[Northern Retail Credit Analysis Department] Retail/SOHO Credit Officer

Retail/ SOHO Credit Officer will be responsible for:
Performing credit assessment for Retail Loan/ SOHO loans (including Individuals & Corporate)
Propose Opinion to approval corresponding authority for decision making
Conduct regularly/ ad-hoc training and consult branches relating to loan assessment process
Review Retail/ SOHO products/ process
Other tasks assigned by Director/Manager
Main tasks:
Perform credit rating evaluation for new customers and regular evaluate credit rating for existing customer
To request documents and information relating to legal status, repayment capacity (financial and non-financial), repayment history, collateral, loan purpose, business plan
To verify the truthfulness of provided information
To review the provided information for compliance with policy, regulations and laws
To utilize and apply analysis model/skill/competence in order to make decision
To point out credit risk factors of the borrower and recommend approach/condition to mitigate
To forecast repayment sources sufficient to debt obligations and estimate tolerance in stressful business cycle
To integrate macro and industrial factors into borrower's business/income source to estimate credit risk
To analyze collateral and other secured methods in term of legality, marketability, valuation for credit decision
Prepare CO's Opinion and recommend to approval authority
To request branches to update borrower's information regularly or irregularly
To provide industry information for credit risk analysis
To train matters relating to Retail/ SOHO credit analysis activities
To feedback Branches relating to credit approval process
To give contribution in construction of loan policy, loan guideline, credit process, loan products