Credit Supervisor
Position Summary Expectations - Duties, Responsibilities
Reporting Line: Credit Manager
Location: Head Office
- Initiate and develop strategy, set target clients and loan disbursement plan to team members;
- Set plan and promotion activities to team members and strengthening connection with partners;
- Re-assessing loan application including business, financial capacity and collateral and valuation before submit to manager and committee;
- Write up and verbal recommendations on each loan proposal to manager and committee;
- Providing training or coaching to credit officers and involved officers regarding to internal policies, guideline, and regulation;
- Conducting market research from other Bank or MFIs related to loan products, terms and condition in order to amend our internal products condition and ensure of effective competition. Research and keep management updated the property market price and trend;
- Take part with Credit officers in explaining and educating the loan applicants about the Credit policy and procedure in a way that the loan applicants are aware about loan including principal, interest, and fee shall be repaid regularly according to the schedule in the loan contract;
- Advise or recommend to Credit officers to be aware and take responsibilities to monitor the situation of the borrowers and properties mortgaged;
- Train team members on how to inspect and analyze of loan applicants base on 5Cs in order to ensure that such borrowers are truly qualified for loan, as stated in the loan policy, and that they can perform all requirements for loan security;
- Other duties as assigned by credit manager.
- Female or male;
- Bachelor or Master Degree in business administration, Banking, Finance, Marketing or related filed;
- Minimum 5 years’ related experience with Bank or MFIs.
- Required experience for hunting and processing large loan (Corporate, Business, SME, and Micro loan).
- Good understanding for credit analysis and result oriented.
- Good at collaterals evaluation and legal process.
- Good judgment and decision-making skills;
- Excellent communication and Interpersonal skills;
- Good analytical, mathematical, and problem-solving skills;
- Computer Literacy
- Team work and can work under pressure.
Credit, Senior Officer
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Prospects new clients and assists them for loan application;
- Plan and execute promotion activities to meet target plan;
- Analyze and interpret financial statements of the business in order to access the repayment capacity and financial soundness of the borrower;
- Conducts loan assessment, collects detailed information, evaluation collaterals, and recover loan overdue.
- Prepares and submit loan contracts and application to CS and CM and arrange for disbursement of loan in kind;
- Have good knowledge about guideline of regulatory body and able to prepare loan reports for internal and external use;
- Monitors the loan and follows up of the timely repayment;
- Maintains contact and maintain good relationship with client;
- Ensure full compliance with all in place of policies and procedures and with audit recommendations.
- Handle customer complaints
- Analyze potential loan markets and develop referral networks in order to locate prospects of loans.
- Other task assign by Credit Supervisor.
- Female or Male;
- Bachelor or Master’s degree in Banking and Finance, Business Administration, and other.
- Minimum 2 year experiences as credit function with MDIs, MFIs or Bank (Prefer from Bank).
- Experience for hunting and processing loan (Corporate, Business, SME, and Micro loan).
- Good understanding of credit analysis and result oriented.
- Good at collaterals evaluation and legal process.
- Good in Microsoft Office.
- Good communication and interpersonal skill.
- Good at English language proficiency.
