WORK PLACEMENT REPORT HOUSE BUYING LOANS AT SHB KIM LIEN BRANCH

DO ANH TUAN
CNTH-NTA7
2012-2015

Saigon Hanoi Commercial Joint Stock Bank
No 19 Luong Dinh Cua str, Dong Da dist,Ha Noi

Period of placement from Feb 18, 2015 - May 18,2015

WORK PLACEMENT REPORT
HOUSE BUYING LOANS AT SHB - KIM LIEN BRANCH

University tutors

Supervisor

Mr.Nguyen Hoang

Mr.Hoang Anh Minh

Mr.La Tien Dung


ACKNOWLEDGMENTS
I would like to express my greatest gratitude to the people who helped and supported me
throughout my work placement. I am grateful to my teachers – Mr.Nguyen Hoang and
Mr.La Tien Dung –Head of Science – External Affairs, Vietnam University of Commerce
for their continuous support for the completion of my report, from initial advice and
contacts in the early stages of conceptual inception and through ongoing advice &
encouragement until this day.
A special thank of mine to my advisors who helped me in completing the report.

I would like to thank my parents who inspired me and encouraged me to go my own way,
without whom I would be unable to complete my report on time.
Last but not least I would like to give my thanks to my friends who motivated me
throughout the work placement period

1


TABLE OF CONTEND

PART1: SOME INFORMATION ABOUT SHB AND KIM LIEN BRANCH
1.1A brief overview of SaiGon-HaNoi Joint Stock Commercial Bank

1. Overview
Name of bank: Saigon-Hanoi Commercial Joint Stock Bank
Head Office: 77 Tran Hung Dao - Hoan Kiem – Ha Noi
Establishment permit: No. 0041/NH/GP dated on November 13, 1993 by the Governor of
the State Bank of Vietnam and was officially put into operation on December 12, 1993
Business code: Business registration certificate number 0103026080 issued by Hanoi
Authority for Planning and Investment for 16th change on August 25, 2009
Charter capital: 8875 billion dongs (eight thousand eight hundred and seventy-five billion
dongs)
2.Transformation of SHB
Saigon-Hanoi Commercial Joint Stock Bank (formerly Nhon Ai Rural Joint Stock
Commercial Bank) was established on November 13, 1993 in Chau Thanh district, Can
Tho Province with an initial chartered capital of 400 million dongs and total assets of
several billion dongs. In 20 years of operation, SHB has made a breakthrough step and
reap important successes: In 2006, the Bank has implemented operating model
transformation from a Rural Joint Stock Commercial Bank to an Urban Joint Stock
Commercial Bank

In particular, in 2012 SHB successfully merged with Hanoi Building Commercial Joint
Stock Bank (HBB), make the leap in scale operation. Only a year after the merger, SHB
2


has turned many advantages at the time the merger a reality. Large capitalized bank have
sufficient resources to help fund a series of national key projects. Wide sales network and
professional personnel has boosted business activity of bank. The branches, business units
of HBB (old) has a stable personnel, profitable business, the NPL ratio decreased
Over 20 years of construction and development, SHB has achieved many outstanding
accomplishments, rose to become one of six bank with the largest scale in Vietnam with
total assets of 117,000 billion dongs, charter capital of nearly 9,000 billion dongs, total
mobilized capital reached 104,387 billion dongs, loans reached 65,487 billion dongs, more
than 2 million customers and private organizations, nearly 5,000 officials and employees
and network of 356 branches and transaction offices stretching across the country and
expanding into both neighboring countries of Cambodia, Laos (as on September 30, 2013).
SHB is the 3rd bank listed on the stock market in Hanoi with nearly 45,000 shareholders,
investors showed transparency and openness in the operation. In consecutive years the
State Bank graded SHB as Grade A, in Group I of safe operation, efficient and sustainable
growth
3.Scope of business
SHB provides a wide of business product range for individual customers and corporate
customers such as
- Current account; saving account: term and without term saving
- Loans: consumption loans, business loans
- Money transferring: Domestic, Oversea transferring services, Inward/ Outward
Remittance.
- Card services: Visa/Master card services, E-Partner debit card and so on.

