Ngoc Thao Vy Phan

• Reappraising credit profiles to approve credit granting with no limit credit which proposed by BIDV branches.
• Putting forward measures to control and improve credit quality of branches.

Be responsible for managing, organizing and monitoring team to carry out the business plan assigned:

• Carrying out credit risk management: reappraising credit profiles included analyzing financial reports, evaluating mortgaged assets to approve credit granting with limit credit up to USD 4 million which proposed by corporate/detail banking department.
• Putting forward measures to control and improve credit quality.
• Supervising debt classifying and credit loss provision.
• Supervising operation of all departments of the branch.

Excellent accomplishment 2019 – 2021: Breakthrough results annually.

I was responsible as a Deputy Manager (Nov 2013 – Dec 2017) and Manager (Jan 2018 - April 2019) for managing, organizing and monitoring a 8-member-team to carry out the business plan assigned:

• Analyzing enterprises’ financial status, appraising their credit profiles and mortgaged assets to grant them credit facilities.
• Analyzing cost-benefit for long-term financing to enterprises’ investment projects.
• Promoting the volume of sales by developing enterprise customers and selling banking products.
• Keeping track of statistics and assembling data to report to board of directors.
• Undertaking the team in charge of Japanese customers.

Excellent accomplishment 2018: Growing 30% revenue growth compared to 2017 which accounted for over 60% of the bank’s total revenue.

Excellent accomplishment 2013 – 2017: Breakthrough results annually.

• Carrying out credit risk management: reappraising credit profiles included analyzing finance, evaluating mortgaged assets.
• Putting forward measures to control and improve credit quality.
• Supervising debt classifying and credit loss provision.

Achieved internal “Professional Proficient” Award.

• Checking credit profiles and carrying out disbursement procedure.
• Managing disbursement plan and following debt collection.

Achieved internal “Professional Proficient” Award.

• Selling banking products to enterprise and individual customers.
• Appraising customers’ financial reports and credit profiles to grant them credit facilities.

From this position, I learnt how to analyze a financial statement to know customers’ financial strength.

Achieved internal “Professional Proficient” Award.