The job holder approve credit applications of customers in all segments, priority in WB segment.

1. Function 1:
- Perform the role of approving credit applications according to the delegated authorities.
- Perform the role of member or chair of credit committees as assigned.
Responsibility:
- Carry out customer assessments and credit applications under their competence. Give consent, supplement the conditions (if deemed necessary), or disagree with the credit proposal and have the responsibility to explain those conditions when recommended.
- Comply with the current regulations of Techcombank, the SBV and other executive agencies when exercising their powers and responsibilities. Take personal responsibility for your approval opinions. Ensure time compliance and clarity to approval opinions.
- It is the responsibility to notify the Board of Directors/ CEO, the secretary of the Councils/ Committees managing banking activities related to transactions under their competence for approval.
- Proactively identify and warn potential risks, manage operational risks of approval, coordinate with relevant units in assessing and minimizing risks.
Rights:
- Be entitled to request relevant and necessary information for your decision-making, or to request to participate in meeting and appraising customers directly related to the content of approval.
- Access to internal management information in accordance with TCB's regulations.
- Receive regular, unscheduled reports... about and of professional operations departments directly and indirectly related to transactions under the approval competence.
- To attend or propose to attend training programs suitable to the assigned tasks at home and abroad in order to improve qualifications and learn experiences.
- Have the right to give independent opinions, evaluate and comment on the quality of credit submissions, capacity and capabilities of relevant officials.

- Advising/ contributing to the development of Risk Management policies, regulations / processes / guidelines, business programs, related products.
- Participating in projects, CST, working group when assigned.

- Participate in training programs or coordinate with other units in the bank to participate in training, sharing and advising customer management units on customer appraisal.
- Participate in activities and programs to build and promote the organizational culture in the unit in accordance with the general regulations of the bank from time to time.
- Perform other tasks as assigned by the leader.

- Degree/Professional: University graduate or above majoring in economics/finance/banking.
- Minimum 13+ years experience in credit approval, credit (re)appraisal, credit analysis, credit control
- Minimum TOEIC 700 or equivalent