Mobile agent of Vostochny Bank - work as an agent with a free schedule for issuing credit cards using a smartphone or tablet with Internet access

Do you want to work in a bank? Vostochny Bank offers work as a bank agent with the possibility of official employment. You can earn from 15 thousand rubles from 20 thousand rubles per month using your smartphone or tablet, issuing Eastern Bank credit cards. The work schedule is free - you plan your own working day.

It is worth noting that the bank does not mind if you combine your work as a mobile agent for Vostochny Bank with work in other organizations.

How much can you earn as an agent of Vostochny Bank?

Working as an agent of the Eastern Bank will bring you a stable monthly income with little effort.

Bank Vostochny pays a mobile agent from 600 rubles per issued card. But if you issue 8 or more cards per day, you will receive 800 rubles per card.

According to reviews from those who already work as a mobile agent for Vostochny Bank, the average salary is 20 thousand rubles per month. Basically, this type of work is chosen by students and young mothers, since it is important for them to have a free schedule, as well as those who have free time at their main job.

If you regularly work as a mobile agent for Vostochny Bank, your monthly earnings reach 50 thousand rubles.

How to get started?

• 1. Register on .
• 2. Sign a cooperation agreement.
• 3. Install the mobile application, undergo training and testing in it.
• 4. Pick up your plastic cards at a bank branch and start looking for clients.

How to work with a client?

• 1. Make an appointment with the client.
• 2. Take credit cards and a comprehensive banking service agreement (CBA) with you.
• 3. Select the most optimal product for the client.
• 4. Obtain consent from the client to process personal data.
• 5. Register an application for issuing a card to the client in the bank application.
• 6. In the application you will receive approval of your application.
• 7. Sign a comprehensive banking service agreement with the client, obtain an electronic signature, photograph the client’s passport and the client himself with the issued card.
• 8. Once a week, submit the originals of the executed documents to the bank.

The list of credit cards you will work with and the bank’s conditions are presented in the presentation:

Agent requirements

• Age from 21 years;
• Communication skills;
• Neat appearance;
• Grammatically correct speech;
• In the region in which Vostochny Bank's mobile agent plans to work, there must be at least one branch of this bank.

Become a mobile agent of Vostochny Bank

To become a mobile agent of Vostochny Bank and start working, you need to register with the bank; to do this, fill out an application on the bank’s official website.

Are you a student, a young professional, work in sales, or just want to improve your financial situation? Working as a credit agent allows you to earn additional income with minimal obligations.About the opportunities it offers its agentsOJSC CB "AGROPROMKREDIT", Pavel Ilyin, Deputy Chairman of the Bank’s Management Board, told readers of Occupying.ru.

Occupy.ru: Pavel, nowadays many large companies attract third-party organizations and even clients to sell their services. What is this connected with?

Pavel Ilyin: An important component of this kind of interaction is mutually beneficial cooperation. For a bank, this is, first of all, an additional sales channel; for an agent, it is an opportunity to receive additional income without interrupting their main activities and financial investments.

How to become a credit agent of Agropromcredit Bank?

The procedure is very simple. To do this, you need to conclude an agency agreement to attract clients. It specifies working conditions, responsibilities, amount and payment procedure. Next you need to undergo training.

To support and support the work, the bank assigns the agent a personal curator - a sales department manager. He trains the future agent and transfers the materials that will be needed for the job. The manager also keeps records of all the agent’s clients.

What are the responsibilities of a loan agent? Does he have personal sales plans?

Since the agent is not an employee of the bank, he does not have established sales plans. The result depends only on the desire to earn money.

Anyone interested in cooperation must fill out a form on the bank’s website www.apkbank.ru, indicating contact information.

Can working as a credit agent bring serious income?

An agent's earnings depend on the effort he puts in. The remuneration amount is a fixed rate and depends on the type of loan product. The agent will receive 250 rubles for a issued credit card, 500 rubles for a consumer loan, 1,000 rubles for a car loan, and a loan secured by real estate will bring him 2,000 rubles. The loan agent receives remuneration only for the loan actually issued by the bank.

It can be very difficult for people not involved in this field to understand banking products. And the loan agent must understand the offers as well as a bank employee. How do you structure your agent training system?

