The job holder
- Approve credit transactions within the scope of authorization; Coordinating and managing the appraisal, approval and risk control after granting credit to Corporate Customers in the management segment, ensuring the appraisal, approval and control of terms and conditions. Accounts and commitments between the Customer and Techcombank are executed safely, effectively, professionally and in accordance with Techcombank's regulations and the law.
- Participate in providing outstanding credit products/solutions for customers under Sector's charge, realizing opportunities in the value chain of key Sectors/business customers.
RESPONSIBILITIES FOR PROPOSING CREDIT SOLUTIONS FOR BUSINESS CUSTOMERS IN WB DIVISION
1. Participate in credit product design to ensure consulting, coordinate with units throughout the line to build outstanding credit solutions for customers under Sectors in charge, realizing opportunities in the chain. value of Sectors/Business custormer to choose the focus.
2. Carry out the appraisal and propose financial và non-financial solutions; carry out credit granting and disbursement procedures; control risks after granting credit to corporate customers in the Small and Medium-sized Banks Division
− Collect complete dossiers from customers according to the list specified in the appraisal process and be responsible for checking the validity, legality, authenticity, surface consistency of information and documents collected from customers.
- Understanding customers (development strategy, business operation model), assessing business performance, financial situation, business plan to build forecast financial statements/flows money and propose financial solutions suitable to customers and Techcombank's orientation.
− Prepare appraisal report, coordinate and exchange information with relevant departments including Customer Relations Department of WB, Risk Management Department (Re-evaluation, Risk Strategy, Portfolio Management) ) and other divisions of the bank (BB, IB, Market, Legal) if any and complete the procedures for submission to competent authorities for approval as prescribed.
− Coordinate with Staff of Customer Relations Department SRMs/RMs to successfully protect the credit application file before the Competent Authorities.
− Notify the approval results to the Customer and coordinate with the relevant departments in receiving and checking the draft documents, performing the procedures for different submissions during the negotiation and signing of the credit contract with the customer. customer, receive and check the signed document provided by the customer and complete the proposal to declare the credit to the system
− Coordinate with other relevant departments to clarify the approval content in order to remove problems arising during operation; evaluate the business plan each time (if any).
− Follow up on time limits, limits, compliance with conditions... at Customer Contracts signed with Techcombank and promptly notify the status to Customer management SRMs/RMs and Center Directors to maintain or make appropriate adjustments.
− Coordinate with relevant departments to periodically monitor and update information on all activities of customers, periodically assess credit, proactively identify early warning signs, periodically assess credit according to regulations. Techcombank's decision
− Coordinate with relevant departments in appraising, evaluating and proposing solutions when early warning signs appear
− Recommend and coordinate to implement measures in handling problem debt for customers Khách
− Follow-up and urge customers to supplement and complete documents according to regulations
− Take the main responsibility for storing the customer's appraisal documents and handing over the documents according to regulations
COORDINATION, APPROVAL
1. Coordination of credit appraisal tasks
− The focal point to receive information about customers' needs from the Customer Service department and appropriately allocate them to team leaders/Officers/Experts of Credit Appraisal Officers for implementation.
- Assign work, control the work of Credit Appraisal Officers and support/guide/resolve problems to ensure that customer appraisal is implemented in accordance with the SLA, carefully and effectively
− Coordinating with Policy, Risk Management, Product Development... to design credit products to increase customer experience; adjust/add processes and documents related to the operations performed; ensure compliance with regulations and minimize risks for Techcombank.
2. Transaction approval
- Approve credit transactions within the authorized scope.
- Sign documents and records related to credit transactions as authorized
3. Control and manage the implementation of credit granting procedures, control risks after credit granting
− Control appraisal reports/reports, periodic credit assessment reports/reports and documents related to credit granting to Customers of Credit Appraisers before submitting them to customers. competent leadership level; ensure the suitability and compliance with credit conditions and current regulations of Techcombank and the law.
− Coordinate with Officers of Customer Relations Department to successfully protect the credit application file before the Competent Authorities.
− Control and urge the implementation of post-credit inspection and control activities to ensure strict compliance with Techcombank's current regulations and uninterrupted credit operation.
− Urge the monitoring of credit quality and compliance with credit conditions of the assigned customer segment under the WB Division, detecting early warning signs and collaborating in proposing debt settlement plans problem.
− Controll, propose, coordinate to implement measures in dealing with overdue debt problems for customers and implementing problem credit management.
− Urge the storage of customer credit documents of the WB Division in accordance with regulations and providing documents and information of customers assigned to handle, working with inspection and examination teams as required. demand of the Bank.
- Urge to complete the recommendations of the internal inspection and inspection departments related to the work of Credit Appraisal;
4. Internal Report
− The focal point for summarizing, recording problems arising in the process of appraisal, submission for approval and credit control after disbursement, and notify the customer management department, credit operation department to make a decision. more appropriate credit product structure, or strict control measures to minimize credit risks and strictly comply with Techcombank's regulations/proposal to amend processes and regulations related to businesses performance service.
OTHER
1. Organizational culture:
− Training and supporting professional development of employees in the room center.
- Set an example and ensure the correct and complete implementation of organizational culture implementation plans;
- Set an example and contribute to building a professional and effective working environment for employees
2. Other jobs
− Coordination of work, supervision; Proposing rewards and discipline for the group of officials assigned to manage
− Update, disseminate, and guide the implementation of relevant documents and instructions.
− Other tasks as assigned by the Senior Director, Credit Management in order to achieve the overall goals of the unit.
Domain expertise:
- At least 10+ years of experience working in an appraisal or credit-related position at financial institutions, credit or at independent appraisal companies
- Have knowledge and experience in the field of credit and credit risk management; Knowledge of banking credit processes, regulations, products, legal knowledge and appraisal of collateral
- Critical thinking and good problem solving
- Ability to get to the heart of the matter
- Able to work under pressure
- English level 3 (TOEIC 650 or higher or other equivalent certificates)
Qualifications:
- Graduated from university or higher majoring in Appraisal, Law, Economics, Finance, Banking.
