Loan Operations Senior Officer

1 week ago

Ho Chi Minh City, Vietnam Deutsche Bank Full time

**Position Description**

**Position Specific Responsibilities and Accountabilities**

**Risk Management and Control**
- Proactively identifies operational risk and develop controls to manage and mitigate risk in partnership with the business.
- Educates self about inherent operational risk to improve knowledge about industry standards, security and audit requirements. Escalates appropriately to manage risk.
- Make recommendations for process improvement. Develop awareness of strategy, predict business changes, control challenges and drive strategic direction/solutions.
- Prepare all exceptional items daily. Prepare and review Daily/Monthly/Quarterly/Yearly regional management reporting.

**Key Responsibilities / Activities**

**Documentation**
- Preparing, perfecting, safekeeping, reviewing of offer letters and security documents.
- Reviewing legal documents and liasing with legal counsel (offer letters and security agreements) to ensure that such documents are in line with the recommendation of internal/external legal.
- Updating of LS2, Scanning and saving documents into the electronic database (db-loandoc).

**Credit Limits and Account Conditions Management**
- Input, amendment, cancellation of limits in IDMS in accordance with standard limit handling procedures.

**Monitoring Function**
- Ensuring timely monitoring of covenants in accordance with regional procedures.
- Ensuring cash-based creditsare in compliance with guidelines and conducting collateral revaluation on a regular basis.
- Monitoring compliance with local regulations related to loans, such as single/ group borrower limit, ceiling lending interest rate.
- Tracking of customers’ audited financial statements.
- Maintaining and updating the central customer database (TOTPORT, Group Client).
- Ensuring that incomplete documents are properly tracked and followed-up.
- Ensure Daily LS2 reports for Operations control and Work in progress is monitored/reviewed, commented and signed off.
- Ensuring that all overdue items are escalated to the business and the regional operations.
- Daily review of K+/LS2 reconciliation for Cash and economics in MIS. Ensuring breaks are actioned and escalated.
- Review of daily LS2 limit reconciliation and Ledger reconciliation. Resolution and escalation where necessary
- Ensure daily transactions be processed within TAT
- Ensure any complaints from internal/ external customers is handled, followed up and escalated accordingly

**Loans Funding and Client Service**
- Delivering excellent client service by responding to client queries, providing rates to clients based on Cost of funds and agreed margins. Escalating issues to business immediately.
- Booking loans funding in K+ system based on client dealings and Relationship Managers advice regarding loan amount, loan tenor and loan interest.

**Reporting**
- Submission of regulatory reports to the State Bank of Vietnam, State Bank Inspector, Credit Information Center.
- Preparing and submitting accurate daily/ monthly / quarterly / yearly/ ad hoc reports to Regional Management and Global Head Office/ SVB/ CIC.

**Audit/Controls**
- Maintaining proper and sufficient audit trails.
- Resolving of any outstanding audit points without delay.
- Ensuring compliance with Operational Risk Management, STARC, KOD.
- Ensuring that there are no lapses or gaps in control

**Cost Control**
- Maintain Cost Control in the approved budget.

**Business Continuity Management (BCM)**
- Assisting BCM Co-ordinator of the department in the review of Business Recovery Plans (BRP), Walkthough and Testing.
- Acting as alternate BCM co-ordinator.

**Back-up Resource**
- Ensuring that adequate hand-over is given for back-up staff in order to have proper operational cover during staff annual leave.
- Support business and product expansion if applicable.

**Others**
- Any responsibilities or tasks that may be assigned.

**Experience/ Exposure**
- Strong interpersonal skills and a team player.
- Should possess professional qualification.
- Should communicate clearly, have good presentation skills.
- Graduate, with minimum of 3 years of related experience
- Have the capability of driving initiatives, projects, new developments.
- Have a strong understanding of Compliance, Audit, Regulatory & operational risk, and related issues.
- Self-driven and keen on change for better mindset.
- Good competence in written and spoken English and Vietnamese communication skills.
- Posses good interpersonal skills.
- Strong skills in Microsoft software packages (Word, Excel, PowerPoint, etc.).

**Education/ Qualifications**
- Bachelor Degree in Banking, Finance, Economics, Business Administration.

Our values define the working environment we strive to create - diverse, supportive and welcoming of different views. We embrace a culture reflecting a variety of perspectives, insights and backgrounds to drive innovation. We build talented and diverse teams to drive business results and encourage our people to develop

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