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← Ngân hàng TNHH MTV Industrial Bank of Korea (Việt Nam)

Credit Appraisal - Thẩm định Tín dụng

Ngân hàng TNHH MTV Industrial Bank of Korea (Việt Nam) · Hà Nội
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Loại hình
Toàn thời gian
Hình thức
Tại văn phòng
Cấp bậc
Nhân viên
Ngành nghề
Tài chính / Ngân hàng
Mức lương
Thương lượng
Địa điểm
Hà Nội, Hà Nội, Hà Nội

Tổng quan

  • Credit Assessment and Appraisal
  • Conduct or support independent credit assessments in accordance with the Bank’s credit policies, procedures and delegated authorities.
  • Collect, review and organize credit proposals, borrower information and supporting documents.
  • Assess the purpose of financing, proposed credit structure, repayment capacity and key credit risks.
  • Prepare, review and enhance credit appraisal reports, analytical templates and summary materials for the relevant approval authority.
  • Financial and Cash Flow Analysis
  • Analyze customers’ financial statements, transaction records, financial performance and key financial ratios.
  • Review cash flow projections, sources of repayment, debt-servicing capacity and liquidity position.
  • Identify significant financial trends, weaknesses and potential risks affecting the customer’s repayment ability.
  • Provide clear analysis and credit recommendations based on the customer’s financial position and repayment capacity.
  • Industry and External Risk Analysis
  • Collect and analyze relevant industry information, market trends and macroeconomic developments.
  • Assess industry-specific risks and external factors that may affect the customer’s business performance and repayment capacity.
  • Incorporate relevant industry and market considerations into credit appraisal reports and recommendations.
  • Collateral and Legal Documentation Review
  • Review collateral documentation, valuation reports and relevant legal documents to assess completeness, validity and consistency with the proposed or approved credit structure.
  • Identify potential issues relating to collateral ownership, valuation, enforceability and documentation.
  • Ensure that collateral-related conditions and requirements are properly reflected in the credit appraisal process.
  • Policy and Regulatory Compliance
  • Work closely with external consultants and relevant internal departments to develop and establish the Bank’s credit appraisal policies, procedures, assessment criteria and approval framework.
  • Contribute to the development of credit appraisal templates, guidelines, checklists and internal control mechanisms to support consistent and effective implementation.
  • Review and update credit appraisal policies and procedures in response to regulatory developments, operational requirements and identified risks.

Quyền lợi

  • Make an Impact — Turn your ideas into practical solutions and meaningful results.
  • Build a Long-Term Career — Grow with IBK Vietnam as the Bank expands its business.
  • ,• Develop Your Expertise — Learn through challenging assignments and cross-functional collaboration.
  • ,• Work in a Collaborative Environment — Work with Vietnamese and Korean colleagues in a supportive team.
  • ,• Be Part of an International Banking Group — Work in a professional, multicultural environment with IBK’s global network.
  • Grow with a Newly Established Bank — Help build IBK Vietnam and shape its growth from an early stage.

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