Trách nhiệm chính

• Contribute to achieving the team’s overall target and delivering optimal portfolio risk and return within acceptable risk parameters.
• Collaborate and build effective partnerships with Relationship Managers, team leaders, product partners, segment heads, and partners in risk, compliance, and other support functions.
• Interact with clients, gather deal requirements, financial statements, and other inputs for performing quality analysis and due diligence.
• Work with RM/product partners to structure credit solutions for clients and ensure product appropriateness.
• Obtain all pre-clearances, prepare and present work-shopping notes, transaction notes, and expedite approvals.
• Manage the end-to-end BCA process using tools such as Creditmate, RMWB, Raptor, Scorecard, etc., performing in-depth analysis of various risks and ensuring fast credit approval.
• Ensure compliance with all internal and regulatory credit/portfolio policies, including preparing BCA/Regulatory checklists and other special reporting requirements.
• Coordinate and prepare for credit meetings.
• Monitor portfolio quality by tracking excess/past dues, complying with ASTAR and EAR processes, and ensuring timely submission of quarterly credit/performance reports.
• Review reports from tools such as Fraud Risk Analytics and Credit Analytics, monitor risk triggers, covenants, and other credit conditions, and report appropriately.
• Ensure zero BCA and CaRT over dues, liaise with Credit on BCA and other credit issues, and ensure quick turnaround on queries.
• Maintain credit files and ensure audit readiness at all times.
• Attend EAR/portfolio calls along with RMs and work with RMs on account management with the stressed asset team.
• Embed the use of Credit Risk Analytics and Credit Analytics Framework.
• Drive continuous improvement of operational efficiency and effectiveness of processes to increase consistency of systems and processes.
• Support the framework for effective management of operational risks across the business and compliance with applicable internal policies, external laws, and regulations at a global level.
• Support the execution of business strategy in a safe and well-controlled manner, ensuring infrastructure requirements are fit-for-growth.
• Handle customer issues, complaints, and product enquiries in accordance with established procedures.
• Prepare timely stress tests, specific industry studies, and credit opinion reports as required.
• Be prepared to perform any other activity required from the job perspective.

Yêu cầu

• University graduate.
• Minimum 6 years of relevant experience in serving business/commercial/corporate clients.
• Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations/mitigations.
• Sound product knowledge on trade, cash, lending, and FX, and strong understanding of local industries, supply/value chains, and market environment.
• Dedicated and committed team player with ability to work independently.
• Knowledge of operational procedures, documentation requirements, banking practices, and regulations related to business and commercial banking.
• Firm in all business guidelines and compliance issues.
• Sound knowledge of financial markets and investment products.
• Outstanding communication and presentation skills.

Yêu cầu ưu tiên

• Experience in servicing international businesses under a cross-border context.

Mức lương

• Thỏa thuận

Phúc lợi

• Competitive salary and benefits to support mental, physical, financial, and social wellbeing.
• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time‑off including annual leave, parental/maternity leave (20 weeks), sabbatical (12 months maximum), and volunteering leave (3 days).
• Minimum global standards for annual and public holiday, combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market‑leading digital wellbeing platform.
• Development courses for resilience and other human skills, global employee assistance programme, sick leave, mental health first‑aiders, and self‑help toolkits.
• Continuous learning culture with opportunities to reskill and upskill and access to physical, virtual, and digital learning.

Hình thức làm việc

• Làm việc tại văn phòng

Thông tin khác

• Requisition Number: 64204
• Job Location: Hanoi, VNM
• Global Grade: Band 7
• Work Type: Office Working
• Employment Type: Permanent
• Posting Start Date: 13/10/2026
• Job Summary: Contribute toward achieving team’s overall target and delivering optimal portfolio risk and return within acceptable risk parameters.