RESPONSIBILITIES

A. DUTIES

• Perform re-appraisal operations for credit grants of FDI customers, FI customers and other segments as prescribed in each period, including proposing consulting opinions to Credit Councils at all levels in deciding to approve credit grants in assigned segments, opinions to improve credit re-appraisal activities and develop and implement regulations and re-appraisal procedures related to FDI & FI customer segments to ensure safety for credit activities at the parent company.

B. RESPONSIBILITIES

• Set up plans for the FDI & FI department; KPI plan, operational objectives of the Department Coordinate with related units/preside over the establishment of policies, procedures and regulations related to FDI&FI customer re-appraisal activities Establish the department’s operating budget plan.

C. PROFESSIONAL DEPLOYMENT

1. Receive the documents on the software and then assign them to the re-appraisal specialists (In case there is no Controller/re-appraisal expert)

2. Actual appraisal of the customer:

• Directly discuss with the customer/on-site at the factory/warehouse… according to the value of the documents and the complexity of the documents according to the regulations of the Block Director and the parent company at different periods.
• Preliminary assessment of the business and factory operations of the customer.
• Exploit some additional relevant information during the appraisal process.
• Give an opinion on whether the actual appraisal situation is consistent with the provided documents or not.
• Detect and assess the level of risk during the appraisal process.

3. Appraisal on the documents provided by the business unit:

• Assess the logic of financial data to make an assessment of the reliability of the financial statements provided by the customer according to the standards of the parent company. Make an assessment of future fluctuations.
• Refer to the conditions that the credit council has approved for similar customers.
• Refer to relevant legal documents and the parent company to make appropriate proposals.
• Interact, coordinate well and exploit information from the business unit and assess risk issues, make appropriate proposals.
• Coordinate with employees in the department and business unit to complete the information that the business unit needs to provide or supplement documents related to the appraisal file.
• Proactively discuss with related employees/departments/blocks to find out more information, guide to supplement necessary documents in a reasonable and clear manner.
• Analyze and synthesize data to give opinions reflecting the risk perspective while meeting the business orientation of the bank. From there, regularly give reasonable opinions and proposals to advise the approval levels.

4. Review the Re-evaluation Report:

• Review the proposed conditions in accordance with the customer’s business situation and the bank’s risk appetite and/or complete the re-evaluation report.
• Review the final review.
• Add conditions to control risks for each re-evaluation report before submitting it to the credit council/credit approval expert.

5. Feedback to the business unit on the re-evaluation views in the re-evaluation report:

• Summarize the assessment opinions between the business unit and the re-evaluation, give clear opinions, sign the control and submit for approval.
• Give the final opinion.
• Give the final opinion in case the business unit and the re-evaluation expert/controller do not agree.

6. Defend opinions before the Credit Council / expert approval:

• Add additional arguments and evidence to defend appropriate viewpoints.

7. Finalize the Credit Council Resolution for the secretary to submit for signature:

• Review the content of the Resolution and initial the Resolution before sending it to the secretary to submit for signature to the Credit Council (In case there is no re-appraisal inspector/expert).

8. Coordinate with CPC and related departments to answer/resolve questions to apply the Resolution:

• Answer/resolve questions during the application of the Resolution in cases where related units do not agree with the feedback of the re-appraisal inspector/expert in case there is no title of re-appraisal inspector/expert.

9. Improve processes, documents, regulations:

Regarding documents/Processes:

• Develop/Contribute ideas to develop documents related to re-appraisal work.
• Sign and control documents before issuing documents that need to get comments from the FDI KH re-appraisal department.
• Be the focal point for credit operations related to re-appraisal activities for re-appraisal departments when assigned.
• Participate in other projects when required;
• Control the storage of department records;
• Prepare personal reports;
• Perform other tasks as directed by the Director of the block.

10. Human resource management and team development in the Department:

• Manage the time and work efficiency of department members.
• Train staff; build a promotion roadmap and support staff in the department to follow the promotion roadmap.
• Proactively lead the department’s staff to participate in the Bank’s common activities. Be a positive factor, leading and inspiring all staff within the scope of the department and block where they work.
• Coordinate staff between teams.
• Performance evaluation: Evaluate the final performance of specialists/department heads in the department and make recommendations to encourage employees such as: Salary increase/promotion.
• Participate in training for the department and related units on appraisal skills, financial analysis, and personnel recruitment.

REQUIREMENTS

1. Education:

• University degree or higher in economics.

2. Related Knowledge/ Expertise:

• Knowledge of finance, accounting, credit, FI and FDI fields.

3. Skills:

• Ability to analyze and evaluate complex structured financial statements, understand accounting operations; have the ability to synthesize and analyze information, thereby making appropriate management requirements for each type of FDI/FI customer
• Ability to interact well with related departments inside and outside the block to ensure the best coordination in work.
• In-depth understanding of the bank’s credit operations.
• Comprehensive understanding of the legal regulations and regulations of the parent company related to credit.
• Basic understanding of common business areas of general customers in the economy.
• Proficient in English.

4. Relevant experience:

• At least 12 years of experience in the banking credit sector.
• Over 10 years of management experience in the banking and finance sector, especially in the field of credit appraisal/approval for FDI/FI/multinational customer segments.

5. Required competencies:

• Decision making at work;
• Human resource management;
• Have a strategic vision in line with the development of the parent company (according to the core competency framework – Strategic orientation).