Job Purpose
The person in charge of the position is responsible for:
- In-depth consulting, implementation and control work within the scope of expertise Collateral Policy in order tobuild and develop the management and supervision of collateral, contributing to the effective implementation of risk management tasks. At the same time, it provides solutions for
business development in parallel witheffective risk management for all types of collateral.
Key Accountabilities
1. Management Responsibilities
- Consult, coordinat, implement and monitor the Department's plans and activities according to the developmentorientation of the center, the Division, and the bank;
- Monitor and organize implementing the budget according to the annual operating plan, manage the unit'soperating budget according to the approved limit;
- Ensure that the activities of the Department fully comply with the policies and regulations of the law and thebank;
- Coordinate with other departments of the Center to build and implement cross-functions of the Center and theDivision.
- Consult and organize implementing the implementation of development/application of innovations, innovationsand initiatives to upgrade the quality of work to meet the transformation of the organization.
- Take overall responsibility for the professional work and quality of the assigned work related to the Department with the Director
2. Responsibility for human resource management and development
- Consult to organize and arrange work and personnel in accordance with the tasks and work nature of thedepartment;
- organize implementing a roadmap for training and developing capacity and skills for department membersaccording to the needs and work of the department;
- Responsible for building and developing talents in line with development orientations for the department andunit.
- Consult Building and implementing departmental culture according to the nature of departments, units andfinancial culture of the bank;
- Coordinate with other departments of the Center to build training activities, personnel rotation and activities toconnect and develop staff capacity at the unit;
3. Professional Responsibilities:
Responsible for performing all/part of the following tasks of the Department - depending on the tasks from timeto time:
3.1. Orientation for building and administering the governance framework and the framework for enforcing thesecurity assets of the whole system
- Implement, control and build the collateral management framework, including principles, pillars and indicatorson collateral risk management.
- Implement and control the development of an implementation framework for collateral, including Regulationsand Guidelines on Receiving and Managing Collateral, and Managing Outsourced Partners; Framework, criteriafor understanding assets, conversion cycle of assets and collateral by Industry/Sector
- Advise and propose solutions to the Board of Directors and Units in developing documents on collateral
- Conduct research, build and set up risk management indicators for collaterals (haircut, limit, ISV, RSV, LVA),LGD component
3.2. Design orientation of collateral solution (including collateral index) for offerings of Business segments
- Propose to the approval level on the issuance/amendment/addition/replacement of documents in order toperfect the internal document system of the collateral to conform to the provisions of law and TCB regulations.
- Applying the use of collateral risk index, list of collateral to provide a basis for agreeing, refusing toopen/tighten receipt, and management of collateral
- Consulting, answering, recording problems, difficulties and inadequacies in the process of implementing thePolicy on Collateral Management, building the collateral component in the offering.
- Coordinate with compliance departments (Internal Audit, CA,...) to monitor and fix issues related to collateralrisks (if necessary).
3.3. Orientation for setting standards of price brackets and promulgating price frame
3.4. Lead the development of a set of criteria and regulations related to assessment and control of outsourcedpartners providing valuation and collateral management services.
- Conduct research to develop a set of criteria and regulations related to the evaluation of partners providingvaluation and management services of collateral;
- Directly implement quality monitoring, evaluation, and linkages with outsourced partners (valuation activities,management of collaterals)
- Implement warnings about risks in linking outsourced partners in valuation and management of collateral
3.5. Limit threshold management and collateral portfolio management
- Constructing and setting thresholds for the list of collaterals; portfolio management based on the criteria, thethreshold of volatility of the portfolio of collateral in each period.
- Develop or coordinate with organizations inside and outside TCB to develop industry indicators,macroeconomic indicators to assess the impact on the risk index of collaterals.
- Advise and establish the connection between the collateral risk index and the bank's financial/non-financialindex.
- Perform analysis and management of the portfolio of collateral in order to promptly reflect marketfluctuations/the portfolio of collateral and changes in the policy of collateral from time to time.
- Design a dashboard for the portfolio of collateral; Coordinating with other segments in the Risk ManagementDivision in analyzing risk reports of collateral portfolio
- Participating in the development of volatility/behavior scenarios and tolerance thresholds of the portfolio ofcollaterals in order to give early warning of the risks of fixed assets/risks in the management of collaterals.
3.6 Orientation to establish a database related to collateral and develop a technology system for collateral
-Organize, collect and process, analyze data to develop policies and manage changes in collateral policy overtime.
- Implement and develop the construction and management of the information database system on collateral inorder to improve the quality of the collateral information system.
- Developing and deploying collateral technology solutions to manage the work of e2e
