Job Description
1. Analysis & Control of Business Credit Limits
• Receive and verify the completeness and validity of dossiers from customers & business units: business plans, economic contracts, related documents
• Conduct independent control analysis based on 3 pillars:
– Product suitability – Input/Output
– Loan tenor according to Economic Contract
– Product limit within Overall limit & credit conditions set on core banking systems and satellite transaction processing systems in the bank
• Submit dossiers to higher approval levels for policy exceptions
2. Monitor Credit Limits after Approval
• Analyze data, periodically monitor limit usage; detect anomalies in disbursement structure compared to approved plan
• Early warning when detecting signs of capital misuse or tenor mismatch with reality
• Update limit status (active, expired, suspended) and coordinate with business units during limit renewal or adjustment
• Prepare periodic reports tracking credit limit portfolio for loan debt management
3. Coordination & Improvement
• Coordinate with relevant departments in the bank to handle complex dossiers or new products
• Propose improvements to control procedures, financing plan templates, analysis checklists and monitoring tools
Job Requirements
Experience & Expertise
• Minimum 4 years of experience in credit, credit analysis, credit support or credit control for Corporate Customers
• Solid understanding of business cash flow analysis principles: cash conversion cycle, average collection period, average payment period, inventory turnover
• Proficient in reading and analyzing economic contracts: payment terms, delivery conditions, collection mechanisms, counterparty risks
• Clear understanding of credit approval process and risk management before, during and after lending
Outstanding Capabilities
• Independent analytical thinking: understand the real business substance behind dossiers, identify contradictions between product – purpose – tenor
• Strong control stance: reject or request adjustments when detecting risks, not pressured by business units
• Numerical and logical thinking
Character & Values
• Dedicated, integrity - careful with principles but flexible in practical handling
• Spirit of continuous improvement, ready to learn new technologies
• Work effectively in high-pressure environment with multiple stakeholders
BENEFITS WHEN JOINING MSB
1. Attractive Salary and Bonus:
• Competitive salary compared to market and commensurate with capabilities, to be negotiated when candidate passes the Interview round.
• Attractive incentive/KPI bonus and commission schemes, paid monthly, unlimited income (for sales positions and some specialized 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 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 employees.
3. Training and Career Development:
• In-depth and systematic training programs in transformation direction (Re_skill, Up_skill, New_skill), customized for each job position group.
• Guidance and mentoring by leaders, direct managers and industry experts.
• Management development program for high-potential employees, preparing them for future management and leadership positions.
• Priority recruitment of management level 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 diversity, emphasizing teamwork spirit and effective cooperation.
• Many vibrant cultural, sports and entertainment activities, creating a cohesive and joyful working environment.
• Multiple years recognized by HR Asia as "Best Place to Work in Asia" and by Anphabe as "Enterprise with Happy Human Resources".
