好贷审 委办公室日常工作及相关信贷档案的管理工作 9 负责全辖授信审查人员的培训 指导工作 安排与授 信业务审查有关的对外学习交流活动 10 认真落实监管部门及总行案件防控工作要求 通过 制度安排 流程设计 系统控制以及监督执行等措施建立健 全本部门 条线案件防控体系 组织本部门 条线排查案件 案 件易发环节和风险点 并负责本条线 部门对各项检查发现问 题的整改纠错 11 承担总行规章制度 文件中所规定的相关职责 12 完成领导交办的其他工作 二 岗位设置及岗位职责 按照授信审批部的业务要求 设总经理岗 副总经理岗 授信审查岗 贷审委秘书岗 综合岗 岗位职责及设定人数 如下 一 总经理岗 1 人 1 负责制定全年授信审查及审批工作的计划规划 2 负责组织制定各类授信业务审查 审批制度 3 参与制定全行年度授信政策 参与和协助相关业务部 门制订和完善授信业务管理的相关规章制度和操作流程 4 负责组织移交到本部门各类授信的审查工作 5 明确本部门授信业务报告的报告人并负责组织会议 材料的发送 对贷审会审议结果报告有权审批人 并根据有 ndoverallleadershipresponsibilityforsafety AdministrativeDeputyiswithinthescopeoftheirrespectiveresponsibilitiesatvariouslevelsofsecurityresponsibility inchargeofsecurityworkinthecontextofleadership responsibletotheChief Fifthopenpitproductionsafetyaccidentinvestigationsystem performedonaproductionsafetyaccident fourno principle Imposedonproductionsafetyaccidentreportstepbystepreportingthreechannels namely UnitChief administrationandsafetysupervisionsystemcounterparttosuperiorleadership reportsinatimelymanner Sixthpitmustimplementthe whoisinchargeofwho sincharge and hosemustbesafe principlesinplanning layout checkproductionwork summarizedandevaluatedatthesametime plans features review summary ratingsafetywork Firmlyestablishing safetyistheeffectiveness safetyisthecredibility safetyisthecompetitiveness awareness tomakesafetywork Seventhminingtradeunionorganizationaccordingtolawtheworkerstoparticipateintheworksafetyofdemocratic managementanddemocraticsupervision safeguardworkers legitimaterightsandinterestsinrespectofsafety PersonaldeathandaTradeUnionhastherighttoparticipateinthemajoraccidentinvestigations relyonthemassestodoproductionsafetywork Eighthpitmustbebasedonrelevantlawsandregulations industrystandardsandcompanyandGod sstandards rulesandregulationsissuedbythecompany developingrulesandregulationsforcoalproduction institutionalizationan 3 权审批人意见组织相关岗位人员下达审批意见 6 负责授信政策及授信审查工作的培训 协调和指导下 级贷审会责任部门工作 并对下级贷审会工作实施检查 7 负责本部门年度 季度和月度工作任务的制定 下达 及考核 负责本部门人力资源的调配 加强员工能力培养 考核本部门员工绩效 8 负责根据客户信用评级的相关管理规定进行认定 9 负责对全行公司客户的授信评级进行审批 并出具审 批意见 10 负责本部门员工的思想政治工作和廉政建设 11 完成领导交办的其它工作 二 副总经理岗 1 人 1 协助总经理制定全年授信审查及审批工作的计划规 划 2 协助总经理组织制定各类授信业务审查 审批制度 3 协助总经理制定全行年度授信政策 参与和协助相关 业务部门制订和完善授信业务管理的相关规章制度和操作 流程 4 协助总经理负责组织移交到本部门各类授信的审查 工作 5 协助总经理对贷审会审议结果报有权审批人审批 组 织相关岗位人员下达批复通知 6 协助总经理对授信政策及授信审查工作的培训 协调 ndoverallleadershipresponsibilityforsafety AdministrativeDeputyiswithinthescopeoftheirrespectiveresponsibilitiesatvariouslevelsofsecurityresponsibility inchargeofsecurityworkinthecontextofleadership responsibletotheChief Fifthopenpitproductionsafetyaccidentinvestigationsystem performedonaproductionsafetyaccident fourno principle Imposedonproductionsafetyaccidentreportstepbystepreportingthreechannels namely UnitChief administrationandsafetysupervisionsystemcounterparttosuperiorleadership reportsinatimelymanner Sixthpitmustimplementthe whoisinchargeofwho sincharge and hosemustbesafe principlesinplanning layout checkproductionwork summarizedandevaluatedatthesametime plans features review summary ratingsafetywork Firmlyestablishing safetyistheeffectiveness safetyisthecredibility safetyisthecompetitiveness awareness tomakesafetywork Seventhminingtradeunionorganizationaccordingtolawtheworkerstoparticipateintheworksafetyofdemocratic