Công ty tài chính Mirae Asset (Việt Nam) ★ 2.0

Mô tả Công việc

- Be responsible for conducting comprehensive credit risk assessments for margin loan, SME loan, and corporate loan applications, including:

• Assessment/analysis of borrower status, financial ability.
• Assessment of the feasibility and legality of the loan plan/loan repayment plan of the customer.
• Analyze financial statements, industry trends, and economic conditions to evaluate borrower creditworthiness and potential risk factors.
• Appraisal of the legality and safety of collateral to secure the loans.
• Field investigation, appraisal of collateral and source of loan repayment of customers.
• Recommending loan structures with appropriate collateral requirements and risk-adjusted pricing strategies.
• Preparing an appraisal report, assessment of arising risks (if any) and make proposals before granting credit to customer.
• Comply with the requirements for the time and quality of case processing.

- Strictly comply with the Company's credit extension process and regulations and make weekly and monthly reports.

- Monitor existing loan portfolios for signs of potential default and take proactive steps to mitigate risks.

- Stay up-to-date on regulatory changes related to margin loans, SME loans, and corporate loans.

- Work closely with the compliance department to ensure adherence to all relevant regulations.

Yêu Cầu Công Việc

-  Education level, certification:

• Bachelor's degree in Finance, Banking, Risk Management, or a related field (FRM or CFA designation preferred)
• Strong analytical skills with proficiency in financial modeling and financial statement analysis.

-  Experience and ability:

• Minimum of 4+ years of experience in commercial credit appraisal (including corporate loans), risk management, credit analysis, or a related field within the financial services industry.
• Understand the regulations/credit extension process in credit institutions. Ability to participate in the development of credit regulations/processes.
• Ability to work independently and manage multiple priorities in a fast-paced environment.
• Good adaptability to the use of information technology systems.
• Ability to grasp legal issues. General understanding of the system of legal documents related to credit and financial operations.

-  Individual Characteristics:

• Strong interpersonal and teamwork skills with the ability to collaborate effectively with diverse departments.
• High teamwork spirit.
• Ability to work under high pressure and standalone base.