Credit Underwriter
6 months ago
Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit;
- Examine loan documentations for accuracy and completeness while working with operations and sales staff to secure all required documents.
- Conduct detailed review of financial statements, credit reports, and all other supporting documentation to ensure that credit criteria are upheld.
- Provide exemplary customer service to both internal staff and external customers by explaining credit decisions and offering alternative options when needed.
- Maintain knowledge of all applicable underwriting guidelines by learning any business unit policies and/or guidelines. Provide proactive feedback on potential policy improvements.
- Responsible for conducting research on borrowers and industries.
- Takes ownership of the credit process, making decisions in the best interest of the customer and organization
- Coordinate with relevant departments to prevent cases of falsification.
- Perform other tasks as assigned by management/BOD
- *Qualifications and Education Requirements:
Graduated from University or higher majoring in Banking/ Finance/ Accountant/ Business Administration or other related fields.
*Preferred Skills:
- Minimum 3 years of experience working at a bank/financial institutions in the field of credit appraisal/approvals with specific experience in retail and/or SME segments.
- Analytical thinker with research proficiencies.
- Ability to use reasonable and sound judgment.
- Strong problem-solving and decision-making skills.
- Ability to work under pressure and meet strict deadlines.
- Strong interpersonal and negotiation skills.
- Good communication skills, including oral and written.
- Ability to conduct research into borrowers and industries to be abreast with factors that may affect profitability and the borrower’s ability to repay loans.
- Proficient in English and Vietnamese.
- A keen interest in green energy or knowledge of solar energy systems is an advantage (not a prerequisite).
Loại hình công việc: Toàn thời gian
Mục lương: 15.000.000₫ - 25.000.000₫ một tháng
Kinh nghiệm làm việc:
- thẩm định: 3 năm (Ưu tiên)
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