Duties:

Classifying commercial vehicle dealers based on business scale and risk status.
Implementing tailored marketing strategies.
Identifying and mitigating customer risks during contract signings or visits.
Conducting prompt asset preservation activities for overdue loans.
Analyzing financial reports of corporate customers and assessing repayment ability, profitability, and operational capability.
Identifying potential risks in commercial vehicle customers' operation industries.
Conducting detailed credit analysis covering financial, operational, collateral, shareholder, and industry aspects.
Preparing credit papers for client facility adjustments and covenant breaches.
Presenting requests to the board and Group credit committees.
Engaging continuously with clients for monitoring, identifying credit stress, and assisting in recoveries while ensuring compliance and collaborating with stakeholders to manage credit risk effectively.
Ensure compliance with rules and regulations of commercial vehicle retail business.
Stay updated on national macroeconomic and financial environments and trends in the automotive financial industry.
Familiarity with the Group's commercial vehicle products, local network layout, and operational model of commercial vehicle dealers and fleets.

Requirements:

NCA certification advantageous
Bachelor of Commerce degree in Finance, Accounting (Mandatory)
3+ years of lending or credit experience required
Sound credit analysis experience required
Commercial legal knowledge preferred
Proficiency in Microsoft Word, Excel, PowerPoint, and other common office software.

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