Credit Underwriter

JOB DESCRIPTION
Perform other tasks as assigned by management/BOD
Maintain knowledge of all applicable underwriting guidelines by learning any business unit policies and/or guidelines. Provide proactive feedback on potential policy improvements.
Provides support to account executives on customer calls or site visits as needed for high value applications.
Complete loan application credit review, including credit analysis and summary of credit request and recommendations, and submit to BOD for approval as required.
Provide exemplary customer service to both internal staff and external customers by explaining credit decisions and offering alternative options when needed.
Takes ownership of the credit process, making decisions in the best interest of the customer and organization
Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit;
Conduct detailed review of financial statements, credit reports, and all other supporting documentation to ensure that credit criteria are upheld.
Coordinate with relevant departments to prevent cases of falsification.
Examine loan documentations for accuracy and completeness while working with operations and sales staff to secure all required documents.
Responsible for conducting research on borrowers and industries.
REQUIREMENT
*Qualifications and Education Requirements:
Graduated from University or higher majoring in Banking/ Finance/ Accountant/ Business Administration or other related fields.
*Preferred Skills:
Ability to use reasonable and sound judgment.
Good communication skills, including oral and written.
A keen interest in green energy or knowledge of solar energy systems is an advantage (not a prerequisite).
Analytical thinker with research proficiencies.
Strong problem- solving and decision- making skills.
Ability to work under pressure and meet strict deadlines.
Strong interpersonal and negotiation skills.
Proficient in English and Vietnamese.
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.
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.
BENEFIT
Others benefits based on current labor laws (Annual leave, social insurance)
Evaluation and salary based on performance.
Salary reviews each year.
Provision of equipment required for the role.
Full salary during probation period
13th month salary

Cập nhật gần nhất lúc: 2024-06-12 22:05:03