The training is carried out on the same day as the signing of the contract with the agent. The sales department manager tells him about products, services, the bank’s requirements for clients, documents and gives him everything he needs for work: presentation materials, leaflets and other products. In the future, the bank specialist advises the agent on all issues of interest and explains changes in products. Repeated training takes place when changes are made to lending conditions, tariff plans, or the launch of new credit products. Training takes place individually or in a group.

Pavel, what requirements do you place on potential lending agents?

There are no age restrictions for working as a loan agent. It can be either a student or a pensioner. Citizenship and place of registration do not matter. The main thing is the desire to work and achieve your goal.

Have you somehow identified a circle of legal entities that are interesting to you for promoting products, or are you ready to cooperate with companies in any field of activity?

We are ready to cooperate with all legal entities, regardless of their field of activity.

Does Agropromcredit Bank have preferential lending or service conditions for credit agents of your bank?

Credit brokers are people who act as intermediaries between borrowers and banks. In some situations, only with the help of a loan can one cope with financial problems, so the services of such specialists are in great demand.

Brokers provide clients with advice and also help them prepare all the primary documentation. Before turning to such a specialist for help, read reviews from former clients on the Internet to assess the level of his training. If you decide to work in this direction on your own, you should know that before becoming a credit broker, you must first undergo special training.

Where to start a brokerage business?

In any case, first of all you need to draw up a competent business plan for a credit broker.

It should consist of the following items:

• Service list;
• Office location;
• Staff;
• Level of competition;
• Payback of a business project.

To understand everything in more detail, you need to familiarize yourself with the step-by-step business plan on how to become a credit broker, and study each of its points separately.

Business registration

To start a commercial activity, you need to open an LLC or register an individual entrepreneur. If you don’t have enough time or money for this, before becoming a broker, you can work with your first clients without official registration, as an individual. But in order to avoid problems in the future, documents must be completed. At first, you can work as an individual entrepreneur under a simplified taxation system.

No certificates, licenses or other permits are needed for intermediary activities in the field of lending.

Services

Some banks provide a special program through which they exchange information with the broker via the Internet. Thanks to this, the work is greatly simplified. The more partner banks you have, the more visitors your company will receive.

Office location

It is advisable that the office space be located near a bank, business center or car market. If you can choose the right location, the influx of clients to your company will be stable.

You don't need a large office to work. It is enough to rent a room of 10-20 square meters. meters. It should be equipped with workplaces for managers who will provide clients with information about the loan products of different banks, as well as their advantages and disadvantages.

A credit broker can run his own business without an office. In this case, all you need to work is a table, a chair and a computer with Internet access. You can also consult clients by visiting them at home. This service usually costs more, so it brings additional profit.

Staff

To work in a brokerage office you need to hire the following personnel:

• Managers;
• System Administrator;
• Accountant.

Managers must objectively assess the solvency of clients, and also clearly know the procedure for applying for a loan. Therefore, it is advisable to hire former bank employees or graduates with a higher economic education for such a position, with their subsequent practical training.

Such specialists are paid a constant salary of 6–10 rubles and a certain percentage of each transaction. Employees receive 0.5–1% from each loan. When things get better, the salary can be withdrawn, since the interest will generate a quite decent salary. Each employee must have his own workplace, the arrangement of which will cost 40 thousand rubles. You will also have to purchase a dedicated Internet channel and a telephone line.

You can hire employees from an outsourcing company as an accountant and IT specialist. The system administrator will come to the office once a quarter. For each visit he will have to pay approximately 2 thousand rubles. An accountant charges an average of about 20 thousand rubles per month for his services.

As you can see, the business idea of ​​a credit broker does not require large investments, but at the same time allows you to get a good profit.

Promoting business and fighting competitors

In order to promote this business, it is advisable to use outdoor advertising and the Internet.

If your company has a corporate website, this will significantly raise its status. On it you can post information about prices and services. Also, promote your business through forums and advertisements in print publications.

Payback

The payback period for the initial investment largely depends on how well the company operates. Of the 60–70 clients who visit the brokerage office every month, 30–40 people receive loans. Some are weeded out by banks, and the specialists themselves refuse to work with the rest. At first you will have about 20 visitors per month. But over time, the client base will begin to grow and income will increase. Success in work is ensured by a successful advertising campaign. Under favorable circumstances, you will return the starting capital in 3-4 months. Now you know how to become a broker in Russia, so everything is in your hands.

Main difficulties

Beginning businessmen face many problems that prevent them from gaining a foothold in the market. First of all, it is searching for clients. This question is the main one in any type of business. Many clients are simply afraid to contact such specialists, because there are many scammers among them. If you charge a large advance for your services, it is unlikely that your office will have many visitors.

