[Northern Retail Credit Analysis Department] Retail/SOHO Credit Officer

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 guideline, credit process, loan products

• Bachelor’s degree in business, finance, or a related field
• Good interpersonal and communication skills in English

• Experiences in loan /credit analysis of SOHO customers.

• Strong analytical skills

•  Integrity