[ TPHCM - HO ] SME / Retail Credit Officer - Chuyên Viên Tín Dụng Cá Nhân / Hộ Kinh Doanh

Retail/ SOHO Credit Officer will be responsible for:

• Performing credit assessment for Retail Loan/ SOHO loans (including Individuals & Corporate)

• Propose Opinion to approval corresponding authority for decision making

• Conduct regularly/ ad-hoc training and consult branches relating to loan assessment process

• Review Retail/ SOHO products/ process

• Other tasks assigned by Director/Manager

Main tasks:

• Perform credit rating evaluation for new customers and regular evaluate credit rating for existing customer

• To request documents and information relating to legal status, repayment capacity (financial and non-financial), repayment history, collateral, loan purpose, business plan

• To verify the truthfulness of provided information

• To review the provided information for compliance with policy, regulations and laws

• To utilize and apply analysis model/skill/competence in order to make decision

• To point out credit risk factors of the borrower and recommend approach/condition to mitigate

• To forecast repayment sources sufficient to debt obligations and estimate tolerance in stressful business cycle

• To integrate macro and industrial factors into borrower’s business/income source to estimate credit risk

• To analyze collateral and other secured methods in term of legality, marketability, valuation for credit decision

• Prepare CO’s Opinion and recommend to approval authority

• To request branches to update borrower’s information regularly or irregularly

• To provide industry information for credit risk analysis

• To train matters relating to Retail/ SOHO credit analysis activities

• To feedback Branches relating to credit approval process

• To give contribution in construction of loan policy, loan guidelines, credit process, loan products

Experience in loan section / credit analysis of SME customers

Relevant experience in Retail / Corp / SOHO Credit Analysis in Banks is preferable

Strong analytical skills

Good communication skills

Integrity

Team work, Hard-working