Experience

Orient Commercial Joint Stock Bank (OCB)

• Banking
• 1 - 100 Employee

• Credit Specialist

  • Apr 2014 - Present

  1. Responsibilities: Achieving the assigned sales target - Analyzing customers’ financial status and credit; making property evaluations to present proposals to the Authorities for granting loans;- Selling banc-assurance to potential clients;- Following up clients' progress by phone and in person; support them in all related cases including taking responsibility for risk arising from loans: analyze, review, classify and assess the status of overdue payments based on internal guidelines, The State Bank of Vietnam and Vietnamese laws; collecting bad loans by coordinating smoothly with the Legal/Risk Department and collecting evidence in preparation for filing against delinquent clients at the Local People’s Court.2. Achievements: working knowledge of specialized products, systems and services:- Successfully satisfying the demands and needs of well over 70 clients; including “difficult” customers;- Attaining monthly bonuses in reward for high sales and successful credit card marketing.3. Experience gained:- Capability of communicating at all levels;- Good background in credit assessment and experience in collections.

• DEBT MANAGEMENT EXECUTIVE

  • Mar 2013 - Apr 2014

  1. Responsibilities:- To analyze, classify and assess the status of overdue payments; coordinate system, and control activities related to minimize bad debt in an assigned area of responsibility;- To guide and supervise the branches in the area of responsibility in monitoring, managing and collecting delinquent loans;- To highlight areas of high risk and propose solutions to minimize bad debts.2. Achievements:- Took a central role in successfully improving one of our operation procedures;- Supported numerous branches in their demands (reducing bad loans and developingbusiness relationships with clients to increase the bank’s profits).3. Experience gained:- Cooperating smoothly with all related departments;- Maintaining and developing strong interpersonal communication and persuasion skills.