Details of the Division and Team:

Vietnam Branch Operations is looking for a Senior Officer in Loan Operations. This position is responsible for processing functions of Loan Operations which includes matters relating to credit products, loan documentation, input/control of credit limits, and liaising with other business units in connection with these tasks and is responsible for client servicing in respect of loan booking, accepting client orders, booking of funding from Treasury and processing of the Loans in Loan Booking system LS2.

The candidate must possess a functional knowledge of the daily loan operations process compliance monitoring, regulatory reporting, reconciliations, and loan documents. This will include transfer of knowledge to team members. Demonstrate ability to complete assignments in a timely manner and ensure deal management processes remain efficient & cost effective within the bank’s established internal & external standards & guidelines.

Demonstrate the capability of promoting teamwork spirit within the department in ensuring process completeness and interact with professionals from other departments in ensuring the bank’s objectives are met.

Must be able to analyze data, recognize & respond to anomalies and the ability to evaluate & accurately document & escalate processing exceptions & root cause. Strong understanding of Compliance, Audit, Regulatory & operational risk is a must.

What we will offer you:

A healthy, engaged and well-supported workforce is better equipped to do their best work and, more importantly, enjoy their lives inside and outside the workplace. That’s why we are committed to providing an environment with your development and wellbeing at its center.

You can expect:

• Insurance coverage for employees and direct family members (spouse and children)

• Good benefit in sick leave (max 6 days of sick leave per year with no document submission requirement

• Gender Neutral Parental Leave

• Flexible working arrangements

Your key responsibilities:

Risk Management and Control

• Proactively identify operational risk and develop controls to manage and mitigate risk in partnership with the business.

• Educates self about inherent operational risk to improve knowledge about industry standards, security and audit requirements. Escalates appropriately to manage risk.

• Make recommendations for process improvement. Develop awareness of strategy, predict business changes, control challenges and drive strategic direction/solutions.

• Prepare all exceptional items daily. Prepare and review Daily/Monthly/Quarterly/Yearly regional management reporting.

Documentation

• Preparing, perfecting, safekeeping, reviewing of offer letters and security documents.

• Reviewing loan supporting documents, loan applications

• Reviewing legal documents and liaising with legal counsel (offer letters and security agreements) to ensure that such documents are in line with the recommendation of internal/external legal.

• Updating of LS2, Scanning and saving documents into the electronic database (db-loandoc).

Credit Limits and Account Conditions Management

• Input, amendment, cancellation of limits in IDMS in accordance with standard limit handling procedures.

Monitoring Function

• Ensuring timely monitoring of covenants in accordance with regional procedures.

• Ensuring cash-based credits are in compliance with guidelines and conduct collateral revaluation on a regular basis.

• Monitoring compliance with local regulations related to loans, such as single/ group borrower limit, ceiling lending interest rate.

• Tracking of customers audited financial statements.

• Maintaining and updating the central customer database (TOTPORT, Group Client).

• Ensuring that incomplete documents are properly tracked and followed up.

• Ensure Daily LS2 reports for Operations control and Work in progress is monitored/reviewed, commented and signed off.

• Ensuring that all overdue items are escalated to the business and the regional operations.

• Daily review of K+/LS2 reconciliation for Cash and economics in MIS. Ensuring breaks are actioned and escalated.

• Review of daily LS2 limit reconciliation and Ledger reconciliation. Resolution and escalation where necessary

• Ensure daily transactions be processed within TAT

• Ensure any complaints from internal/ external customers is handled, followed up and escalated accordingly

Loans Funding and Client Service

• Delivering excellent client service by responding to client queries, providing rates to clients based on Cost of funds and agreed margins. Escalating issues to business immediately.

• Booking loans funding in K+ system based on client dealings and Relationship Managers advice regarding loan amount, loan tenor and loan interest.

Reporting

• Submission of regulatory reports to the State Bank of Vietnam, State Bank Inspector, Credit Information Center.

• Preparing and submitting accurate daily/ monthly / quarterly / yearly/ ad hoc reports to Regional Management and Global Head Office/ SVB/ CIC.

Audit/Controls

• Maintaining proper and sufficient audit trails.

• Resolving any outstanding audit points without delay.

• Ensuring compliance with Operational Risk Management, STARC, KOD.

• Ensuring that there are no lapses or gaps in control

Cost Control

• Maintain Cost Control in the approved budget.

Business Continuity Management (BCM)

• Assisting BCM Co-Ordinator of the department in the review of Business Recovery Plans (BRP), Walkthrough and Testing.

• Acting as alternate BCM coordinator.

Back-up Resource

• Ensuring that adequate hand-over is given for back-up staff in order to have proper operational cover during staff annual leave.

• Support business and product expansion if applicable.

Others

• Any responsibilities or tasks that may be assigned.

Your skills and experience:

• Strong interpersonal skills and a team player.

• Should possess professional qualifications.

• Should communicate clearly, have good presentation skills.

• Graduate, with minimum of 3 years of related experience

• Have the capability of driving initiatives, projects, new developments.

• Have a strong understanding of Compliance, Audit, Regulatory & operational risk, and related issues.

• Self-driven and keen on change for better mindset.

• Good competence in written and spoken English and Vietnamese communication skills.

• Possess good interpersonal skills.

• Strong skills in Microsoft software packages (Word, Excel, PowerPoint, etc.).

• Bachelor’s degree in Banking, Finance, Economics, Business Administration.

How we’ll support you:

• Flexible working to assist you balance your personal priorities

• Coaching and support from experts in your team

• A culture of continuous learning to aid progression

• A range of flexible benefits that you can tailor to suit your needs

• Training and development to help you excel in your career

About us and our teams:

Deutsche Bank is the leading German bank with strong European roots and a global network. click here to see what we do.

Deutsche Bank & Diversity

We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.

Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.

We welcome applications from all people and promote a positive, fair and inclusive work environment.