ROLES AND RESPONSIBILITIES/
ROLE AND RESPONSIBILITIES
- Analyze credit data and financial statements of individuals or businesses to determine the level of risk associated with the loan;
- Complete credit review of loan applications, including credit analysis and summary of requirements, credit proposals and submit to the Board of Directors for approval as required.
- Check loan documents for accuracy and completeness while working with Operations and Sales Executives to ensure all required documentation is present.
- Conduct a detailed review of financial statements, credit reports and all other supporting documents to ensure loan criteria are maintained.
- Provide customer service samples to both internal staff and external customers by explaining lending decisions and offering alternatives as needed.
- Maintain knowledge of all applicable due diligence guidelines by familiarizing yourself with any business unit policies and/or guidelines. Provide proactive feedback on potential policy improvements..
- Responsible for conducting research on borrowers and industries.
- In charge of the credit process, making decisions in the best interest of the customer and the organization
- Assist customer management in handling customer calls or website visits when necessary for high-level loan applications.
- Coordinate with relevant departments to prevent cases of falsification;
- Perform other tasks as assigned by management/BOD
QUALIFICATIONS AND EDUCATION REQUIREMENTS/
Qualifications and Education Requirements:
Graduated from Cao Dang, University or higher majoring in banking, finance, accounting, business administration or other related fields.
SKILLS REQUIRED/
Preferred Skills:
- Minimum 3 years of experience working at a bank in the field of credit appraisal/approval for retail and/or corporate customers
- Have an analytical mind and in-depth research skills
- Ability to use sound and sound judgment.
- Strong problem-solving and decision-making skills
- Able to work under high pressure and meet strict deadlines
- Strong in negotiation skills
- Good communication skills including verbal and written
- Research can be conducted on borrowers and industries to stay abreast of factors that may affect the borrower's profitability and ability to repay debt.
- Fluency in English is required
- Having knowledge of green energy or knowledge of solar energy systems is an advantage
RIGHT
Benefits
- 13th month salary
- Other benefits according to current labor laws (Vacation, health insurance, social insurance).
- Consider salary increase once a year
- Try getting a full salary
