[Northern H.o] Northern Credit Analysis & [Hanoi Area] Corporate Loan Officer

1. [Northern H.O] Northern Credit Analysis

Objective:

- To do credit evaluation, make loan approval in Head Office for industry and customers in charge

- To support branches issues related to system, credit evaluation, approval process, loan policy

Duties & Responsibilities:

- Control the customers and industry in charge (which were assigned large, medium sized corporation and other assignments, if any)

- Do new credit evaluation and regular credit evaluation for existing customers

- Communicate with branches to discuss about the applied approval cases

- Review Credit Application from branches, check information, send Memo to ask for more information (if any), follow up approval conditions

- Go site visit (for new, extension, increase) customers to check real business and collect more information of customers

- Prepare Credit Analyst’s opinion, give independent opinion and submit to Manager line for reviewing

-Analyze project including feasibility plan and cash flow projection

- Support other team members in overload, difficulties in credit analysis,

- May perform other related duties as assigned

2. [Hanoi area] Corporate Loan Officer

- Check all the credit information and thoroughly analyze the financial statements and other supporting

data.

- Review the credit files to make sure that they proper credit information, including financial statements,

source of repayments, collateral, the market value and the valuation method, evaluation and depreciation

method, etc.

- Review the note and disbursement instructions prior to funding the loan.

- Manage all assigned loans which entails: review all financial statements, obtaining the documents as

dictated by the Loan Policy and the loan agreement, visit the borrower’s place of business, review all

correspondence received from the borrower.

- Be alert to other information sources which may provide information that suggest either potential

problems or opportunities for additional business.

- Diligently attempt to collect all past due loans.

- Immediately report to the GM, Credit Planning Department all loans that appear to have deteriorated

sufficiently to be included on the early warning list.

- Other assignments by GM (General Manager) / DGM (Deputy General Manager).

- Bachelor of Economics or relevant field.

- At least 3 years of experience in credit/loan and trade finance.

- Strong legal sense.

- Intensive understanding of banking products especially loan and trade finance.

- Good knowledge on bank Risk management and Asset liability management.

- English fluently in writing, speaking communication.