Expert, Retail & Small Business Banking Credit Risk Underwriting

Job PurposeCarry out the tasks of Retail & Small Business Banking Credit Risk Underwriting team on the basis ofunderstanding customers by segment, providing optimal financial solutions to enhance customer experience,balance benefits and risks of the Customer and the Bank, in line with the Bank's credit orientationKey Accountabilities 1. General Responsibilities:- Ensure compliance with internal policies, regulations, procedures, guidelines, etc.- Understand and commit to strictly comply with information security policies- Responsible for all credit appraisal and measurement results given.- Participating in organizational culture work at the facility in accordance with the organizational culture orientation of the Division/ Bank.2. Professional Responsibilities:- Measure and fully assess credit risk indicators- Provide financial solutions suitable for the customer's portrait- Proposing measures to control and minimize credit risks- Understanding each customer segment, focusing on customer experience and balancing risks between thebenefits of the bank and customers.- Participate in the development of products, processes, and guidelines related to personal credit & small businesscredit- Detect and warn within the scope of personal appraisal about potentially risky behaviors for the bank- Participate in consulting for customers / business units to come up with a financial solution structure suitable forcustomers' needs- Self-study and improve professional knowledge.- Actively participate fully in group/department/Center/bank training activities3. Other responsibilities:- Other tasks assigned by direct managers and upper management.Key Relationships - Direct Manager: Manager, Retail & Small Business Banking Credit Risk UnderwritingKey Relationships - Direct ReportsKey Relationships - Internal Stakeholders: Divisions in the bank (Risk, RBG, CSA, BB, CA,…)Key Relationships - External Stakeholders