1.2An overview of Kim Lien Branch

1. Branch profile
-Full name: SaiGon-HaNoi Commercial Joint Stock Bank- Kim Lien Branch
-Date of creation: 4/2010

3


-Address: 19 Luong Dinh Cua street, Dong Da district, Hanoi
-Tel: +84-43-8423-056
2. Organizational hierarchy of Kim Lien Branch

4


Board of Directors

Operational Unit

Business Unit

Individual
customer
department

Enterprise
Customer
Department

Accounting
Department

Transaction Offices

Treasury
Department

3. About the individual customer department
There are 8 members in individual customer department, including 1manager and 7 credit
staffs.
The duties of the individual customer department
-

The individual customers department is the line department which is directly
responsible for individual customer to exploit fund by Vietnam Dong and foreign

-

currencies
This department performs professional competence related to credit activities,

-

product management which is suitable for current regulation and assist from SHB
It directly advertises, does marketing, introduces and sells individual banking
services provided by SHB

Besides, the individual customer department supervise customers’ activities, issues related
to lending activities of bank, debt collection. It reports to broad of directors and suggesting
solutions to deal with specific issues business process

5


1.3My internship and overview about house buying loans at SHB- Kim Lien branch
*Current situation of home loans at SHB- Kim Lien branch:
No.
1

Indicator
Projects asking

QI/2014
9

for capital
Amount

5

3

Approved

dongs
8

4

projects
Amount

5

Ignored projects

2

QII
8

QIII
9

QIV
9

billion 4,5 billion 5,5 billion 5
dongs
6

dongs
8

4,5 billion 3,5 billion 4
dongs
1

dongs
2

QI/2015
12

billion 6

dongs
8

billion

dongs
10

billion 4,7 billion 5,4 billion

dongs
1

dongs
1

dongs
2

Look at the table on my results show that home loans activity at SHB- Kim Lien branch is
developing in a positive direction
*Internship contents and planning
Step
1

Date
23/2/2015-

Work contents and product to be obtained
Start of internship: -Getting acquainted with the company staff

2

25/2/2015
26/2/2015-

-Learn and grasp the business areas of Kim Lien Branch
- Study the procedures for lending to individual customers at

3

3/3/2015
4/3/2015-

Kim Lien branches
- Analyze the actual situation for housing loan products in

4

14/3/2015
16/3/2015-

branches Kim Lien
-Prepare the necessary questions to get the information needs

5

21/3/2015
23/3-2015-

of customers home loans
-Meet and discuss with clients who need home loans

6

24/4/2015
25/4/2015-

-Make profile for customer
- Analyze results

27/4/2015

6


PART2: REPORT ON PRACTICE AND TRANING AT SHB-KIM LIEN BRANCH
A. Preparing necessary knowledge for work
2.1 Reading some necessary documents about this service “House buying loans”
* Description
When I started my work placement, my enterprise tutor gave me some necessary
documents and he asked me to read them to have clear understanding about lending
activities of SHB. Documents included:
-

Official dispatch No.221/QD-HQQT_NHCT35 Decision on promulgating

-

regulations about individuals, household loans
Official dispatch No.1627/2001/QD_THNN
Law on credit institution No.47/2010/QH12
Credit handbook

It took me a week to read and take note all important information in these documents.
After 3-day studying, I highlighted ideas which made me confused or unclear. Moreover, I
also found the answers from difference sources
Furthermore, I collected the latest information related to house buying loan activities of
SHB (promotion campaigns, preferences and so on). I prepared for myself necessary
information so that a can advise my customers if they need.
A list of specific questions for customers to retrieve information needed
-

Customer profit
• Name (wife-husband)
• Telephone number
• Accommodation address
• Relative

- Transactions with bank
• Does the customer make transaction with any credit institution?
• Type of transaction? (If borrowed, can ask more detailed information on loans
as the loan amount, purpose, and not loans, collateral, monthly repayment
rate, etc.)
- Financial capability

