Adecco Việt Nam ★ 3.0

Job Summary

Adecco's client, a well-respected leading financial institution in Vietnam is actively looking for talents to fill in the opening of Head of FDI & FI Credit Re-Appraisal, who will perform re-appraisal tasks for credit extensions to FDI & FI and other segments as stipulated

Job Responsibilities

Responsibilities

As the Head of FDI & FI Credit Re-Appraisal, you will report to Deputy CEO, Credit Division and be responsible for the following:

Planning & Directing

• Establish plans for the FDI&FI Division; KPI plans, operational targets for the Division.
• Collaborate with relevant units/take lead in establishing mechanisms, policies, processes, and regulations related to FDI&FI re-appraisal activities.
• Establish the Division's operating budget plan.
• Ensure Division operational plan and KPIs implemented on schedule.
• Specialized Implementation
• Receive files on the system then assign to re-appraisal officers (in case of no TL/DHTL)
  
  

On-site Client Review

• Direct client interactions/site visits to factories/warehouses...based on document value and complexity level per regulations of the Credit Management Division and at different times.
• Preliminary assessment of client's business operations, factories.
• Gather additional relevant information during the review process.
• Provide opinion on whether on-site review aligns with submitted documents.
• Identify and assess risk levels during the review process.
  
  

Review on documents provided by Business Unit.

• Assess logicality of financial figures to conclude on reliability of client's provided reports per standards.
• Provide conclusion on future trend projections.
• Reference previously approved credit terms for similar clients.
• Reference relevant regulatory documents from laws to provide appropriate proposals.
• Proactively discuss with relevant employees/divisions to gain more insights, provide clear and reasonable guidance on supplementing necessary documents.
• Analyze and synthesize data to provide risk perspective opinions while aligning with the bank's business orientation. Regularly provide reasonable assessments and proposals to advise appraisal authorities.
  
  

Control Re-appraisal Reports.

• Verify that proposed conditions align with client's business situation and bank's risk appetite and/or finalize re-appraisal report.
• Supplement conditions to control risks for each re-appraisal report before submitting to CCs/COs
  
  

Provide feedback to business units on re-appraisal perspectives in re-appraisal reports.

• Consolidate assessment opinions between business units and re-appraisal, provide clear perspectives, control and submit for appraisal signatures.
• Provide final opinion in case of disagreement between business units and Credit
  
  

Control Re-appraisal Reports.

• Verify that proposed conditions align with client's business situation and bank's risk appetite and/or finalize re-appraisal report.
• Perform final control.
• Supplement conditions to control risks for each re-appraisal report before submitting to
• CCs/COs
  
  

Provide feedback to business units on re-appraisal perspectives in re-appraisal reports.

• Consolidate assessment opinions between business units and re-appraisal, provide clear perspectives, control and submit for appraisal signatures.
• Provide final opinion.
• Provide final opinion in case of disagreement between business units and Credit
  
  

Defend opinions at Credit Committees/COs: Supplement arguments, evidence to defend appropriate perspectives

Finalize Credit Committees Resolution For Submission By Secretary

• Verify Resolution content and initial before sending to secretary for signatures of Credit
• Committees (in case of no Credit Controller/ Credit Specialist).
• Resolution issued by CC secretary accurately reflects appraisal spirit of CC members at the
• meeting.
  
  

Coordinate with CPCs and related units to address/resolve issues for Resolution implementation:

• Address/resolve issues in implementing Resolutions for cases where related units disagree with Credit Controller/ Credit Specialist feedback in case of no Credit Controller/ Credit Specialist role
• Timely resolve issues for operational units to meet processing timelines for business units
  
  

Outcome

• Re-appraisal report content fully reflects business situation, financial position, risks and suggestions/recommendations to mitigate credit risk aligning with the bank's risk appetite;
• Debate and propose additional conditions to CCs/COs to protect appropriate perspectives, ensure safety and development.
  
  

Process/Documentation Improvement

People Management & Team Development

Experience

Experience requirements

• At least 12 years of experience in bank credit.
• Over 10 years of managerial experience in finance and banking, particularly in credit appraisal/appraisal for FDI/FI/multinational corporate customers
• Experience in managing a team of 10 or more
  
  

Skills

• English proficiency in communication, reading and writing skills for work
• Knowledge of finance, accounting, credit, FI and FDI sectors
• Ability to analyze and assess complex financial statements, understand accounting practices; skills to synthesize and analyze information to provide appropriate management requirements for each type of FDI/FI customer
• In-depth understanding of the bank's credit operations.
• Thorough knowledge of legal regulations related to credit.
• Basic understanding of common business activities of customers in the economy
• Human resource management
• Strategic vision aligned with development (according to the core competency framework - Strategic Orientation
  
  

Education requirements

• University degree or above in banking & finance, economics or related fields
  
  

Please click on the APPLY BUTTON or contact our consultant – Ms. Bao Linh for further information: +84 346200859 or email: [email protected]

Contact Person

• Linh Le Bao
• Adecco