Officer, Credit Solution Management - SME
Objective
Credit appraisal, post-credit supervision, risk management, debt collection monitoring and service quality management, etc or customer / group of customer assigned to manage to achieve the planned objectives assigned.
Key accountabilities (1)
1. Customer Insight
Collect / research information to understand characteristics, needs, markets, competitive banking products ... of MSME customer segments, SMEs / assigned focus groups
Collecting, analyzing information about existing customers, operations / methods / business plans, financial statements, ... to understand customers, evaluate, propose sponsorship plans and customer management measures.
2. Product and Pricing
Understand products, solutions and pricing policies for customers
Coordinate with RM to propose pricing policies and suitable products to advise customers
Proposing and participating in building products, solutions and pricing policies for customers with departments at Head Office.
3. Sale and Service
3.1. Coordinate with RM in establishing and developing relationships with new and existing business customers.
Coordinate with RM to prepare related documents before, during and after meeting with customers
Collecting documents of customer
Make reports to propose products / solutions, price policies for customers
Other related task
3.2. Customer care
Implement quality commitments (TATs / SLAs) of positions in the process to increase customer experience and satisfaction at TCB.
The focal point synthesizes customer feedback in the portfolio and urges and tracks the processing process, and reports back to RM to promptly solve problems.
4. Risk Management
4.1 Credit Risk Management
Responsible for credit appraisal, coordinating with RM to physically appraise customers, complying with TCB's credit extension regulations.
Prepare a credit appraisal report, agree with RM to submit a credit proposal, and submit it to authorized authorities for approval.
Conduct post-credit supervision according to regulations.
Coordinate RM to identify early warning signs, manage debt collection process for customers, handle bad debts arising and follow the instructions / risk handling directions.
4.2 Operation risk management
Understand and implement and adhere to the regulations on operational risk management
Proactively identify operational risks and make recommendations to your line manager / head office
5. Operation
Absolutely comply with regulations, processes, instructions ... related.
Understand and properly execute operating procedures (including forms) of products for SME customers.
Proficient use of tools and programs in operation (T24, CRIB, ECM, BPM, BCDE ...)
Process the operation of assets, limits, ... According to regulations
Manage documents (legal documents, loan documents, property assets ...) and customer information on the system according to regulations from time to time
6. Organization and personnel
Develop yourself to fulfill your role and adapt to work-related change
Closely cooperating with related positions, towards the common goal of the unit and the bank.
7. Effective management
Coordinate with RM to manage credit quality of assigned customer portfolio according to the instructions and regulations of TCB.
Strictly manage the performance results of the targets compared with the assigned target.
8. Other Tasks
According to the direction / request of the bank or as assigned by the direct leaders from time to time
Key accountabilities (2)
Key accountabilities (3)
Key Relationships - Line Manager
Manager Bussiness Banking SME
Key Relationships - Subordinate
Key Relationships - Internal relationship
BB Division; Risk Management Division, GTS Division, Otps Division, CA Division, HR…
Key Relationships - External relationship
Individual customers, corporate customers, local government, competitors,…
Success Profile - Qualification and Experiences
Degree: University degree. Specialization in Foreign Trade / Economy / Finance / Banking is preferred
Experience: Minimum 2 years in the field of sales / sales support for corporate customers.
English : minimum TOEIC 550 or equivalent.