• Observe the customer's place (well-off/average/poor)
• Customer assets owned: the customer owns real estate, and other property
assets.
- Secured assets

7


• Property ownership certificates have been used, and ownership?
• Real estate mortgage guaranty governmental or the 3rd party?
• The guarantor is related how when the customer borrows?
• Some basic information about the real estate mortgage: address, size, location,
estimated market value, etc.
• Current status of the mortgaged property: being leased or who directly live?
Mortgage real estate has been in the credit institution does not? Are included
in the planning and clearance or have not contested?
• Property owners have the capacity for civil acts not? Having awareness of the
Property will be mortgaged to bank?
- Demand for loans
+Property loan
• Have the customer found the real estate?
• Information about real estate: Location, location, area, purchase price, etc.
• The buyer must have the certificate of use, ownership or governmental
purchase agreement with an investor (if not it may consider smaller loans than
500 million dongs)
• The amount borrowed.
• Progress of the sale. Payment method.
• (Profile:

use

right

certificates,

ownership

of

property,

contract

deposit/purchase, etc.)
+ Loan for construction/repair of buildings
• Address the construction/repair.
• The owners of the building/repairs are? (Provide certificate of ownership and
use rights for the construction/repair)
• There is a building permit it?
• Detailed plans to build/repair like?
• Estimates of the total cost of construction/repair.
• Capital bank need to borrow.
• Purpose built/repaired: to stay/rental business?
+ Other consumer loans
• Specific consumer purpose

8


• The proof of intent

• Total equity capital
• The amount of bank loans
+ Manufacturing business
• The need for additional investment in working capital or fixed assets.
• Demand for loans under the quotas or installments.
• Other information: Fractional source of repayment.
- Sources of repayment
Find out where to source returns: wage/rent property/business, etc.
Answer from those sources: spouses, children, etc.
+ From salary
• Those with debt repayment obligations.
• Place of work, positions and current affairs, current working time (may learn
more previously worked somewhere, etc.)
• Wage? Income receiving cash or through bank accounts?
+. From rental property
• Type of leased assets, the value of assets, legal documents of the property.
• The rent? Price for rent? A rental contract?
• Already leased from when?
• Paying monthly rent/quarter, etc. cash/bank account through?
+ From business
• Registration of business.
• Business experience.
• Member of companies: the relationship between members.
• Business items.
• Business location (location rented or owned, rent)
• Business methods: input, output, method of payment.
• Scale: Inventory, receivables, payable, fixed assets.
• Business results: Revenue/month, profit/month (temporarily recorded at said
customer data).
• Tax statements, invoices, records

9


*The difficulties
- When reading documents, sometimes I felt sleepy because I could not understand all of
content in dispatch. Spending hours on reading these documents was not interesting work.
- Some information was not available in these documents so had to find it by myself.
- In some documents, there were some specialized terms or abbreviations which made
me- a trainee embarrassed.
*Solutions
- I read documents selectively to overcome the difficulty above and focused on documents
directly related to the lending procedure. I arranged logically my reading time to avoid
boredom. For example: After reading 7 or 8 pages, I would switch to help credit staff in
department then I turned back to my work and continued to read.
- In terms of unclear issues, I referred to some banking forums such as Banking and
Human resources community, VN Economic community and so on to find answers.
However, sometimes, there were many answers which did not really satisfy me so I asked
my tutor at bank.

10


2.2 Reading some old customer loan profiles
*Description
When I finished reading documents which was given previously, my tutor is Mr.Minh
gave some old “house buying loan” profile of customers to me as references.
I read the information in these profiles in order to know how to deal with each situation
and to remember the content. After reading 3 customers loan profiles, I found 4 main kinds
of documents which must have in every loan application documents. They are:

1.
2.
3.
4.

Legal files
Documents of land
Documents verifying resources to pay bank loans
Documents of collateral for loan

*The difficulties
- When I started reading old loan customer profiles, I did not understand all the content.
In my mind, I had a lot of questions such as: how credit staff could evaluate the
authenticity of customer’s information, the way to verify income of customers, how to get
CIC report, how to set the interest rate on loan and so on. There were many things which
were

not

taught

in

university

but

I

had

to

face

in

the

real

situation.

