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Mô Tả Công Việc
Credit Assessment and Decision Making:- Evaluate customers’ applications through financial analysis, credit reports and other risk indicators to determine the degree of risk involved in extending credit exposure;- Complete concise credit assessments and make decisions within delegated authority or make recommendation to Line Manager;- Takes ownership of the credit process, making decisions in the best interest of the customer and organization.- Maintain knowledge of all applicable underwriting guidelines by learning any business unit policies and/or guidelines. Provide proactive feedback on potential policy improvements.Documentation Review and Policy Compliance- Examine loan documentations for accuracy and completeness while working with operations and sales staff to secure all required documents.- Conduct detailed review of financial statements, credit reports, and all other supporting documentation to ensure that credit criteria are upheld.- Ensure all credit approvals comply with internal credit policy, regulatory standards, and audit requirements.- Assist in the preparation of documentation and corporate financial analysis for high-value credit applications.- Coordinate with relevant departments to detect cases of falsification and escalate issues where necessary.Cross-functional Collaboration- Provide exemplary customer service to both internal staff and external customers by explaining credit decisions and offering alternative options when needed.Other Duties as Assigned- Perform other tasks as assigned by Line Manage.
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Yêu Cầu Công Việc
- Graduated from University or higher majoring in Banking/ Finance/ Accountant/ Business Administration or other related fields.- Proficient in English and Vietnamese.- From 2-3 years of experience working at a bank/financial institutions in the field of credit appraisal/approvals with specific experience in retail unsecured products- Analytical thinker with research proficiencies.- Ability to use reasonable and sound judgment.- Strong problem-solving and decision-making skills.- Ability to work under pressure and meet strict deadlines.- Strong interpersonal and negotiation skills.- Good communication skills, including oral and written.- Ability to conduct research into borrowers and industries to be abreast with factors that may affect profitability and the borrower’s ability to repay loans.- A keen interest in green energy or knowledge of solar energy systems is an advantage (not a prerequisite).
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Hình thức
Full-time
Mức lương
Thỏa thuận
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