Senior Expert, Corporate and Commercial Credit Risk Appraisal (40000735) at Techcombank

Hà Nội, , Vietnam -

Full Time

Start Date

Immediate

Expiry Date

16 Aug, 26

Salary

0.0

Posted On

18 May, 26

Experience

10 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Appraisal, Credit Risk Management, Financial Analysis, Credit Solution Design, KYC Reporting, Policy Development, Credit Monitoring, Training and Mentoring, Corporate Banking, SME Banking, Risk Appetite Analysis, Regulatory Compliance

Industry

Banking

Description

Job Purpose Implement credit appraisal, approval and control appraisal documents under periodic assignment; Participating in building credit products/solutions for customers belongs to Wholesales banking' MM/SME segment; Ensuring that credit apprasal' performance is quick and smooth in accordance with risk appetite; credit orientation and business orientation.Key Accountabilities (1) Key accountabilities (1)Key Accountabilities (2) Participating and coordinating with related departments to develop policies, credit products/solutions, and risk management policies within the scope of their assignment- Participating /Coordinating in designing comprehensive Know - Your - Customer report, risk components, appraisal và credit solutions to ensure consulting, coordinating with units in the whole bank to build outstanding credit solutions for individual customers/group customer as assigned.- Participating /Coordinating with related departments to develop/propose improvements and adjustments to relevant policies, regulations, processes and guidelines.Key Accountabilities (3) Coordinating, developing and implementing appraisal training programs/appraisal guidelines:- Directly train, participate in internal training to develop working skills and professional knowledge. Create a positive/dynamic/united/competitive and qualified working environment.- Implement/Coordinate with Sales và HR Division to organize training course on appraisal/credit operations and relevant documents/instructions/legal regulations in the journey credit extension.'Perform other tasks:- Participating /Coordinating in credit monitoring after credit being granted; Identifying early warning signals, Implementing appropriate behavioral actions as periodic assigned under each segment -Maintain customer's credit documents and records in accordance with regulations.Participate in/directly work with inspection teams at the request of the Bank about credit records of the customer segment assigned to manage. .Completely implement the recommendations of the Internal Inspection Department, the inspection team related to the work of credit appraisal.- Perform related tasks at the request of periodic Appraisal Director / Senior Manager / Credit Appraisal Manager' assignmentKey Relationships - Direct Manager Director/ Senior Manager/ Manager, Corporate and Commercial Credit Risk AppraisalKey Relationships - External Stakeholders Associations, state management agencies, businesses and individuals involved…Success Profile - Qualification and Experiences - Degree: University degree or higher with majors: Banking and Finance; Foreign Trade; Economics or related field…. (Preference will be given to those with relevant majors)- Experience:+ At least 8+ years of experience in the financial/banking industry, of which at least 5 years of experience related to credit appraisal+ Having experience and deep understanding of the credit, skills in analyzing and designing credit solutions for corporate customers (similar to the assigned group of customers) and ability to manage credit risks. Have understanding of the design, development of policies, procedures and credit products.+ Have training skills; have the ability to guide others in developing professional capacity and working skills.- English proficiency according to the periodic Bank's requirements

Responsibilities

Implement credit appraisal and control documents while developing credit products and risk management policies for Wholesale banking segments. Coordinate with internal departments to design KYC reports and provide professional training on credit operations.