- Moreover I found the list of papers really hard to remember its order. There were many
kinds of papers in loan application.
*The solutions
- I wrote down all my question and sent to Mr.Minh by emails. The day after, in breaktime, he gave me the answers. He used some real examples to explain to me. Furthermore,
he performed on computer directly therefore it was easier for me to understand.
Sometimes, Mr.Minh was busy with his work; i also asked Mrs.Huong and Mr.Toan who
are credit-staffs in department. They were always willing to help me a lot during my
internship.
-

I read many loan profiles. After finishing reading each profile, I arranged papers

according to the file in order to remember them.
2.3. Loan Process of house
Step 1: Prepare loan applications
As I observed this step was the banker made immediately upon contact with customers,
understand customer needs. Since then collects information from customers in order to

complete the dossier as:
+ Legal capacity, civil act capacity customers
+ Ability to use loans
11


+ Ability to repay loan principal and interest cover
Step 2: Analyze credit
Mr.Minh told lest step credit analysis is also extremely important step 1. For a home loan
this step determines the ability of current and future customers in the use of loans and
repayment.
Besides, the experts have to predict these situations can happen to the loans led to the
bank's risks as well as remedial measures to minimize the damage, losses for banks row.
Moreover, they have to determine the veracity of the information the customer has given or
collected, from which reviews the attitude, the willingness of customers to be able to make
decisions for borrowers.
Step 3: Decision making credit.
After completion of the evaluation records for 1 credit loans, experts must submit a branch
manager for approval. There are two probable cases, the first case is that the loan amount
allowed branch managers for approval. 2nd case, the customer wants to borrow the money
big, subordinate loans are not approved by the directors only receive. Meanwhile, the
credit provider must accompany managers to join a meeting at the headquarters of the
Department- bank credit for approval.
The decision depends on the approval of the branch manager, as the case file reached
approving jurisdiction in branch, branch manager read the file, since it agreed to lend or
refuse the loan.
Step 4: Disbursement
A loan was approved disbursement will proceed, Where the home loan customers, the bank
will disburse by direct bank transfer through the investor's account that mortgage
customers there. The disbursement will take place as required from clients if they meet all

the procedures and conditions for disbursement from the bank launched.
Step 5: Check after loan
Bank determined test period loans used for the right purpose in the contract or not,
earnings of regular customers and it is important not check that the customer assets with
original guarantee the bank. -Bank determined test period loans used for the right purpose
in the contract or not, earnings of regular customers and it is important not check that the
customer assets with original guarantee the bank.

12


B. Performing some work which related to lending process
2.4 Guiding customers to prepare papers for loan application documents
*Description
During my internship, Mr.Minh assigned me to guide customers to complete loan
application under his supervision.
There were many customers who went to our department said that they had a demand for
buying house for living. Firstly, I introduced myself and gave them a brief overview of
SHB- house buying loan service and benefits they can get. Secondly, I asked them for
some necessary information such as: age, address, job, purpose of loan, collateral, amount
of loan and so on. I also gave my customers a loan request form and asked them to fill it.
Lastly, I told them to prepare necessary papers which are required by SHB. Here is the list
of required papers:
-

-

-

-

Legal files:
.A copy of identify card of borrower
.Family record book
.Loan request form
....
Documents of land:
.A copy of certificate of land use right
.A copy of identify card of seller
.A sales contract between seller and borrower (Must be notarized)
.A certificate of equity
Documents verifying resources to pay back loans:
.Copy of work contract/permanent work contract.
.Income verification and statements for the last 3 months salaries.
.Other relevant documents
Document of collateral for loan

*The

difficulties

- When I introduced myself that was trainee, my customers seemed to be hesitative and
not

trusty

me

implicitly.

