Senior Officer, Credit Solution Management

2 weeks ago

Hanoi, Vietnam Techcombank Full time

29 Jun 2023**Senior Officer, Credit Solution Management - SME (40000631)**:

- Category: Business Banking Division- Job Type:
- Facility: Business Banking**Job Purpose**:

- The job holder responsible for credit appraisal, post-credit supervision, risk management, debt collection monitoring and service quality management, etc or customer / group of customer assigned to manage to achieve the planned objectives assigned.

**Key Accountabilities (1)**:

1. Customer Insight
- Collect / research information to understand characteristics, needs, markets, competitive banking products... of MSME customer segments, SMEs / assigned focus groups
- Collecting, analyzing information about existing customers, operations / methods / business plans, financial statements,... to understand customers, evaluate, propose sponsorship plans and customer management measures.

2. Product and Pricing
- Understand products, solutions and pricing policies for customers
- Coordinate with RM to propose pricing policies and suitable products to advise customers
- Proposing and participating in building products, solutions and pricing policies for customers with departments at Head Office.

3. Sale and Service
3.1. Coordinate with RM in establishing and developing relationships with new and existing business customers.
- Coordinate with RM to prepare related documents before, during and after meeting with customers
- Collecting documents of customer
- Make reports to propose products / solutions, price policies for customers
- Other related task

3.2. Customer care
- Implement quality commitments (TATs / SLAs) of positions in the process to increase customer experience and satisfaction at TCB.
- The focal point synthesizes customer feedback in the portfolio and urges and tracks the processing process, and reports back to RM to promptly solve problems.

4. Risk Management
4.1 Credit Risk Management
- Responsible for credit appraisal, coordinating with RM to physically appraise customers, complying with TCB's credit extension regulations.
- Prepare a credit appraisal report, agree with RM to submit a credit proposal, and submit it to authorized authorities for approval.
- Conduct post-credit supervision according to regulations.
- Coordinate RM to identify early warning signs, manage debt collection process for customers, handle bad debts arising and follow the instructions / risk handling directions.

4.2 Operation risk management
- Understand and implement and adhere to the regulations on operational risk management
- Proactively identify operational risks and make recommendations to your line manager / head office

**Key Accountabilities (2)**:

5. Operation
- Absolutely comply with regulations, processes, instructions... related.
- Understand and properly execute operating procedures (including forms) of products for SME customers.
- Proficient use of tools and programs in operation (T24, CRIB, ECM, BPM, BCDE...)
- Process the operation of assets, limits,... According to regulations
- Manage documents (legal documents, loan documents, property assets...) and customer information on the system according to regulations from time to time

6. Organization and personnel
- Develop yourself to fulfill your role and adapt to work-related change
- Closely cooperating with related positions, towards the common goal of the unit and the bank.

7. Effective management
- Coordinate with RM to manage credit quality of assigned customer portfolio according to the instructions and regulations of TCB.
- Strictly manage the performance results of the targets compared with the assigned target.

8. Other Tasks
- According to the direction / request of the bank or as assigned by the direct leaders from time to time

**Key Accountabilities (3)**:
**Key Relationships - Direct Manager**:
Manager Bussiness Banking SME

**Key Relationships - Direct Reports**:
None

**Key Relationships - Internal Stakeholders**:
BB Division; Risk Management Division, GTS Division, Otps Division, CA Division, HR

**Key Relationships - External Stakeholders**:
Individual customers, corporate customers, local government, competitors,

**Success Profile - Qualification and Experiences**:
Degree: University degree. Specialization in Foreign Trade / Economy / Finance / Banking is preferred
Experience: Minimum 5 years in the field of sales / sales support for corporate customers.
English : minimum TOEIC 550 or equivalent.

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