Senior Officer, Collateral Management (40000716)

Job Purpose

The person in charge of the position is responsible for:
- Implement and controll work within the scope of expertise Collateral Policy in order to build and develop the management and supervision of collateral, contributing to the effective implementation of risk management tasks. At the same time, it provides solutions for business development in parallel with effective risk management for all types of collateral.

Key Accountabilities (1)

1. General Responsibilities
- Strictly comply with the Bank's Labor Regulations.
- Perform work in accordance with Techcombank's regulations
- Comply with the work arrangement and training of Techcombank and the Unit
2. Responsibility for human resource management and development
- Implement training programs, sharing and developing capacity and skills for members in the center in accordance with the development orientation of the department and unit;
- Participating in organizational culture activities according to the nature of departments, units and financial culture of the bank;
- Coordinate with other functional departments of the Center to build training activities and employee engagement activities at the unit.

Key Accountabilities (2)

3. Professional Responsibilities:
Responsible for performing all/part of the following tasks of the Department – depending on the tasks from time to time:
3.1. Building and administering the governance framework and the framework for enforcing the security assets of the whole system
- Implement and build the collateral management framework, including principles, pillars and indicators on collateral risk management.
- Implement the development of an implementation framework for collateral, including Regulations and Guidelines on Receiving and Managing Collateral, and Managing Outsourced Partners; Framework, criteria for understanding assets, conversion cycle of assets and collateral by Industry/Sector
- Propose solutions to the Board of Directors and Units in developing documents on collateral
- Conduct research, build and set up risk management indicators for collaterals (haircut, limit, ISV, RSV, LVA), LGD component
3.2. Join to Design orientation of collateral solution (including collateral index) for offerings of Business segments
- Propose to the approval level on the issuance/amendment/addition/replacement of documents in order to perfect the internal document system of the collateral to conform to the provisions of law and TCB regulations.
- Applying the use of collateral risk index, list of collateral to provide a basis for agreeing, refusing to open/tighten receipt, and management of collateral
- Consulting, answering, recording problems, difficulties and inadequacies in the process of implementing the Policy on Collateral Management, building the collateral component in the offering.
- Coordinate with compliance departments (Internal Audit, CA,...) to monitor and fix issues related to collateral risks (if necessary).
3.3. Setting standards of price brackets and promulgating price frame

Key Accountabilities (3)

3.4. Build a set of criteria and regulations related to assessment and control of outsourced partners providing valuation and collateral management services.
- Conduct research to develop a set of criteria and regulations related to the evaluation of partners providing valuation and management services of collateral;
- Directly implement quality monitoring, evaluation, and linkages with outsourced partners (valuation activities, management of collaterals)
- Implement warnings about risks in linking outsourced partners in valuation and management of collateral
3.5. Limit threshold management and collateral portfolio management
- Constructing and setting thresholds for the list of collaterals; portfolio management based on the criteria, the threshold of volatility of the portfolio of collateral in each period.
- Develop or coordinate with organizations inside and outside TCB to develop industry indicators, macroeconomic indicators to assess the impact on the risk index of collaterals.
- Build and establish the connection between the collateral risk index and the bank's financial/non-financial index.
- Perform analysis and management of the portfolio of collateral in order to promptly reflect market fluctuations/the portfolio of collateral and changes in the policy of collateral from time to time.
- Building a dashboard for the portfolio of collateral; Coordinating with other segments in the Risk Management Division in analyzing risk reports of collateral portfolio
- Participating in the development of volatility/behavior scenarios and tolerance thresholds of the portfolio of collaterals in order to give early warning of the risks of fixed assets/risks in the management of collaterals.
3.6 Establish a database related to collateral and develop a technology system for collateral
- Implement, collect and process, analyze data to develop policies and manage changes in collateral policy over time.
- Implement and develop the construction and management of the information database system on collateral in order to improve the quality of the collateral information system.
- Developing and deploying collateral technology solutions to manage the work of e2e
4. Other responsibilities:
- Other tasks assigned by management levels

Key Relationships - Direct Manager

Senior Management/Manager, Collateral Management

Key Relationships - Direct Reports

None

Key Relationships - Internal Stakeholders

Business divisions and supporting units in banks related to collateralized credit

Key Relationships - External Stakeholders

The subsidiaries, associated companies in receiving, managing and handling of collateral activities, State agencies, Law firms / other appraisals...

Success Profile - Qualification and Experiences

Experience:
- Expertise: At least 03 years of experience in banking/appraisal/construction/mechanical/engineering/law
Expertise:
- Understanding the TCB system: Thorough understanding of the organizational structure, organizational culture, goals/orientation of the bank
- Understanding of products/services of the unit: Deep understanding of professional fields (finance, valuation, law...) to design collateral policy products
- Understanding the rules/operating processes in the unit: Understanding the strategic direction, functions and tasks to design regulations/operating processes in the Department
Degree/Profession:
- University graduate majoring in economics/finance/banking/accounting/law/business administration, priority is given to personnel with specialized training in banking/law
- English: minimum TOEIC 550 (Band 6) or equivalent