Review Highlights
Cập nhật 26/02/2025
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Role Purpose:
- Own and govern the bank's collateral risk framework across retail and wholesale lending, ensuring collateral policies are sound, up-to-date, and effectively translate market realities into practical risk controls.
- Translate collateral risk appetite and market signals into clear policies covering acceptance criteria, valuation methodology, LTV standards, and appraisal authority — while collaborating closely with Credit Policy, Appraisal, and Collections to build a comprehensive and consistent approach to collateral-backed lending.
- This role is expected to take a proactive, analytical view of collateral risk and actively drive improvements to the collateral framework as markets and portfolios evolve.
Key Responsibilities:
1. Collateral Appetite & Acceptance Policy
- Define and maintain the bank's collateral acceptance framework — what types the bank will and will not accept as security
- Establish and periodically review criteria for eligible vs. ineligible collateral, including specific exclusions or restrictions by product, customer segment, or risk tier
- Ensure collateral policies are clearly documented, practical to implement at origination, and consistently applied across channels
2. Collateral Ranking & LTV Policy
- Develop and maintain the collateral ranking methodology, reflecting relative quality, liquidity, and enforceability of different collateral types
- Set and review Loan-to-Value (LTV) policies anchored to collateral ranking tiers, ensuring they appropriately reflect market risk and portfolio objectives
- Conduct periodic LTV reviews triggered by market movements, portfolio performance, or regulatory changes
3. Appraisal Governance
- Define appraisal authority frameworks — which unit (internal appraisal, external vendor, or branch) has authority to appraise depending on collateral type, loan size, and purpose of appraisal
- Work with the Appraisal team to develop and improve appraisal methodologies for different collateral classes (real estate, vehicles, machinery, financial assets, etc.)
- Ensure appraisal standards are consistent, defensible, and aligned with market practice
4. Portfolio Performance Analysis & Policy Optimization
- Monitor collateral portfolio performance — coverage ratios, forced-sale recovery rates, collateral concentration, and delinquency by collateral type
- Identify gaps and propose policy adjustments based on observed performance (e.g., tightening LTV for underperforming collateral classes, restricting certain collateral types)
- Conduct impact analysis to assess the effectiveness of policy changes on portfolio risk and approval flow
5. Market Intelligence & Policy Translation
- Track market trends relevant to collateral values — real estate cycles, vehicle depreciation, commodity prices, regulatory changes, and macro shifts
- Translate market signals into timely policy actions (e.g., tightening LTV or acceptance criteria for asset classes facing value decline, such as internal combustion vehicles)
- Maintain a forward-looking view of collateral risk, flagging emerging concerns before they materialize in portfolio losses
6. Cross-functional Collaboration
- Work with Credit Policy to ensure collateral requirements are embedded coherently within the broader underwriting framework — so both borrower and collateral risk are assessed in a unified, consistent way
- Work with Collections to develop and implement collateral-related recovery strategies, including collateral realization processes and priorities
- Collaborate with Business and Product teams to provide risk guidance on new products or market expansions that involve collateral-backed lending
- Present collateral policy changes and recommendations to senior stakeholders and credit committees in a clear, structured manner
7. Regulatory Compliance & Governance
- Ensure collateral policies comply with SBV regulations and internal risk frameworks
- Maintain strong governance over collateral documentation — version control, approval workflows, and audit trail
- Support regulatory review and audit processes related to collateral valuation and policy
Experience:
- Minimum 3+ years in credit risk, collateral management, or a related function within banking
- Hands-on experience with credit policy, underwriting, or risk strategy
- Exposure to secured lending products (mortgage, auto, SME, or corporate lending
Technical Skills:
- Good understanding of different collateral types and their risk characteristics (real estate, vehicles, financial assets, etc.)
- Familiarity with LTV frameworks, collateral coverage analysis, and forced-sale/recovery dynamics
- Ability to interpret portfolio data and translate findings into policy rules
- Understanding of SBV regulations on collateral and secured lending
- Working knowledge of appraisal standards and valuation methodologies is a plus
Soft Skills:
- Strong analytical thinking with a practical, policy-oriented mindset
- Ability to synthesize market intelligence into actionable risk positions
- Comfortable working cross-functionally and managing multiple stakeholder relationships
- Clear communication — able to explain technical collateral concepts to non-specialist audiences
- Proactive, ownership-driven, and willing to challenge existing practices constructively
Ngân hàng thương mại cổ phần Phương Đông được thành lập ngày 10 tháng 6 năm 1996 tại Thành phố Hồ Chí Minh, Việt Nam. Hiện tại, ngân hàng có 95 Chi nhánh/Phòng Giao Dịch có mặt tại 23 tỉnh, thành phố tại Việt Nam, với đội ngũ cán bộ nhân viên hơn 2.000 người tính đến năm 2012.
OCB niêm yết trên Sở Giao dịch Chứng khoán Thành phố Hồ Chí Minh (HoSE) ngày 28/1/2021
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Các hoạt động ngoại khóa
Lịch sử thành lập
Mission
Hỗ trợ hiện thực hóa ước mơ và tham vọng của người tiêu dùng, doanh nhân và doanh nghiệp tại Việt Nam, giúp họ đạt được sự tăng trưởng, và hoài bão như kỳ vọng.
Cập nhật 26/02/2025
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Nhược điểm
Review ngân hàng OCB
Môi trường OCB tốt cho thực tập sinh
Công việc áp lực, lương thưởng cũng tạm nhưng phúc lợi không ok lắm