Director, Corporate and Commercial Credit Risk Appraisal (40000733)

Job Purpose

Organizing and administering the appraisal; Participating in developing credit policies/processes/guidelines, products and credit solutions for customers in the WB/MM/USM segment to provide credit solutions in a safe and professional manner. , ensuring that the appraisal is carried out quickly and smoothly in accordance with risk appetite, credit orientation and business orientation

Key Accountabilities (1)

Organize và manage all activities of the Appraisal Department:
- Making and implementing the department's operation plan according to the operation orientation of the Division/Block.
- Organizing and implementing appraisal work to ensure that the Department's activities comply with internal regulations.
- Organizing and arranging the work of the appraisal personnel to meet the job requirements, quality commitment in order to improve the customer experience and achieve the highest efficiency.
- Controling credit appraisal documents according to decentralization
- Recording, supporting and guiding to solve problems and difficulties in the performance of appraisal, support customer service throughout the credit granting journey

Key Accountabilities (2)

Participating in and coordinating with other relevant units in the bank to develop policies, credit products/solutions, and risk management policies within the scope of assigned management:
- Organizing/participating in, coordinating in designing knowledgeable reports, assessing risk components, guiding appraisal và credit solutions to build outstanding credit solutions for customers in the WB/MM/USME segment.
- Participating in/coordinating with relevant units to develop/propose improvements and adjustments to relevant policies, regulations, processes and guidelines in the credit granting journey

Key Accountabilities (3)

PEOPLE MANAGEMENT
- Oversee human resources planning and execution (headcount & costs) of their function/ sub- function
- Attract, onboard and retain the right talents for a high- performing team
- Establish and communicate sub- function/ function and individual KRAs/ KPIs, goals, action plan, expectations and results to reporting line
- Manage sub- function/ function performance & provide feedback regularly (following the annual performance management cycle)
- Define team’s capability requirements and enable team member’s professional and personal development through capability assessment, training, coaching & feedback, mentoring, etc.
- Motivate and recognize team members’ contributions towards the team’s shared goals
- Responsible for developing talents within the function/ sub- function
- Act as a role model and promote corporate culture at function/ sub- function level
- Understand & communicate relevant HR offerings to team members.

Key Relationships - Direct Manager

Head of Corporate and Commercial Credit Risk Appraisal

Key Relationships - Direct Reports

Senior Manager/Manager/Senior Expert/Expert Credit Appraisal

Key Relationships - Internal Stakeholders

Divisions ( WB, BB,RBG,GTS,IT,Ops,HR, CA, , KTNB,AMC,IB) and units in Risk Management Division

Key Relationships - External Stakeholders

Associations, state management agencies, businesses and individuals involved…

Success Profile - Qualification and Experiences

Degree: Bachelor’s degree or higher in Banking and Finance/Foreign Trade/Economics or related field…. (Preference will be given to those with relevant majors)
- Experience:
+ At least 12 years of experience in banking and finance and at least 7 years of management experience.
+ Extensive experience and excellent knowledge of the credit field, credit solutions for large corporate clients and credit risk management; advanced knowledge of the design, development of policies, procedures and credit products.
+ Skilled in operating, organizing and leading the unit in charge; have the ability to guide and instruct others to develop their capacity
- English proficiency according to the periodic Bank's requirements