- Although there were some easy-going customers, I met some fastidious customers. They
had questions about lending interest rate because there were some banks which offered
lower lending interest rate. They said that they would go to other bank and I did not want
to lose customers.
*The solution
- I asked Mr.Minh to explain that I was his supervision. Therefore, they need not to
worry. After that, I continued to get information from my customers and guided them to
make application loan. I also took my handbook incase not remember exactly.

13


- I tried to be friendly, confidently to make conversation comfortable. I also gave the
reasonable reasons to persuade them. For instance, the lending interest rate of SHB seems
to be the same with other banks but it is still lower than some banks. The lending interest
rate can go up or down depending on some factors such as: the ability to pay debt,
collateral, credit history, customer rating credit and so on.
2.5 Evaluating and analyzing loan application documents of who proposed loan
*Description
We received loan application documents of our customers-Mr.Vu Tung Giang who had
proposed for house buying loan. Mr.Toan assigned Mrs.Huong and me to analyze and
evaluate these documents of Mr.Giang. We had only 4 days to do this job.
During this time, Mrs.Huong guided and helped me a lot. She gave me some her
professional ideas in analyzing and evaluating. I tried to take note ideas, tips, and
experience. Besides, I also gave my own ideas and asked questions about things which
made me wonder. Here are contents of my analyzing and evaluating loan application
documents of Mr.Giang:
1. Assessing the legality of customer:
1. Customer information
- Name of customer

- ID Card No.: B 4287444

Vu Tung Giang
Issued
by:

Date of birth: August 17, 1977
Immigration Issued on: July 19, 2010

-

Home phone:
Permanent
address

Management Department
Mobile phone:
Office phone:
of 8-C8B Mai Dong Ward, Hoang Mai District, Hanoi City

-

residence
Current

of 8-C8B Mai Dong Ward, Hoang Mai District, Hanoi City

-

residence

Marital status
Current occupation

address

Married
Deputy Director Company: Gia Thinh Electro-mechanical Equipment
Joint Stock Company

Other comments:
2. Information of co-payer
- Name of customer
- ID Card No.: 012087263
- Home phone:
- Permanent
address
of
-

residence
Current

-

residence
Current occupation

address

Phan Thi Thanh Thuy

Relationship with customer: Spouse
Issued at: Hanoi
Issued on: February 14, 2009
Mobile phone:
Office phone:
8-C8B Mai Dong Ward, Hoang Mai District, Hanoi City

of 8-C8B Mai Dong Ward, Hoang Mai District, Hanoi City
Informatics

Company: Vietinbank – Information Technology

14


-

Engineer
Center
108 Tran Hung Dao Street – Hoan Kiem – Hanoi

Company/workplace

address
3. Information of dependents
- Number of dependents
02
- Relationship with customer Biological children
4. Information of related party: N/A
5. Assessment on financial capacity and social relationship:

General

financial

capacity

-

Total common income: 31,300,00 dongs/month

-

Accumulated assets: Land and house at Xuan Tao Ward – Bac Tu Liem

District, Hanoi City, assessed value: 2.1 billion dongs
Normal

Relationship

in

family

• No conflict within family.

Social relationships
(neighbors,
workers, etc.)

co-

Normal
• Do not cause disunity, quarrel with neighbors.

• Always help friends, neighbors, and so on.
6. Assessment on business operation status:
Product and service
Capital construction
Object: Customers
Management experience
Over 5 years
Assessment on input
- Input quality:
Ensured
Various
- Partner:
Normal
- Payment method
Cash
Assessment on output
Retailing
- Main market channel
Various
- Development trend
Stable
- Payment method
Cash
- I checked the papers necessary in Mr. Giang legal records. He gave the bank the
necessary documentation relating to her about his legal status as: Copies identify card (of
Mr. Giang and his wife, Pham Thanh Thuy); a copy of the family record book (notarized);

