Main Responsibilities
- Receive and control credit files from business units, ensuring completeness and validity, especially for complex files
- Conduct on-site customer appraisals (direct meetings, factory/warehouse surveys) to assess business operations
- Analyze financial statements, assess trends, identify risks and propose mitigation measures
- Reference legal regulations, internal regulations (such as at VPBank) and similar cases to propose appropriate credit recommendations
- Prepare re-appraisal reports, provide opinions on approval/rejection of credit facilities
- Discuss and debate with business units and defend positions before the credit committee
- Draft credit resolutions and coordinate with departments for implementation after approval
- Participate in process improvements, internal training and conduct reporting and file management
Education Level
University degree in EconomicsCertificates/Professional Qualifications
Professional Competencies
Skills
Core Values
1. ASPIRATION
2. INTEGRITY
3. EFFECTIVENESS
4. DISCIPLINE
5. INNOVATION
Other Competencies
Job Requirements
1. Education Level
• University degree
2. Related Knowledge/Expertise
• Ability to analyze and evaluate complex financial statements, understanding of accounting and bookkeeping operations; deep understanding of banking credit operations.
• Basic knowledge of common business sectors of customers in general in the economy.
3. Skills
• Proficient in office software
• Good communication, negotiation and persuasion skills.
• Ability to work independently and good teamwork
4. Related Experience
• At least 6 years of experience in banking credit, with experience in credit appraisal.
5. Required Competencies
• Thorough understanding of legal regulations and VPBank regulations related to credit.
Benefits
- Attractive income, competitive salary and bonus according to ability
- Holiday and Tet bonuses (according to bank policy from time to time)
- Preferential loans according to bank policy from time to time
- Attractive leave policy according to job level, entitled to summer travel benefits
- Mandatory insurance under labor law + VPBank care insurance for employees depending on level and length of service
- Participation in training courses depending on the training framework for each position
- Working hours: Monday – Friday & Saturday morning
- Dynamic, friendly working environment with many opportunities for learning, training and development; participation in many interesting cultural activities (sports competitions, talent competitions, team building activities...)