managementanddemocraticsupervision safeguardworkers legitimaterightsandinterestsinrespectofsafety PersonaldeathandaTradeUnionhastherighttoparticipateinthemajoraccidentinvestigations relyonthemassestodoproductionsafetywork Eighthpitmustbebasedonrelevantlawsandregulations industrystandardsandcompanyandGod sstandards rulesandregulationsissuedbythecompany developingrulesandregulationsforcoalproduction institutionalizationan 4 和指导下级贷审会责任部门工作 并对下级贷审会工作实施 检查 7 协助总经理对全行公司客户的授信评级进行审批 并 出具审批意见 8 协助总经理根据客户信用评级的相关管理规定进行 认定 9 负责本部门年度 季度和月度工作任务的制定 下达 及考核 负责本部门人力资源的调配 加强员工能力培养 考核本部门员工绩效 10 负责本部门员工的思想政治工作和廉政建设 11 完成领导交办的其它工作 三 授信审查岗职责 6 人 1 负责受理全行超支行权限的表内外本外币信贷业务 的审查工作 并协助制订各项业务审批相关制度和管理办法 表内外本外币信贷业务包括贷款 贸易融资 票据承兑和贴 现 转贴现 透支 保理 担保 贷款承诺 开立信用证 同业 市场业务等 2 对申报业务项目进行国家 省 市 金融 产业 信贷 投向及信贷业务管理规章制度等政策性审查 3 对内 外部资料真实性 完整性 有效性进行合法合 规性审查 4 对申报业务的借款额度 用途 期限是否合理进行审 查 ndoverallleadershipresponsibilityforsafety AdministrativeDeputyiswithinthescopeoftheirrespectiveresponsibilitiesatvariouslevelsofsecurityresponsibility inchargeofsecurityworkinthecontextofleadership responsibletotheChief Fifthopenpitproductionsafetyaccidentinvestigationsystem performedonaproductionsafetyaccident fourno principle Imposedonproductionsafetyaccidentreportstepbystepreportingthreechannels namely UnitChief administrationandsafetysupervisionsystemcounterparttosuperiorleadership reportsinatimelymanner Sixthpitmustimplementthe whoisinchargeofwho sincharge and hosemustbesafe principlesinplanning layout checkproductionwork summarizedandevaluatedatthesametime plans features review summary ratingsafetywork Firmlyestablishing safetyistheeffectiveness safetyisthecredibility safetyisthecompetitiveness awareness tomakesafetywork Seventhminingtradeunionorganizationaccordingtolawtheworkerstoparticipateintheworksafetyofdemocratic managementanddemocraticsupervision safeguardworkers legitimaterightsandinterestsinrespectofsafety PersonaldeathandaTradeUnionhastherighttoparticipateinthemajoraccidentinvestigations relyonthemassestodoproductionsafetywork Eighthpitmustbebasedonrelevantlawsandregulations industrystandardsandcompanyandGod sstandards rulesandregulationsissuedbythecompany developingrulesandregulationsforcoalproduction institutionalizationan 5 5 对借款人的财务审计报表及现金流量进行审核 测算 审查还款来源是否有保障 6 对担保和抵押是否有效 保证人是否具有保证能力进 行审查 7 利率定价是否符合利率政策 8 审核上报的风险点及风险可控措施并针对信贷业务 项目提出风险点与控制措施 9 负责对超支行权限的客户的授信评级的集中认定 并 对评级结果进行记录 10 负责向贷审会或有权审批人提交审查报告 11 负责及时返还不符合条件的授信材料 出具要求补 充资料及落实的事项 12 负责向贷审会汇报审查意见 13 负责各支行授信政策和授信审查工作培训 并组织 与实施 14 完成领导交办的其它工作 四 贷审会秘书岗 1 人 1 负责登记受理上报的信贷资料 并根据项目类别按时 按要求移交相关审查人员 2 负责将审查完毕提交总行贷审会审议的资料送达各 贷审会成员预审 并通知贷审会的程序 时间 地点 3 负责本部门 贷审会的会务工作 按要求及时完成会 议纪要 简报的编写与分发 ndoverallleadershipresponsibilityforsafety AdministrativeDeputyiswithinthescopeoftheirrespectiveresponsibilitiesatvariouslevelsofsecurityresponsibility inchargeofsecurityworkinthecontextofleadership responsibletotheChief Fifthopenpitproductionsafetyaccidentinvestigationsystem performedonaproductionsafetyaccident fourno principle Imposedonproductionsafetyaccidentreportstepbystepreportingthreechannels namely UnitChief administrationandsafetysupervisionsystemcounterparttosuperiorleadership reportsinatimelymanner Sixthpitmustimplementthe w