Job Description
1. Guide customers in completing documentation to use credit facilities approved by MSB, including:
• Perform credit contract drafting, loan security agreements and related credit facility agreements, complete loan security procedures, warehouse import/export of collateral assets... in accordance with regulations;
• Execute credit contracts, loan security agreements and other related documents according to the prescribed templates in MSB processes, regulations and Law.
2. Manage customer credit limits.
3. Process disbursement transactions, fund transfers, debt collection, guarantees, trade finance and other work related to credit facilities for customers according to procedures and regulations.
4. Manage seals/import-export document sets/securities/collateral asset files. Archive all credit files including organizing and storing soft files on personal computers, shared drives, ECM and storing original documents (including documents transferred from Head Office) according to current regulations.
5. Manage and implement various types of reports:
• Implement credit-related reports such as outstanding balance statements, guarantee statements, collateral asset statements, interest rates; credit file and collateral asset inventory reports, Oprisk System error reports, customer risk debt reports (EW/Debt Management)... or other credit reports as requested;
• Support providing information and files as requested by Credit Management Bank, Internal Audit, Credit Supervision Department,...
6. Cooperate effectively with internal customer units and external customers, ensuring customer satisfaction with service quality provided
7. Support operational training for staff in the team;
8. Perform other work as assigned by management to achieve the unit's common objectives.
Job Requirements
1. Qualifications:
• Education: Bachelor's degree or higher in Finance-Banking, Economics, Law, Accounting, Commerce...
• IT: Proficient use of office application software
2. Experience: Minimum 02 years of experience working in the credit field, minimum 02 years of experience in credit operations support or equivalent position.
3. Knowledge:
• Clear understanding of credit operations.
• Knowledge of regulations related to banking operations
4. Competencies:
• Behavioral competencies and attitude: Compliance with regulations
• Professional competencies: Ability to apply knowledge to work effectively, Ability to handle situations
• General competencies: Communication and presentation skills
5. Other requirements:
• Professional demeanor, honesty, agility
• Good health, able to work in high-pressure environment; honest in all activities.
• Persistence, able to communicate well with customers and related departments, divisions, business units within MSB to ensure maximum responsiveness to unit requirements within the framework of law and MSB regulations.
BENEFITS WHEN JOINING MSB
1. Attractive salary and bonus:
• Competitive salary compared to the market and commensurate with ability, to be negotiated when candidates pass the Interview round.
• Attractive incentive/KPI bonus scheme and commissions, paid monthly, unlimited income (for sales positions and some special positions).
• Year-end performance bonus from 2 to 5 months average salary of the year, depending on evaluation and ranking results.
2. Comprehensive welfare policy:
• Insurance according to law and private health insurance for MSB staff.
• Diverse welfare schemes: flexible working hours, summer leave, birthday leave, school opening leave for children,...
• Loan program with preferential interest rates for employees.
3. Training and career advancement:
• In-depth and systematic training programs in the direction of transformation (Re_skill, Up_skill, New_skill), tailored to each job position group.
• Guided and mentored carefully by direct leaders, managers and industry experts.
• Management development program for high-potential employees, helping them prepare for future management and leadership positions.
• Priority recruitment of management levels from internal staff, creating advancement opportunities for employees.
4. Professional working environment and dynamic corporate culture:
• Comfortable, friendly, emphasizing sense of responsibility, mutual support.
• Dynamic, creative, encouraging innovation and continuous learning.
• Respect for differences, emphasizing teamwork spirit and effective cooperation.
• Many vibrant cultural, sports and entertainment activities, creating a cohesive and enjoyable working environment.
• Multiple years recognized by HR Asia as "Best Place to Work in Asia" and by Anphabe as "Enterprise with Happy Human Resources".
