[hoan kiem branch] - CHUYÊN VIÊN THẨM ĐỊNH TÍN DỤNG [khcn/khdn] - [retail/corporate] loan officer

Evaluate credit worthiness via processing loan applications and documentation
Interview applicants to determine financial eligibility and feasibility of granting loans
Determine all applicable ratios and metrics for preparing credit application and set up loan payment plans
Communicate with customer via phone/ direct meet / site visit the mortgage or customer's addresses either to request or to provide or to verify information and assess the customer credit worthiness and provided information.
Complete loan contracts and counsel customers on policies and regulations.
Maintain and follow up loan records and overdue record, implement collection procedure and propose changes as needed to reduce bad debts.
Update job knowledge on types of loans and other bank services
Assess customer needs, explore all options and introduce different types of loans to develop referral networks, suggest alternate channels and cross-sell products and services
Build trust relationships, customer loyalty and satisfaction throughout the underwriting process.
Operate in compliance with laws and regulations and adhere to lending compliance guidelines