Marriage certificate. Legal documents, loan application is complete and valid.
- Mr. Giang is capable of civil legal capacity and in accordance with law.
- Mr. Giang born in 1977 and is 38 years old. His wife was born in 1978 is 37 years old
2. Evaluation of purpose loans and demand for capital:
- Mr. Giang proposed loan amount of 1,500,000,000 VND (One billion five hundred
15


million dongs)
- Products/Purpose granting credit: Borrowing offset mortgage
- Purposes for loan: offset mortgage payments
- Period: 240 months
- Variation of security: Mortgage
- Asset guarantee: house
=> Mr. Giang wants to make a home purchase loans offset. Loan purpose is legitimate and
in accordance with the provisions of SHB. I think the customer plan is possible and
reliable. Term loans are insufficient to pay its debts.
- Mrs. Huong and I went to the address to investigate gather information about the
transaction. We require not only the seller but also their neighbors around. We
acknowledge that there is a transaction between owners Mr. Giang and old house.
- The related transactions between the two companies was notarized by notary office's
number one public and it is still valid. The total land area is 40M2 with 85.5 million dongs
for each m2. This is an appropriate price for the land in this area.
3. Evaluate the financial capacity and social relations
Financial capacity: The total regular income is 31,000,000 VND
Accumulating assets: housing in Xuan Tao Ward – Bac Tu Liem District – Hanoi City,
valuation is 2,100,000,000 VND
Relationships in the family: Normal and no status in family quarrel
The social relationships (neighbor, neighborhood, peers, etc.): normal. No cause disunity,
quarrel with neighbors. Always help friends and neighbors.

4. Relations with the credit institutions and related entities
Relations with SHB
New customer
Customer ranking
Current balance: 0 VND

Score:
Current

Grade:
deposit

Other services at SHB
balance
Relations with other credit institutions based on CIC dated on April 1, 2015

Name

of

institution
- Debt

credit Current

Highest debt

balance

Current

deposit Other services

balance
0
0
balance Currently customers have no outstanding loans at credit institutions. No

history
bad debt in 5 years.
5. Evaluation criteria as a general rule loans at SHB

16


- Have full legal capacity and civil act capacity as prescribed by law
- Have permanent residence or long-term temporary (KT3) in the provinces and cities
where the headquarters of SHB
- Having a stable income, ensuring adequate ability to repay the bank, feasible repayment
plans.
- Yes collateral prescribed by the product.
- No debt 3+ group at SHB and other credit institutions in the last 12 months.
- Customers are the homeowner's name, the right to use land in the mortgage bank and
land.
- To satisfy the other conditions under the regulations of SHB loan.
- Real estate has enough legal documents proving ownership, not subject to planning,
clearance and recovery and disputes.

17

6. Evaluate the loan plan
-

Purpose for using loan: Offsetting loan for buying land and house at

Xuan Tao Ward – Bac Tu Liem Districct – Hanoi City.
Suitability
Mr. Giang and Mrs. Thuy are staying with parents at 8 – C8B, Mai
Dong, Hoang Mai, Hanoi
Loan purpose

In 2014, Mr. Giang and Mrs. Thuy bought a house at Lot 57 in Xuan
Tao Ward – Bac Tu Liem District – Hanoi City with the value of
2,500,000,000 dongs and made full payment for the seller. The amount
paid was from the capital of two people and loans from relatives.
Therefore, now, Mr. Giang and Mrs. Thuy want to make a loan to pay
for their relatives.
Income, bonus
Stable/ensured

Payment source

Able to be proved
Note
•

Income of Mr. Vu Tung Giang: 20,300,000 dongs/month

•

Income and bonus of Mrs. Phan Thi Thanh Thuy: 11,000,000

dongs/month
Guarantee asset type: Real estate
Owner of asset: Mr. Vu Tung Giang
Guarantee method

Owner of asset: Mr. Vu Tung Giang – Mrs. Phan Thi Thanh Thuy
Asset description: Certificate on land use right, ownership of home and
assets attached to land No. BX 692140 issued by the PC of Bac Tu Liem
District on December 29, 2014 under the ownership of Mr. Vu Tung
Giang and Mrs. Phan Thi Thanh Thuy

18


7. The financial capacity of the customer and the co-payer
(1) Common monthly income:

(2) Common monthly cost:

- Income of Mr. Giang at Gia
Thinh

Electro-mechanical

Equipment Joint Stock Company

20.300.000

VND

- Living cost:

10.000.000
VND

- Payment
- Income

of

Mr.

