Reorganization of mortgage divisions of PJSC VTB 24

Abstract

The new model of organizational structure of the center of mortgage lending of PJSC VTB 24 on the basis of the analysis of organizational structure of the center of mortgage lending of PJSC VTB 24 which has revealed the shortcomings following from division of the mortgage direction into the front and the BEK-zone is presented in article. Such division is illogical and isn't built in the general concept of development of the Bank seeking to provide uniform standards of communications and to increase penetration into the operating client base, having increased quantity of banking products on one client. To force the mortgage portfolio to work more effectively, having created conditions to involvement ОЗиСИС into cross-sales of banking products, it is possible having united the CEC under one chief and having set as this uniform chief the purposes both on sales, and on high-quality escort of the acting clients. In 2017 become strategic tasks of bank high-quality portfolio growth, the Bank has passed from extensive development to intensive. It creates prerequisites for strengthening efforts on penetration into the operating client base again. It is also possible to increase commission income if to pronounce with clients structure of the transaction at a consultation stage, actively offering transactions not through cash - non-cash payment, and with use of a letter of credit form of calculation or safety-deposit boxes. The new model of organizational structure of the center of mortgage lending means the high involvement of all staff of department into tasks as sales and high-quality support of department and excludes readdressing of the client between departments, misunderstanding and duplication of functions.