Proceed and monitor all corporate credit decision process and perform proper credit decision packages in accordance with HQ guidelines and local guidelines

[Credit guidelines] • Manage corporate credit accounts in accordance with group corporate policy • Execute close communication with HQ to improve corporate loan handling process [Credit Analysis] • Prepare corporate credit packages by analyzing Dealer and Corporate fleet customers in timely manner • Estimate proper credit line by product for corporate customers and present to management • Generate customer ratings based on corporate financials via internal credit rating systems • Support new client onboarding in line with business strategy and assess their risk measures • Coordinate with Sales team to come up with proper credit needs based on risk cost approach [Credit Process] • Prepare credit committee (Local/HQ) materials on a monthly basis • Perform reporting to HQ for corporate related documentations • Manage the periodic procurement process and contract administration for outsourcing vendor selection, ensuring timely execution and compliance with company policies. [Monitoring] • Perform quarterly monitoring and financial analysis of the customers meeting specific criteria, ensuring timely review and reporting of their financial health • Monthly monitoring on customer approval conditions [Risk Strategy & Executive Reporting] • Develop annual and 5year business plans, including credit limits, outstanding balances, and loan-loss provision • Share and align strategies through collaboration and regular communication with the HQs' Risk Division and relevant departments • Prepare and present regular and ad-hoc reports for senior management [Provisioning & Non-Performing Loan Management] • Implementation of strategic plans for PD/LGD model advancement and parameter validation • Develop and Monitor consistency of credit risk measurement and provisioning methodologies • Review the adequacy of provisions and collaborate with the Accounting Department • Develop post-default response strategies for delinquent and bankrupt borrowers • Plan to restructure and recovery strategies to minimize non-performing loans(NPL) • Assessment and adjustment of asset quality classification [Planning] • Corporate overhead cost forecast

• Proficiency in English communication is required. • Strong knowledge of financial analysis and credit assessment processes is required.

• A bachelor’s degree in Economics, Accounting, Finance, or a related field is preferred. • 8+ years of experience in credit analysis is preferred.

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