Retail Credit

1 week ago


Ho Chi Minh City, Vietnam Shinhan Bank Full time

Work Location Ho Chi Minh (District 1)

Job Level Experienced (Non - Manager)

Job Type Permanent

Qualification Bachelor

Experiences 2 - 3 Years

Salary Negotiable

Industry Banking, Finance / Investment, Insurance

**Job Benefit**:

- Insurance
- Travel opportunities
- Health checkup
- Training & Development
- Salary review
- To submit accepted/rejected opinion to approval authority.
- To fix credit rating.
- To check data input on the credit rating system.
- To request documents and information relating to legal status, repayment capacity (financial and non-financial), repayment history, collateral, loan purpose, business plan.
- To verify the truthfulness of provided information.
- To review the provided information for compliance with policy, regulations and laws.
- To point out credit risk factors of the borrower and recommend approach/condition to mitigate.
- To forecast repayment sources sufficient to debt obligations and estimate tolerance in stressful business cycle.
- To integrate macro and industrial factors into borrower’s business/income source to estimate credit risk.
- To analyze collateral and other secured methods in term of legality, marketability, valuation for credit decision.
- To request branches to update borrower’s information regularly or irregularly.
- To provide industry information for credit risk analysis.
- To train matters relating to credit analysis activities.
- To feedback Branches relating to credit approval process
- To give contribution in construction of loan policy, loan guideline, credit process, loan

products.

**Job Requirement**:

- Education: Bachelor of Economics or relevant field.
- Experience: From 3 years of experience for credit analysis at Banks, Securities Companies or Fund Management Firms.

**Skills**:

- Credit analysis skill.
- Communication with open to criticism.
- Teamwork, treat people with respect.
- Problem Solving/ Analytical Thinking.
- Initiative.
- Master degree (if any).
- CFA certificate (if any).
- Credit analysis course certificate (if any).



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