Key Accountabilities (1)
- Customer Insight
- Collaborate with RMs to Research/collect information, judgments, sources of potential customers (leads), competitive banking products... to help RMs understand the characteristics and needs of customer segments/sub-segments key segment is assigned.
- Collaborate with RMs to Research/collect customer information before approaching to understand the characteristics of production and business activities, organizational structure; market characteristics, needs, financial products that customers/customers group are using at other banks/credit institutions...
- Collect, analyze, evaluate information about existing customers, operations/methods/business plans, financial statements, ... to understand customers, needs, able to quantify the value brought to customers so that RMs can build, advise on business plans for customers
- Product and Pricing
- Understand and Continuously update product knowledge, features, benefits, selling points and related policies to work with RMs to propose solutions for customers: standard service products, SP packages, business programs. (CTKD) includes deposit, credit, service, trade finance, foreign exchange, derivative products, and other products for MM v USME customers in accordance with TCB's regulations from time to time.
- Actively participate in building products, solutions and pricing policies for customers with Head Office departments.
- Sale and Service
3.1. Support for RMs in establishing and developing relationships with new and existing business customers.
- Guide customers to provide documents, print and prepare relevant documents before, during and after meeting with customers
- Assist in booking appointments and arranging meetings with customers
- Support contact with related product consulting departments to help RMs complete and deploy the solution to customers
- Collecting documents of customer
- Make a proposal for products/solutions and pricing policies for customers
- Together with RMs to propose financial solutions for customers.
- Make a plan to monitor credit limit for renewal and coordinate with related departments to determine priority level for each customer.
3.2. Customer care
- Implement quality commitments (TATs / SLAs) of positions in the process to increase customer experience and satisfaction at TCB.
- Collect customer feedback in the portfolio and urge, track the processing process, and reflect to RMs to promptly solve problems.
- Evaluate and propose improvement solutions to increase customer experience and satisfaction at TCB
Key Accountabilities (2)
4.1 Credit Risk Management
- Collecting records, documents; checking, monitoring and updating relevant information about the Customer, the customer's business situation... in order to serve the management, post-monitoring and customer care
- Prepare credit appraisal report, agree with RMs to give suggestions for credit extension with the the simple credit profile
- Conduct post-credit supervision according to regulations.
- Actively conduct actual appraisal of customers, monitor business activities, analyze reports, detect early warning signs of risks to help RMs be proactive in effectively managing customers
- Identify early warning signs, manage debt collection process, debt reminder for customers, handle bad debts arising and follow the instructions / risk handling directions.
4.2 Operation risk management
- Understand, implement, interpret, apply and adhere to the regulations on operational risk management
- Proactively identify, evaluate operational risks and make recommend the solutions to your line manager/head office
Key Accountabilities (3)
- Operation
- Conduct operating tasks according to regulations, absolutely comply with regulations, processes, instructions ... related.
- Understand and properly execute operating procedures (including forms) of products for SME customers.
- Proficient use of tools and programs in operation (T24, ECM, BPM, BCDE ...)
- Process the get new v manage of assets, limits, activate credit conditions, periodically review credit conditions appendix ... according to regulations
- Manage documents (legal documents, loan documents, property assets ...) and customer information on the system according to regulations from time to time
- Proactively evaluate/recommend operational process improvement to direct management/HO
- Organization and personnel
- Develop yourself to fulfill your role and adapt to work-related change
- Closely cooperating with related positions, towards the common goal of the unit and the bank.
- Effective management
- Support RMs to manage credit quality of assigned customer portfolio according to the instructions and regulations of TCB.
- Strictly manage the performance results of the targets compared with the assigned target.
- Other jobs
- According to the direction/request of the bank or as assigned by the direct leadership from time to time
Success Profile - Qualification and Experiences
Degree: University degree. Specialization in Foreign Trade / Economy / Finance / Banking is preferred
Experience: Minimum 5 years in the field of sales / sales support for corporate customers.
English : At the request of the Bank from time to time
