Credit Underwriter

Credit Assessment and Decision Making:

- Evaluate customers’ applications through financial analysis, credit reports and other risk 

indicators to determine the degree of risk involved in extending credit exposure;

- Complete concise credit assessments and make decisions within delegated authority or make recommendation to Line Manager;

- Takes ownership of the credit process, making decisions in the best interest of the customer and organization.

- Maintain knowledge of all applicable underwriting guidelines by learning any business unit policies and/or guidelines. Provide proactive feedback on potential policy improvements.

Documentation Review and Policy Compliance

- Examine loan documentations for accuracy and completeness while working with operations and sales staff to secure all required documents.

- Conduct detailed review of financial statements, credit reports, and all other supporting 

documentation to ensure that credit criteria are upheld.

- Ensure all credit approvals comply with internal credit policy, regulatory standards, and audit requirements.

- Assist in the preparation of documentation and corporate financial analysis for high-value credit applications.

- Coordinate with relevant departments to detect cases of falsification and escalate issues where necessary.

Cross-functional Collaboration

- Provide exemplary customer service to both internal staff and external customers by explaining credit decisions and offering alternative options when needed.

Other Duties as Assigned

- Perform other tasks as assigned by Line Manage.

PREFERRED SKILLS:

- Graduated from University or higher majoring in Banking/ Finance/ Accountant/ Business Administration or other related fields.

- From 2-3 years of experience working at a bank/financial institutions in the field of credit

appraisal/approvals with specific experience in retail unsecured products

- Analytical thinker with research proficiencies.

- Ability to use reasonable and sound judgment.

- Strong problem-solving and decision-making skills.

- Ability to work under pressure and meet strict deadlines.

- Strong interpersonal and negotiation skills.

- Good communication skills, including oral and written.

- Ability to conduct research into borrowers and industries to be abreast with factors that may affect profitability and the borrower’s ability to repay loans.

- Proficient in English and Vietnamese.

- A keen interest in green energy or knowledge of solar energy systems is an advantage (not a prerequisite).