Credit Appraisal Officer

3 weeks ago

Hanoi, Vietnam Standard Chartered Full time

**Job**: Operations

**Primary Location**: Asia-Vietnam-Hanoi

**Schedule**: Full-time

**Employee Status**: Permanent

**Posting Date**: 21/Feb/2024, 5:10:20 AM

**Unposting Date**: Ongoing

**Role Responsibilities**
- Validate information / documents submitted by customers for credit decision purpose;
- Access to customer data including credit information from credit bureau for purpose of credit analysis;
- Ensure that the credit information obtained for credit analysis shall not be released to other;
- Support to ensure compliance of all lending activities within credit policy and service standards;
- Support, control and monitor the productivity and turnaround time;
- Understand credit related workflow;
- Provide inputs and recommendation on credit issues for improving credit quality, credit policy, risks control and service level.

Business
- Understand and align with the business direction of CPBB.

Processes
- Understand the credit process and ensure the adherence with relevant policies & procedures.

People & Talent
- Attend all required training to ensure possession of skills and techniques that meet the role requirement.

Risk Management
- Identifying, assessing, monitoring, controlling and mitigating risks related to daily operation.

Regulatory & Business Conduct
- Display exemplary conduct and live by the Group’s Values and Code of Conduct.
- Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
- Lead the [country / business unit / function/[team] to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.]
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders
- Regular Contacts (written, verbal & face-to-face)

Internal
- Approver(s) in Credit Initiation
- Branch Staffs, Direct Banking and Sales Staff.
- Fraud Risk Management
- Retail Lending Operations
- Sales Coordinator
- Credit Risk Management
- Products

External
- Customers and related individuals/entities

QUALIFICATIONS*

TRAINING, LICENSES, MEMBERSHIPS AND CERTIFICATIONS
- Bachelor Degree (Banking, Economics, Foreign Trade, Commerce)
- Good understanding of accounting standards, financial analysis
- English proficiency (written & communication)
- 2 - 3 years experience in credit evaluation/ risk management
- Experience in individual & corporate lending
- Analytical Thinking
- Process Improvement
- Regulatory Environment - Financial Services
- Risk Management
- Standard Operating Procedures

**About Standard Chartered**

We're an international bank, nimble enough to act, big enough for impact. For more than 160 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we:

- **Do the right thing** and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
- **Never settle,** continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
- **Be better together,** we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

**In line with our Fair Pay Charter,** we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
- **Core bank funding for retirement savings, medical and life insurance,** with flexible and voluntary benefits available in some locations
- **Time-off** including annual, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum
- **Flexible working** options based around home and office locations, with flexible working patterns
- **Proactive wellbeing support** through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help too

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