Tran Ngự is seeking a career opportunity in risk management, investment, treasury or finance. He has over 5 years of experience in corporate debt restructuring, commercial lending, and credit risk analysis and control. He is proficient in accounting, financial analysis, and credit risk assessment. He has a Bachelor's Degree in Economics from Banking University and additional training in commercial lending. His most recent role was as a Senior Officer for Finance Restructuring Consultancy at Techcombank where he analyzed financial situations, counseled debt restructuring solutions, and developed risk reports.

1. TRẦN NGỰ 0904 867 121 – ng.tran2107@gmail.com
Date of Birth :  21/07/1987 – Hochiminh city, Vietnam.
Target Sector :  Equally effective at Risk management, Investment, Treasury or Finance
Career Objective :  Seeking an opportunity to prove own worth and advance career as far
as possible. Very enthusiastic for this career change goal, and eager to
become valuable asset to your organization immediately.
PERSONAL COMPETENCY
WORKING ATTITUDE
 Responsibility :  Extremely high motivation and sense of responsibility in all the works done are
greatest strength. Rich in progressive spirit enough to complement and enhance
capabilities to fulfill all increasing requirements of daily work.
 Recognized by managers as a trustworthy, professional and well-organized officer. Possess
powerful commitment for dedication toward organization.
IN-DEPTH PROFICIENCY (HARD SKILLS)
 Corporate Debt Restructuring :  Consistently utilize and apply significant factors in planning debts
restructure, structuring reorganization plans and conducting
appropriate Risk-control strategies.
 Corporate Accounting for Lenders :  Leverage knowledge of accounting rules and apply complex
accounting concepts to identify and analyze of financial risks.
 Commercial Lending :  Analyze comprehensive / particular risks in commercial loans
and apply Decision-Strategy model for Decision-making.
 Credit Risks Identifying and Controlling :  Gather information and evaluate changes in credit risk that
require action and effectively solve credit problems.
WELL-TRAINED SOFT SKILLS
 Analytical Skill :  Sharpen analytical skill with ability to analyze data / situations accurately and effectively.
 Problem Solving :  Applying KOALA rule (knowledge, objectives, alternatives, look ahead and action) to
increase efficiency. Combine patience and determination in troubleshoot critical issues.
 Teamwork :  Possess strong commitment to team environment dynamics with the ability to contribute
expertise and follow leadership directives at appropriate times.
 Independent :  Self-starter who enjoy applying creatively initiatives in researching, planning and perform
proactively to complete tasks under minimal supervision.
 Communication :  Excellence in writing together with confident and professional presentation ability.
 Language Skill :  English [ TOEIC : 720 points ]
 IT Skill :  Advanced in MS Office (Outlook, Excel, Word and PowerPoint). Able to grasp and use
smoothly all applications in organization’s system in short time.
PROFESSIONAL EXPERIENCE
TECHCOMBANK [ July 2011 to Present ] - Senior Officer for Finance Restructuring Consultancy
 Job description :  Analyze, assess actual financial strength and business situation of corporates having
problem loans or non-performing loans. Counsel optimal scenario or solution to
restructure finance in principle of maximum benefit and minimize risk / loss for bank.
 Provide financial and recommendation that significantly influences the decision-making
and direction of Credit Risk & Problem Loan Handling or Senior Credit Committee.
 Supervise, support and coordinate internal units (business, collection, operation units) or
external units (Techcom Securities) in implementing restructuring solutions. Figure out
critical countermeasures and counsel adjustments in order to resolve or minimize
extraordinary risks / problems during implementation process (if necessary).
 Develop and control generally restructuring portfolio, SLA, KPI and other statistic reports.
In charge of training programs to enhance experience and knowledge of colleagues.

2.  Achievements :  % of contribution to total Dept.’s result : 2012 2013 2014 Average
In deducting problem loans & collecting interest 8% 40% 77% 42%
In consulting debt restructuring solutions 8% 13% 94% 38%
 Typical Person of Debt recovery management sector as Manager’s choice in 2014.
 Award from Chief Risk Officer for Excellent Person in Risk division (Q4-2014).
 Second Prize of Knowledge Contest about Techcombank’s Regulations & Compliance.
 Award for Innovation in “Travel credit card” for PFS’s product.
HSBC BANK (VIETNAM) LTD. [ May 2009 to June 2011 ] - Senior Verification Assistant
 Job description :  Complied with lending regulations when evaluating consumer credit requests: Assessed
borrower's credit history, repayment sources, and financial capacity to handle debt.
 Improved Credit policies and guidelines, made them consistent with characteristics of
Vietnam and easy to user for all verifiers. Decreased processing time and increased
productivity by adjusting or simplifying Consumer credit cycle.
 Planned training program for new staffs and monitored their performance to ensure
proper execution of all steps in credit appraisal procedure.
 Collaborated with members of Credit risk and IT department at Vietnam and other
countries in projects to upgrade Automation appraisal processing system.
 Achievements :  Classified grade: 2+ (Outstanding Assessment) in 2010.
 As estimation, verified more than 5,500 personal loan applications and processed on
system to approve around 276 billions of outstanding.
 Award of Head of Service & Delivery for Individual with best performance in team.
 Successfully trained and mentored for nineteen (19) new staffs in department.
 Successfully contributed many initiatives to enable faster Consumer credit cycle from 5%
to 10% through: Proposing changes to make Credit policies become more specific and
intelligible; simplifying and rationalizing appraisal steps.
EDUCATIONAL BACKGROUND
BANKING UNIVERSITY [ September 2005 - July 2009 ]
 Degree :  Bachelor of Economics [ Management Information System - MIS ].
 Achievement :  Principal’s award for Graduate with Excellent Thesis.
 Introduction :  The bachelor program provides students with essential competencies and innovatory key-
argument based on combination of modern economic management models and IT revolution,
consisting knowledge of: Finance, Banking and IT.
OMEGA PERFORMANCE [ June - December 2014 ]
 Degree :  Certificate of Completion - Commercial Loans to Business and Minimizing Problem Loans.
 Introduction :  Reputable organization with almost 40 years of experience in equipping over 2,5 million
experts (from 2,500 banks in more than 50 countries – including 100 banks under Top 150
leading finance institutions) with proven-successful, globally-accepted credit standards to
source, structure high-quality & low-risk loans and grow profitable loan portfolio.
ADITIONAL INFORMATION
REFERENCES
 Name :  Mr. Nguyễn Cao Tuấn.
 Position :  Director of South Finance Restructuring Consultancy (Feb - 2013 to Nov – 2014).
 Director of Credit Analyst & Operation – Wholesale Banking (Nov - 2014 to Present).
 Contact Details :  0903 394 720 – tuannc@techcombank.com.vn
OTHER INFORMATION
 Business Travel  Yes.
 Expected Net Salary :  Negotiable.