Senior Expert, Retail & Small Business Banking Credit Risk Approval

Implement the tasks of Retail & Small Business Banking Credit Risk Approval team on the basis of understanding customers by segment, offering optimal financial solutions to increase customer experience, balance benefits and risks of the Customer and the Bank, in line with the Bank's credit orientation

Key Accountabilities (1)

General Accountabilities:

- Comply with the Bank's Labor Regulations

- Comply with regulations of Techcombank and State Bank.

- Participate in training programs, perform other tasks as required by leaders.

Key Accountabilities (2)

Professional Accountabilities

- Approve credit proposals in accordance with the legal and regulations of the bank.

- Balance the benefits and risks of the Customer and the Bank

- Researching credit applications and questioning departments related to these's about unclear, contradictory and unreasonable contents.

- Express your agreement or disagreement with specific credit conditions, issue mitigations to reduce risks.

- Take personal responsibility for your approved comments.

- Coordinate and contribute in building risk appetite, developing and adjusting customer-related policies in the retail banking segment.

- Contribute to building a strong risk management culture throughout the system through daily interactions with other business Dept, other Dept.

- Participate in consulting business departments to come up with a suitable financial solution structure for CUSTOMERS

- Participate in credit committees at the request of the Administrative Council, General Director, Director of Risk Management Division and Chairman of Credit Council.

- Coordinate with business units and other departments in the Risk Management Division to ensure that credit policies and regulations are fully understood and uniformly applied throughout the system.

- Support the training of appraisal skills, credit analysis skills.

Key Accountabilities (3)

Other Accountabilities:

- Other tasks assigned by direct managers and upper management.

Key Relationships - Direct Manager

Senior Manager, Retail & Small Business Banking Credit Risk Underwriting

Key Relationships - Direct Reports

N/A

Key Relationships - Internal Stakeholders

Divisions in the bank (Risk, RBG, CSA, BB, CA,…)

Key Relationships - External Stakeholders

Customer, Associations, state management agencies

- Degree/Professional: University graduate or above majoring in economics/finance/banking/statistics

- Experience: 10 years in the banking industry. Minimum 06 years of experience in appraisal/re-appraisal/credit approval/loan management at credit institutions

- Minimum TOEIC 650 or equivalent