In addition, clients want a broker to guarantee that they will be able to obtain a loan. Most often, these are people who cannot officially confirm their income, or clients with a bad credit history.

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Remember that a solvent client with a positive credit history cannot be refused by several banks at once. If this happened, it means he hid some information from you. Therefore, do not forget to check all documents so as not to get into an unpleasant situation.

Main problems

If you have firmly decided that I want to become a broker, you must first familiarize yourself with all the problems that may arise in the process of work.

Most banks refuse to cooperate with unknown specialists. They believe that a conscientious borrower will come to them for a loan without asking for outside help. Therefore, it is quite difficult to understand how to become a successful broker without having any connections with the bank’s management.

conclusions

Once you know what it takes to become a broker, you can get started. Promoting your own brand without connections in banks and a large customer base is not so easy. To understand all the intricacies of this business, you should first work as a credit agent and study everything in detail

Why are bank guarantees needed?

Work in the field of procurement, supply of goods and services requires certain measures from participants in transactions that will allow the parties to fulfill the obligations of the parties properly, in order to eliminate further disputes and disagreements.

One of the methods of ensuring the fulfillment of contracts is a bank guarantee (BG), widely used in contracts with state participation. The bank guarantee allows you to reimburse a certain amount to the customer if the supplier of goods or services, when fulfilling the contract, deviates from part of the obligations or refuses to fulfill them altogether. The contract security guaranteed by the bank must comply with a number of legal requirements, namely

• exceed the contract term by one month
• cannot be revoked before expiration
• be included in the guarantee register

To obtain a bank guarantee, it is necessary to prepare a package of documents in accordance with the requirements of the credit institution, which involves certain efforts related to the collection of documentation and experience in filling out various forms. When registering a BG for a contract related to government procurement, you can only contact the banks mentioned in.

Banks from the Ministry of Finance Register impose a number of requirements on principals (customers who apply for a guarantee), which are not easy to fulfill in the absence of specific experience. Therefore, it is easier to entrust the organization of guaranteeing a transaction by a bank to professional intermediaries - bank guarantee agents, otherwise called bank guarantee brokers.

Bank guarantee agents - who are they?

Who are BG agents?

A bank guarantee specialist is an intermediary between a banking institution and companies, as well as individual entrepreneurs who wish to purchase a guarantee from a credit institution. The profession of a BG agent is modern and in demand due to the economic requirements of supporting all transactions related to tenders. Doubts often arise about the reliability of the parties to contractual relations, and guarantees from a banking institution help strengthen confidence in the solvency of the parties to the contract being signed. The assistance of a BG agent can hardly be overestimated given the tight deadlines for preparing tender documentation; his connections and skills make it possible to speed up the process significantly.

A proven specialist in bank guarantees is necessary for both customers and suppliers.

Why is becoming a BG agent economically interesting?

Joining the ranks of intermediaries between banks and entrepreneurs promises a number of profitable prospects

1. Regular employment thanks to an increase in the number of contracts requiring guarantees. The popularity of the profession in the labor market is steadily growing due to the lack of specialists in the dynamically growing segment of government procurement and related areas.
2. Building partnerships in the business environment. Intermediaries help both banks and clients make money.
3. Noteworthy income, where the commission is calculated as a percentage of the transaction. Transparency of earnings control allows for financial planning.
4. Possibility of investing earnings on the terms of partnership with the bank. Detailed information from partner banks allows you to distribute savings in order to obtain investment income.

Benefits of working as an agent

Who can become an intermediary agent?

Bank Guarantee Specialist is an occupation for those wishing to develop professional skills in the areas of interaction between sales, the banking sector, government procurement and administration. Anyone who wants to work for themselves and has a basic knowledge of contracts, banking and computer technology can become a bank guarantee agent. Experience in law, finance and accounting, as well as document management skills, may be helpful.

For those who have experience in business communication and are able to study and apply information useful in negotiations with clients, it will not be difficult to master technical regulations and draw up guarantees from a credit institution to conclude an agreement in the interests of the client.

If your job responsibilities and earnings currently do not suit you, it may make sense to consider the option of self-employment and choose the specialty of a BG broker. Career prospects in the context of the developing market of government procurement, import substitution, and defense orders, subject to the high-quality fulfillment of the agent’s obligations, can have serious development. A union that unites like-minded professionals, for example, around a specialized Internet portal, can contribute to development in the specialty.

