[ TPHCM ] - Nhân Viên Thẩm Định Tín Dụng KHCN / KHDN - Retail / Corporate Loan Officer

• Evaluate credit worthiness via processing loan applications and documentation

• Interview applicants to determine financial eligibility and feasibility of granting loans

• Determine all applicable ratios and metrics for preparing credit application and set up loan payment plans

• Communicate with customer via phone/ direct meet / site visit the mortgage or customer's addresses either to request or to provide or to verify information and assess the customer credit worthiness and provided information.

• Complete loan contracts and counsel customers on policies and regulations.

• Maintain and follow up loan records and overdue record, implement collection procedure and propose changes as needed to reduce bad debts.

• Update job knowledge on types of loans and other bank services

• Assess customer needs, explore all options and introduce different types of loans to develop referral networks, suggest alternate channels and cross-sell products and services

• Build trust relationships, customer loyalty and satisfaction throughout the underwriting process.

• Operate in compliance with laws and regulations and adhere to lending compliance guidelines

• Bachelor’s degree in business, finance, or a related field

• Good interpersonal and communication skills in English

• Good math and computer skills

• Proven working experience as a Loan Officer or Loan admin

• Solid understanding of lending products and practices

• Comprehensive understanding of lending regulations

• Excellent communication, customer-service, and time-management skills

• Highly detail-oriented, with a strong work ethic, strong dedication to accuracy and efficiency, high responsibility in teamwork

• High self-motivated and committed

• Ability to pass a background check