Tuyển dụng Credit Analyst tại Hồ Chí Minh

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CREDIT ANALYST

Location: Hoa Hung Ward (previously District 10), Ho Chi Minh City, Vietnam.

Industry: Banking and Financial Services.

Job Type: Permanent, Full Time.

Working Hours: 6:00 AM to 3:00 PM, including a 1-hour lunch break.

Salary: 15,000,000 – 22,000,000 VND per month including all social security benefits (depending on experience).

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Company Overview

LAFIN Group is a leading Australian-based company specializing in Home Loan and Property Investment Consultation. We provide more than just mortgage solutions; we offer personalized support, a wealth of industry expertise, and access to a range of financial services to help turn your goals into reality. Join our Vietnam Division team and be part of a dynamic environment focused on client success.

Position Summary

As a Credit Analyst at LAFIN Group, you will play a key role in assessing, structuring, and managing loan applications across both home loans and commercial loans. This position requires strong analytical skills, close attention to detail, and the ability to manage applications from initial assessment through to settlement while working closely with brokers, clients, and third parties.

Key Responsibilities

1. Financial Analysis & Credit Assessment

Conduct financial statement analysis and assess credit applications for new loans, refinancing, and due diligence.

Assess credit risks and prepare clear recommendations for clients.

Review client financial information and supporting documents to ensure applications are complete and accurate.

2. Application Structuring & Lender Requirements

Work with brokers to structure applications to meet lender requirements.

Check lender policies and guidelines to ensure applications are compliant and appropriately positioned.

Identify potential issues or gaps in applications and recommend practical solutions.

3. Client & Stakeholder Communication

Communicate with clients, real estate agents, and solicitors to obtain clarification and finalise applications.

Follow up with clients for outstanding information, clarifications, and recommendations.

Maintain clear and professional written and verbal communication throughout the application process.

4. Application Management & Settlement

Manage loan applications from submission to settlement to ensure smooth outcomes.

Coordinate with third parties and internal support teams to progress applications efficiently.

Escalate complex matters or issues to brokers, managers, or senior team members when required.

Daily Tasks Include

Verifying documents such as bank statements, payslips, and identification.

Checking lender policies to ensure compliance.

Managing applications through the entire process until settlement.

Following up with clients for clarifications and recommendations.

Coordinating with third parties to finalise applications.

Working with the support team to ensure efficient loan processing.

What We Offer

Competitive salary and growth opportunities.

Commission on settled applications after 8 to 12 months.

Supportive work culture and the opportunity to work with an experienced team in an international environment.

Flexible work arrangement and 13th-month salary.

Working hours: 6:00 AM to 3:00 PM, including a 1-hour lunch break.

Yêu cầu công việc

Requirements and Qualifications

General Experience: At least 2 years of professional working experience, including a minimum of 1–2 years of experience in banking, finance, accounting, mortgage lending, or other relevant professions.

Education: Bachelor’s degree in Finance, Accounting, or Commerce from a reputable university.

English Language Skills: Excellent written and spoken English (minimum IELTS 7.0 in all bands, or an equivalent English language qualification).

Vietnamese Language Skills: Strong written and spoken Vietnamese.

Communication & Customer Service: Good communication skills and strong customer service skills.

Professional Writing: Ability to write clear and professional emails.

Organisation: Strong organisational skills, able to manage multiple files and deadlines.

Analytical & Problem-Solving Skills: Analytical thinking, problem-solving, and meticulous attention to detail when reviewing client documents.

Technical Skills: Good computer skills and experience with office software.

Work Environment: Ability to work under pressure in a busy environment.

International Experience: Experience in an overseas or English-speaking environment is preferred but not required.

Quyền lợi

• Thưởng:
  - 13th month salary payment
  - Commission on settled applications (after 8 to 12 months)
  - Competitive salary with performance-based incentives
• Chăm sóc sức khoẻ: Annual health checkup provided to ensure employee well-being.
• Nghỉ phép có lương:
  - 12 days full paid/year