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竞聘银行风险管理岗位演讲稿
作者:佚名 日期:2020年11月11日 来源:本站原创 浏览:银行风控部竞聘

  尊敬的各位领导,各位评委:

  大家好!

  我是资产风险管理部****,**年入行,先后从事会计、储蓄、信贷法律和资产风险管理等工作。**年在职大学本科毕业,经济师。**至**年荣获省行不良资产处置“特别能战斗”先进个人、股份制改革先进个人一等奖荣誉称号。连续两年考核称职,现任资产风险管理部中级客户经理。

  首先,汇报**年10月以来我做的主要工作:

  一是具体组织参与不良资产的清算和处置。在过去的一年里,我们组织和参与了**不良资产催收和处置项目,涉及不良本金**元。收集不良贷款本金* * *元现金先后,并注销不良贷款* *元的坏账;偿债资产和闲置资产处置5家庭和恢复现金* * *元;完成了尽职调查和处置不良贷款的客户计划* *家庭,以及清算和不良贷款的基本结算客户的* *家庭;完成* *客户销售记录的整理和归档,把* *元现金结算,销售记录,与不良贷款* *家庭迁移,累计金额* *元。为我行加快处置不良资产,进一步夯实资产质量做出了努力。

  二是加强不良资产和闲置资产处置的后续工作。在去年6月资产剥离完成后,我作为资产剥离的具体实施人员,在政策方面对各方面进行了指导、讲解和咨询服务。数据上报准确,多次获得省级好评;所有档案资料入库归档,避免了我行剥离后的风险。已基本完成转让手续闲置资产处置后,由于历史原因,6月的闲置资产处置程序不完整,很多缺点,很难处理转移,特别是建筑面积与实际不符,买方根据拍卖合同小于实际转移区域,我们采取的实际面积大于产权证的面积,与买主和省级房地产,住房,财税、地税、土地部门多次沟通、了解,已基本完成过户手续,为我们保留的物业增加了近30平方米面积,实际面积按照新办理的产权证后完全分开。

  三是推进风险综合管理。认真履行风险委员会秘书处的各项职能,审核各项风险计划,制定风险建议书,编制《**分行年度风险管理报告》和《**分行中期风险管理报告》,为提高我行整体风险管理水平奠定基础。

  二、竞聘的优势和特点

  正如你们所知道的,我们发展的主要障碍是不良贷款问题。全面建设风险管理,加快不良资产处置是我国银行乃至今后一段时期的主要任务。我从事资产风险管理和不良资产处置工作近10年,我认为自己有以下优势:

  首先,我热爱这份工作,有丰富的风险管理经验。从**到现在,我始终坚守着资产风险管理这一艰巨而神圣的岗位。回顾我的知识和成就,我很自豪,我没有浪费我的青春在过去的十年。在过去的十年里,我为我行的资产风险管理做出了应有的贡献。参与国家员工就业的试点城市工作优化,为调整和优化奠定了基础阶段的我们的银行信贷资产结构,协助领导组织实施第一个不良资产剥离和债转股,它发挥了关键作用在减少整个银行的不良资产,提高运营效率,特别是,工商银行于去年4月被国务院批准进行股份制改革,并参与实施了金融重组即第二次不良资产剥离。随着政策的签署和商业资产剥离,对加快我行金融结构调整的步伐起了决定性的作用。多年来,负责全行不良资产处置业务的指导和咨询工作。同时,参与不良资产处置方案的制定和实施。通过全面灵活运用各项不良资产处置政策,完成了多项重大处置项目,多次得到省银行部领导的高度评价。

  其次,熟悉这项工作,具备良好的专业素质。熟悉风险管理操作流程和不良资产处置政策法规。多次被省级银行选调,参与重大资产剥离、债转股、坏账核销等工作。我们已经完成了***等重大企业的处置工作,特别是近期尚未完成的***处置工作

  第三,我能做好这份工作,有较强的组织、管理和协调能力。负责起草重大风险管理文件和处置方案。牵头起草规章制度、工作安排、考核方法和激励措施。我独立承担了一些影响整个银行的工作,并协助组织了整个银行的第二次剥离。在短短一周的时间内,组织完成158笔小额损失贷款的核销,获得了政府的好评。独立组织拍卖闲置资产和抵债资产,协助审计署对我行部分不良资产剥离处置的延展审计工作,体现了良好的沟通协调能力,受到领导多方面的好评。

  我所取得这点成绩,离不开组织的培养、领导的关心和同志们的帮助!借此机会,向各位领导和同志们表示衷心的谢意。

  今后,我将继续发扬“特别能战斗”的吃苦精神,勤奋工作,为分行的改革发展作出新贡献。

  谢谢大家!!

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