Job Description
1. Target Role:
Evaluate and provide opinions to the Board of Directors, Risk Management Council (HĐXLRR) for approval of debt resolution plans for at-risk customers as proposed by the Specialized Banking unit, ensuring timely progress to serve business operations well, while ensuring risk management in accordance with MSB regulations and applicable laws
2. Job Requirements:
a, Provide assessments and evaluations on the value of collateral. Assess debt resolution plans for at-risk customers:
• Evaluate compliance with MSB procedures and regulations
• Evaluate feasibility and effectiveness of debt resolution plans;
• Provide opinions and coordinate reporting to the approval level for decision-making.
b, Assess credit files for special customer segments:
• Assess and provide evaluations on credit files for short-term, medium to long-term credit and bond investment proposals of special customer segments;
• Rank customers as a basis for applying credit policies and interest rates for each borrowing customer;
• Prepare direct assessment reports for loans requiring direct assessment, Risk assessment reports as a basis for submitting to credit approval level;
• Submit credit approval files to the Council.
c, Monitor credit risk assessment reports, evaluate and provide final recommendations for credit approval proposals for strategic customers:
d, Train and support business development for staff in the unit when requested and participate in the lecturer program according to mobilization by the Training Center
e, Provide comments on policy documents when requested.
Job Requirements
• Bachelor's degree or higher in Finance - Banking, Economics or related fields
• Experience in collateral valuation; credit/credit risk management/assessment/debt resolution fields.
• Good understanding of regulations related to credit and investment activities;
• In-depth knowledge of collateral valuation, credit risk management, collateral asset management
• Understanding of State Bank of Vietnam regulations and laws in the fields of valuation, debt management, debt resolution, debt resolution plans for customers;
• Ability to work independently, teamwork skills and ability to handle work pressure
• Problem-solving and decision-making.
BENEFITS WHEN JOINING MSB
Attractive Salary and Bonus:
• Competitive salary compared to the market and commensurate with capabilities, to be negotiated when candidates pass the interview round.
• Attractive incentive/KPI bonus scheme and commissions, paid monthly, unlimited income (for sales positions and certain special positions).
• Year-end performance bonus from 2 to 5 months average salary of the year, depending on evaluation and ranking results.
Comprehensive Welfare Policy:
• Insurance according to legal regulations 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 staff.
Training and Career Development:
• 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 management and leadership positions in the future.
• Priority recruitment of management levels from internal staff, creating advancement opportunities for employees.
Professional Work Environment and Dynamic Corporate Culture:
• Comfortable, friendly, emphasizing responsibility and mutual support.
• Dynamic, creative, encouraging innovation and continuous learning.
• Respect for diversity, emphasizing teamwork spirit and effective cooperation.
• Many vibrant cultural, sports and entertainment activities, creating a cohesive and enjoyable work environment.
• Multiple years in a row recognized by HR Asia as "Best Place to Work in Asia" and by Anphabe as "Enterprise with Happy Human Resources".