📍 Work location: Floor 9, V.E.T Building, 98 Hoang Quoc Viet, Nghia Do, Hanoi 📍Working hours: Monday – Friday, 8:30 AM – 5:30 PM
I. JOB DESCRIPTION
Candidates may undertake all or at least 2 of the following 3 main task groups:
1. Credit assessment and file processing:
- Receive, verify completeness and validity of credit files approved on the system, ensuring compliance with internal regulations. Check total credit limits, approval conditions and accompanying requirements.
- Assess capital use plans, financial situation, business capacity and collateral assets (legal status, value, documents). Evaluate input/output partners to determine transaction validity.
- Conduct on-site surveys at customer enterprises as required by each file or project.
- Synthesize, comprehensively evaluate files and prepare reports for submission to authorized approval levels.
2. Credit risk monitoring and control
- Monitor and supervise loans after disbursement according to credit supervision regulations.
- Analyze credit effectiveness and risk by portfolio (industry, product, customer group, debt quality, etc.).
- Propose solutions to improve effectiveness and limit credit risk.
3. Policy & Procedures
- Draft, update and standardize policies, procedures, operational guidelines related to corporate credit, collateral assets, assessment and approval.
- Coordinate with relevant units (Risk Management, Legal, Business, etc.) in reviewing, adjusting and optimizing credit granting procedures toward digitalization and effective risk management.
- Participate in training and internal communication on new policies and procedures.
- Contribute ideas and improvements to BPM/Core Banking systems related to credit operations.
II. CANDIDATE REQUIREMENTS
1. Qualifications and experience
- University degree in: Banking, Finance, Foreign Trade, Economics, Valuation or equivalent.
- Knowledge of credit products, banking policies, corporate finance, law and credit risk management.
- Minimum 2 years of experience at credit institutions, preferably candidates with experience in positions: → Credit assessment, Corporate customer segment credit support
- Ability to draft and review operational policies/procedures is a notable advantage.
2. Skills
- Skills in analysis, evaluation and assessment report writing.
- Skills in communication, negotiation and decision-making.
- Proficiency in office software (Excel, Word, PowerPoint); preferably knowledge of BPM/Corebank.
- English: Sufficient for work (document and report comprehension).
3. Other requirements
- High sense of responsibility, logical thinking, discipline, professionalism.
- Good health, ready for field work trips when required.
III. BENEFITS
- Base salary: Negotiable based on capacity
- Lunch allowance: 500,000 VND/month
- Bonus: According to work performance (KPI)
- Insurance:
- Health insurance, social insurance as per State regulations
- Extended health insurance package for employees
- Benefits:
- Compassionate leave, annual leave, seniority leave
- Bonuses/gifts on holidays
- Participation in cultural – sports – travel – teambuilding activities annually
- Training: Participate in advanced courses on operational skills, assessment and risk management.
