Tuyet Nguyen
Lincoln,Lincolnshire
Summary
Experienced Banker with over 10 years in the Banking industry. Excellent reputation for resolving problems and improving customer satisfaction. Offers flexible schedule to deliver on team goals. Demonstrates exceptional communication and teamwork abilities, ensuring effective customer service and efficient time management. Adept at processing and analysing data, with a career goal to leverage these skills in a dynamic environment to drive data-driven decision-making.
Overview
11
11
years of professional experience
5
5
years of post-secondary education
Work history
Expert - Corporate and Commercial Credit Risk Appraisal
TECHNOLOGICAL AND COMMERCIAL BANK (TECHCOMBANK)
01.2022 - 01.2024
- Evaluated both current and historical data to assess the overall performance of one large corporation per week - totaling 50 per year - by analyzing the balance sheet, statement of profits and loss, cash flow, financial ratios (including profitability, liquidity, leverage, efficiency ratios), the company’s credit history, and the stability of its leadership team.
- Identified key assumptions and main drivers for building financial modellings based on growth rates, interest rates, inflation rates, market conditions (including material, oil, and gas prices), and internal company changes.
- Periodically collected customers’ financial statements (every six months) to assess overall performance, identify potential risks and evaluate their ability to repay maturing debts. Developed financial models incorporating updated financial statements and market information to support informed decision-making.
- Regularly communicated with customers to deeply understand their needs and provide the best financial solutions.
- Visited factories and manufacturing sites to interview customers and gather information on their operations and financial status.
- Researched the industry to assess product quality, technology, market trends, financial statements and ratios, guarantor quality, credit risk, and industry risk to support credit proposals.
- Prepared credit reports covering business operations, legal information, financial performance, competitor analysis, strengths and weaknesses, and customer benefits of lending.
Senior officer - Corporate and Commercial Credit Risk Appraisal
TECHNOLOGICAL AND COMMERCIAL BANK (TECHCOMBANK)
03.2018 - 01.2021
Internal control
VIETNAM INTERNATIONAL COMMERCIAL BANK
07.2016 - 02.2018
- Reviewed credit conditions and loan applications to ensure compliance with policies and credit authority approvals.
- Researched market trends, industry risks, and credit risks to mitigate potential threats to the bank.
- Reviewed the operations of customers at risk of insolvency by analyzing financial statements, studying market trends, and recommending strategies to mitigate losses for the bank.
- Contributed to the development of new documents and procedures by providing input and insights.
Officer - Corporate and Commercial Credit Risk Appraisal
TECHNOLOGICAL AND COMMERCIAL BANK (TECHCOMBANK)
01.2013 - 08.2014
Education
Master of Science - Accounting and Finance
University of Lincoln
Lincoln, England 01.2024 - 02.2025
Bachelor of Science - Economics
National University
Ho Chi Minh, Vietnam 09.2001 - 09.2005
Skills
- Microsoft Excel – Advanced
- Statistical Package for the Social Science (SPSS)
- Microsoft - PowerPoint
- Microsoft - Outlook
- Processing and analysis of data
- Strong Analytical and investigative skills
- Customer service
- Time management
- Teamwork
- Communication skills
Additional Information
References available on request.
Timeline
Master of Science - Accounting and Finance
University of Lincoln
01.2024 - 02.2025
Expert - Corporate and Commercial Credit Risk Appraisal
TECHNOLOGICAL AND COMMERCIAL BANK (TECHCOMBANK)
01.2022 - 01.2024
Senior officer - Corporate and Commercial Credit Risk Appraisal
TECHNOLOGICAL AND COMMERCIAL BANK (TECHCOMBANK)
03.2018 - 01.2021
Internal control
VIETNAM INTERNATIONAL COMMERCIAL BANK
07.2016 - 02.2018
Officer - Corporate and Commercial Credit Risk Appraisal
TECHNOLOGICAL AND COMMERCIAL BANK (TECHCOMBANK)
01.2013 - 08.2014
Bachelor of Science - Economics
National University
09.2001 - 09.2005
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