Loan in sdm bank. Consumer loans sdm-bank sdm bank cash loan

Education

In 1997 she graduated from Voronezh State University with a degree in Accounting and Auditing. Fluent in English.

Career at SDM-BANK

The story of Alla Vladimirovna and SDM-Bank is more than just the story of a successful career as a top manager. According to Alla Vladimirovna, a branch in Voronezh is not just a job, service, career. This is a part of life, a part of a family, a second home. And now it is already possible to speak with confidence about the labor dynasty: Alla Vladimirovna became the director of the branch after her father Vladimir Andreevich Voronov. It was he who was the first head of the branch, who created it in 1995 and ensured sustainable business development until 2012.

By the time of her appointment as director, Alla Vladimirovna had worked at SDM-Bank for over 15 years. She started, as befits a yesterday’s student, as an economist.

Now Alla Vladimirovna recalls with a smile that she had to do almost everything, not being limited only by her direct duties, “except that I did not work as a driver or an IT specialist - and I was always on hand.” The attitude to the branch was formed precisely by the father's leadership: never approach tasks formally, live at work, treat the branch as your brainchild - these are the basic principles that Alla Vladimirovna's work was based on throughout her entire career.

The list of positions of Alla Vladimirovna eloquently confirms that it is precisely this attitude that is the key to success for both business and the person in it.

• 1997 - economist;
• In 2000 she was transferred to the position of Internal Control Inspector;
• In 2003 she was appointed to the position of loan officer;
• In 2004 she was transferred to the position of head of the credit department;
• In 2008, she was appointed Deputy Director of the Voronezh branch of SDM-Bank;
• In 2012 she became the director of the branch.

Personal qualities

Even before Alla Vladimirovna became the "right hand" of her father in the bank, her personal achievements were impressive. She graduated from mathematics school, graduated from the University with honors and without a single grade, was one of the best students of the course. Alla Vladimirovna admits that mathematics and numbers not only do not scare her, on the contrary, in this area her soul “sings”. Therefore, he remembers the work in the credit department with special warmth. “Of all the departments, it is the credit department - the most beloved one - this is mine,” admits Alla Vladimirovna.

The secret to a successful career

It is always admirable when it is clear that a person is in his place and does what he likes and what he does. Alla Vladimirovna admits that she was invited many times to work in other banks, but she would not have been able to leave her native bank.

Nowadays 28 people work in the branch of SDM-Bank in Voronezh, and Alla Vladimirovna makes every effort to ensure that all employees in the bank are interested and that work, no matter how much it may be, is a pleasure. “There is very little staff turnover in our branch. And we are very proud of this. I try to convey my positive attitude and responsible attitude to my work to all my employees ”- Alla Vladimirovna notes.

The main team of the branch has been working together for over 10 years. Moreover, everyone, both employees and, which is very important, customers, really like our microclimate and atmosphere. Hence the large number of regular customers who have been served with us for about 19 years. Customers remain loyal to the bank, and the branch team is also very proud of this.

Go to the section "For Individuals" on the SDM website. Open the menu with the button on the left and select "Loans" - "Consumer loans".

Click the "Leave a request" button.

Indicate the desired amount and term of the loan (section "Information on the loan").

Enter your full name, employment and income information (section "Personal data").

Enter your phone number and email address (section "Contacts"). Click the "Submit Application" button.

After a while, a bank employee will contact you for further loan processing.

Borrower requirements

• Age 21 to 65
• Russian citizenship
• Registration on the territory of the Russian Federation
• Work experience in the last job from 12 months
• Employment in a partner organization of the bank

Required documents

• The passport
• Employment history
• Help 2-NDFL or 3-NDFL
• The same documents - for co-borrowers and guarantors (if any)

About the bank

SDM Bank is a Moscow bank with an average number of assets. Founded in 1991. Since 2004 it has been a member of the deposit insurance system. In 2008, the major Israeli bank Hapoalim planned to buy most of the SDM, but the deal was canceled at the request of the Central Bank of Israel. In 2011, the bank received investments in the amount of three hundred million rubles from the European Bank for Reconstruction and Development; in 2018, Expobank bought out the EBRD's share.

Most of the shares of SDM-Bank - more than 60% - are controlled by the chairman of the board of directors Anatoly Landsman. The bank's headquarters are located in Moscow. The bank has eight branches and more than 20 branches in Russian cities, as well as a representative office in London. The organization operates on the basis of license No. dated December 17, 2014.

The majority of SDM Bank's clients are legal entities operating in the field of trade, industry and transport. The bank also offers various services to individuals, including employees of the companies that it serves. Among the offers for them are loans, deposits, bank cards, safe boxes, investment services and foreign exchange transactions.

Documentation

Questions and answers

How is a consumer loan repaid?

The loan is repaid in monthly installments from an account with SDM-Bank. When signing the loan agreement, the bank transfers the payment schedule to the borrower. The document indicates the size and maturity date. Payment must be received in the account before the date shown in the schedule. To pay off the loan, deposit money into an account with SDM-Bank. You can replenish your account by bank transfer using the details. You can deposit cash at the cash desk or through the terminals. The bank will automatically debit the loan payment.

Is there a penalty for late payment?

If the next payment is not credited to the account before the maturity date, then SDM-Bank has the right to charge a penalty. Penalties are charged on the amount owed in the amount of 0.05% for each day of delay in payment. Information about the amounts and dates of payment is transmitted to the BCI. Delay negatively affects your credit history. It will be difficult to get the next loan. In case of multiple delays, the bank may demand to repay the loan in full.

Are there prepayment penalties?

SDM-Bank does not take a commission and does not set limits on the amount of early repayment. You can repay the loan in whole or in part at any time. Write an application to the bank 1 business day before the planned maturity date. Deposit the required amount into the account. After full repayment, ask the bank for a certificate of the absence of debt. In case of partial repayment of the loan, SDM-Bank will recalculate the payment schedule - it will reduce the term or amount of the regular payment.

Is it possible to extend the term of the contract?

The loan term can be increased if you did not violate the terms of the loan agreement - you made payments on time and provided information to the bank. To extend the term of the agreement, it is necessary to inform the SDM-Bank employee of a reasoned reason. The prolongation of the loan agreement is formalized by an additional agreement. For changing the term, you must pay a one-time commission.

SDM-Bank offers its clients a large number of profitable and affordable financial programs. Among them are consumer loans, which do not require the collection of a huge package of documents, and standardized products designed to solve more serious material problems.

In order not to be mistaken when choosing a suitable option, you should thoroughly study the possibilities and conditions of all offers, and correctly assess their advantages and disadvantages.

How the service can help a potential borrower

The portal cooperates with a financial institution directly. We have presented the contacts of all its branches, detailed descriptions of popular programs, conditions for receiving different types of bank offers. When placing an online application for the issuance of funds through our website, the customer gets a chance for personalized terms of service - this is possible due to a large number of profitable partnership promotions.

The requests made through the system are processed by the center manager within 24 hours. If the consumer doubts which personalized product to choose, he can ask clarifying questions through a special form.

All offers displayed on this page are the best or profitable exclusively in the opinion of Banki.ru experts.