Thuy

at

Vietinbank

11.000.000

obligation for SHB:

18.750.000

VND

- Payment

VND

obligation for other 0 VND
credit institutions
31.300.000

Total income:

VND

Total cost:

28.750.000
VND

Common savings (1) – (2): 2.550.000 VND
8. Assessment of collateral
Type of

Collateral (Unit
exchanged into

Valuation

Guarantee

Guarant

VND: million

value

limit

ee rate

dongs)
1

House and land at 2.100.000.000 1.575.000.000 100%
Lot 57 – Xuan VND

Relationsh

asset

ip of asset

according to Status owner with
SHB

the

regulations
borrower
Real estate Common Genuine

VND

Tao Ward, Bac

Tu Liem District,
Hanoi City
Total collateral

2.100.000.000

100%
VND
General assessment on We went to the Department of Natural Resources and Environment of
collateral

Bac Tu Liem district to check the information relating to the mortgaged
property. Customers have legal rights to use land. Collateral is no
conflict and it has never pledged anywhere or any credit institution.
Owner fulfilled their obligations to the government.
- Mrs. Huong asked me to make an appointment for a visit with Mr.

19


Giang to the collateral. When we come here, that this is the housing
sector. It was in a densely populated area; soil is good and there is a high
liquidity. Besides, the land use right dose not locate in other project
areas or clearance.
- After visiting the collateral, Mrs. Huong assess collateral value at 2.1
billion dongs. According to the assessment from Mrs. Huong’s
assessment, the value of the collateral guarantee credit line of 1.5 billion
dongs.
=> I concluded that collateral to guarantee payment responsibility for
SHB

9. Evaluate the risks and potential solutions
- Financial risks: Mr. Giang and his wife are senior staff, they have high wages and a stable
income, their health is good so the financial risk low.
- The solution: we should require them to purchase a total of cruel medical insurance and
comprehensive accident at SHB
- Risk: Both Mr. Vu Tung Giang and Mrs. Phan Thi Thanh Thuy are employees ingested
revenue growth based on the companies where they work. So if their company was a
problem financially, and their financing were also affected and cannot repay the loan
amount to the bank
=> The solution is: Withdrawal of collateral
=> After analyzing and evaluating all the information in the loan application Mr. Giang, I
conclude that its criteria meet the conditionality of SHB; Therefore, we can accept a loan
of Mr. Giang.
* Difficulties
- When the estimated value of the mortgaged property, I did not know how to calculate the
exact price of this land, because I do not have much experience in the evaluation of real
estate. The method I first applied to calculate the average price of other lands near the
mortgaged property, but I was wrong.
* Solution
- I ask for a help from Mrs. Huong who have plenty of experience in the evaluation of real
estate. She told me that the property was assessed based on multiple references such as
price stipulated by the government, the market price of land, or land use rights, land
positions, so land (price higher ground rectangular square land prices). Because I am
newbie so she advised me to read more and more practice in real situations. It will help me

20


have more experience and perspective of the appraiser
*Difficulties

- When I estimated the value of collateral, I did not know how to calculate exactly price of
this land because I did not have much experience in terms of real-estate assessment. The
method I applied first was to calculate average price of other lands near this collateral but I
was wrong.
*Solutions
- I asked for a help from Mrs.Huong who has a lot experience in real-estate assessment.
She told me that real-estate assessment is based on many references such as: price
according to government regulations, the market price, area of land, land use right or not,
the location of land, the shape of land (the price of rectangular land is higher than the price
of square land). Because I am newbie therefore, she advised me to read more and practice
more in real situations. It will help me to have more experience and a view of assessor
2.6 Word processing of evaluation report
*Description
When I finished analyzing and evaluating loan documents of Mr.Giang, Mrs.Huong
examined my evaluating result and asked me to correct some small mistakes. Afterwards,
she gave me a sample of evaluation report and told me to type new report including
analyzed and evaluated information. At first, I worked under her supervision and then she
had a business go out. She allowed me to complete it by myself and she would check after
I had done.
*Difficulties
- I felt a little nervous when I made a report. This job required me very high responsibility
and it must not allow to make a mistake.
*Solutions
- I had to compare my report with a sample carefully and I focused on it as much as
possible to avoid mistakes that led my working speed slower. I found that slowness but
carefulness more important than quickness but carelessness.
2.7 Reminding customers to pay interest or principle when maturity dates are coming
*Description
Mr.Toan gave me a list of customers (including: name of customer, CIF code, telephone
number, address, maturity date) and he asked me to remind them to pay interest and

