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[ TPHCM - HO ] SME / RETAIL CREDIT OFFICER - CHUYÊN VIÊN TÍN DỤNG CÁ NHÂN / HỘ KINH DOANH

Work Location Ho Chi Minh
Job Level Experienced (Non - Manager)
Job Type Permanent
Experiences 2 Years
Salary Negotiable
Industry Banking, Corporate Sales, Corporate Finance, Finance, Retail / Wholesale, Sales / Business Development
Deadline to Apply 04/02/2025
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Job Benefit

  • Insurance
  • Travel opportunities
  • Allowances
  • Uniform
  • Health checkup
  • Training & Development
  • Salary review
  • Annual Leave

Job Description

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

Job Requirement

 

  • 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
Job tags: [ TPHCM - HO ] SME / RETAIL CREDIT OFFICER - CHUYÊN VIÊN TÍN DỤNG CÁ NHÂN / HỘ KINH DOANH

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