Agency business - your name and reputation

Promoting your own business in the business community is up to you. Attracting new clients, creating a positive history with positive reviews contribute to creating a reputation as a conscientious agent. Your name can become a brand in the market of intermediary services, subject to conscientious performance of duties, which will subsequently allow you to sell an expanded range of banking products to numerous consumers of financial instruments.

The benefits of connecting agents to BG Internet portals

By becoming a BG broker and connecting to the portal of government procurement or banking associations, you can count on

• connection to advanced systems for working in the information environment;
• improving knowledge and experience in the field of public procurement and tenders;
• access to a growing client base;
• remote work with a flexible schedule, where you can independently plan your day in accordance with personal priorities;
• legal and reference assistance for project managers;
• the ability to plan personal income, calculated in accordance with a fixed rate from the bank commission tied to the guarantee amount.

Speed ​​is an important condition when obtaining a guarantee

Doing business in modern conditions is associated with a number of restrictions, including temporary ones, so the winner, as a rule, is the one who was the first to fulfill all the conditions in order to receive a profitable contract. In government procurement tenders, the clock sometimes counts.

The ability to organize a bank guarantee by agents in a short time contributes to the demand for brokerage services.

Bank guarantee agents registered on Internet portals have the opportunity

• use the express warranty approval mode;
• use exclusive programs that allow you to fill out an application in 3 hours;
• use electronic document management using digital signatures, which allows you to save time on visiting banking structures.

Banking services exchanges

Internet associations of banks on one platform allow individual agents to join the ranks of intermediaries accompanying clients on the path to obtaining financial services.

After electronically signing a cooperation agreement, you can become a full-fledged participant in the online system for selling guarantees from different banks. Distinctive features of online platforms:

• Automated business process technology ensures the confidentiality of personal data of transaction participants.
• Bidders are offered unique preferential rates that are not available when contacting the bank directly.
• Reducing the time required for issuing ready-made guarantees due to streamlined processes.
• There are no initial fees charged to agents, and you can start working immediately after registration.
• There is no sales plan, and free training is guaranteed.
• The agent's remuneration is credited to the agent's personal account on a monthly basis and is easy to control.

Cooperation with the service allows you to earn income under conditions of complete data security. A multi-level security system accompanies all payments and other transactions.

Money and position are excellent conditions for working as an oppressor

BG agent = success

Become an agent, because a specialist in bank guarantees can earn not only credibility in business circles, but also decent money. A successful broker receives 20-40% of the bank's commission, depending on the chosen platform for conducting the transaction. Taking into account the amount of guarantees from which the bank commission is calculated, the agent’s earnings are worth it for issuing guarantees for clients.

Anyone can become a banking agent. You don't need to have the appropriate education to do this. The main thing is to be a competent person and have a desire to understand the services that the bank provides to the population. You will be provided with training for this. In some credit institutions, agents are assigned an employee whom they can always contact. Having such a mentor makes your work much easier, because you can call him during business hours and clarify some point.

To receive an agency fee from the bank, you don’t have to look for clients on the side. Perhaps your relatives, acquaintances or friends will be interested in the products of a credit institution. If interest in obtaining a loan or debit card from a certain bank appeared after your consultation, the person applies there based on your recommendation. You can also provide your bank with the contacts of a person who is ready to agree to receive services after a conversation with you.

Bank employees will contact him and conclude an agreement. And you will receive an agreed percentage for the transaction or a fixed amount of remuneration.

You can offer bank services not only to your own people. If you look for clients online, you are likely to earn more income than by consulting with your family and your social circle. In addition, you can combine the work of a bank agent with your main activity. If you work with a specific base of individuals, you can attract someone from it. Just remember, this is not necessary during working hours and only with those with whom you have established informal, almost friendly relations.

Remember that engaging in personal business while working is officially prohibited in many companies, as is using client databases for purposes other than work.

Advantages and pitfalls

Working as a banking agent has both advantages and... Among the first, it should be noted a free schedule, independent drawing up of a work plan. The downside is the lack of a guarantee of results. The fact is that the essence of an agent’s job is to attract clients. People may apply to a bank based on your recommendation for a loan, but not receive approval from an inspector. It turns out that you did your part of the work, but did not receive a reward, because it is paid only for new clients.

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