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[HỘI SỞ]- Retail Credit

Work Location Ho Chi Minh (District 1)
Job Level Experienced (Non - Manager)
Job Type Permanent
Qualification Bachelor
Experiences 2 - 3 Years
Salary Negotiable
Industry Banking, Finance / Investment, Insurance
Deadline to Apply 30/09/2022
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Job Benefit

  • Insurance
  • Travel opportunities
  • Health checkup
  • Training & Development
  • Salary review

Job Description

- To submit accepted/rejected opinion to approval authority

- To fix credit rating

- To check data input on the credit rating system

- 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

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

- To provide industry information for credit risk analysis

- To train matters relating to credit analysis activities

- To feedback Branches relating to credit approval process

- To give contribution in construction of loan policy, loan guideline, credit process, loan

products

Job Requirement

Education: Bachelor of Economics or relevant field

Experience: From 3 years of experience for credit analysis at Banks, Securities Companies or Fund Management Firms

Skills:

  • Credit analysis skill

  • Communication with open to criticism

  • Teamwork, treat people with respect

  • Problem Solving/Analytical Thinking

  • Initiative

  • Master degree (if any)

  • CFA certificate (if any)

  • Credit analysis course certificate (if any)

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