principle on time.
“According to SHB’s regulation, before maturity date 10 days, bank will announce to
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customers to prepare money for paying interest or principle.”
Every day, my job was check my customer lists, find customers who have a coming
maturity date to remind. I chose a suitable time to call them; it was usually from 8:30 am to
10:30 am. I followed a calling structure:
1.
2.
3.
4.

Greeting customer
Introducing myself, my position
Ask about the current situation of the customers
Announcing about maturity date and reminding customers to pay interest /principle on

time.
5. Say thanks and wish them to have a nice day.
Besides, I had to follow customer’s cash-flow by keep tracking their payday to remind
If my customers pay late or do not want to pay, I will persuade them with some
reasons such as:
1. They will have to pay more 50% of interest rate a penal interest rate.
2. They will lose a lot of benefits
3. It will be difficult for them to make a loan at the next time at any credit institution

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PART3: ACHIEVED RESULT AND MY CONTRIBUTIONS TO BANK DURING
INTERNSHIP
3.1 My contributions to the bank
- I worked with credit staff of individual customer department in analyzing-evaluating loan
application documents and credit rating of customer. Bank accepted a loan for Mr.Giang.
- I supported bank staff to do some their work such as: word processing; repairing some
small issues to customers pay interest and principle on time. My customers felt
comfortable and they always paid money on time when I remind them.
- I took part in social activity which was hosted by SHB. I distributed soup to poor
patients in children’s hospital. This activity is humanitarian gesture and it build up a good
image of SHB.
3.2 Personal assessment
A. My knowledge
- In the role of loan officer trainee, we had opportunities to adopt theories which learned
in University into practice. Furthermore, the direct practice help me easily remember
learned things. I have known more about individual credit activities of SHB, especially
house buying loan product. I also understand clearly the content of lending process and
what I had to do in each part of process.
- I realized the important role of law, especially the law on the state bank of Vietnam
and the law on credit institutions.
B. My skills
-

Communication skill: during my internship, i have learnt how to have good

communication with my colleagues, my customers by observing the way they
communicate with each other every day. Moreover, I had a chance to make a conversation
directly with customers (or via phone) therefore I improved myself a lot.
- Working skill: I learned the way to organize, to make plan and to manage my time

effectively. It was demonstrated when I did the analyzing and evaluating loan application
documents of customers. If I did not have a good plan, analyzing-evaluating process would
be messy. Moreover, it might get more time than I expected so that I can not meet the
requirement of job. Besides, I realized that teamwork skill is necessary and important,
supporting each other would boost work faster, more effectively and reduce stress.
- Computer skill: word processing and Spreadsheet are two important tools for bank
staffs. After internship, my computer skill improved very much, my typing speed is faster.
I also learned how to use Excel to calculate principle or interest for customers- it made
calculation become simpler and quicker.
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C. My experience
- I worked in professional banking environment where staff s had a big workload and
high target, therefore I have trained to work under pressure and meet deadline. I realized
that it was good to challenge myself and get experience.
- I had built a good relationship with bank staff in the department. I received a lot of tips
and advice from them which help me deal with work faster and exacter. In addition, it will
make me have enough confidence to apply for a position in competitive environment of
bank.
3.3 The difficulties during internship period
- Because my practical knowledge was still limited; therefore, in some situations, I was
still embarrassed.
- The real-state situation in Vietnam still freezes at that time thus there are few people
coming our department for asking a house buying loan. I hope the government will bring
out some “breaking ice” solutions to make situation better.

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