APPENDIX 3.1
FUNCTIONS OF CREDIT RISK CONTROL DEPARTMENTS AT AGRIBANK
a. Customer relationship block: includes Credit Department, Appraisal Department at TSC and Business Block at Branches
Function : are units that directly conduct credit business, receive RRTD within the limits approved by the Board of Directors in each period through transactions, selection and approval of credit granting to customers.
AT HEADQUARTERS
AT BRANCH | |
CREDIT COMMITTEES | CREDIT DEPARTMENT |
- Research, propose and build | - Research and propose market development |
product development options and | schools in the branch's area of operation |
credit market development | branch |
- Receive reports and recommendations on | - Consulting, guiding and supporting the |
market development, product, process | customers about products and processes, |
credit granting procedures from branches | Loan procedures at the branch |
branch | - Reports and recommendations on development |
- Propose improvements to processes and procedures | customer, product development, marketing |
credit procedures with the Management Department | school, transaction procedures with |
RRTD. | Branch Manager. |
APPRAISAL COMMITTEE | APPRAISAL DEPARTMENT |
- Appraisal of loans under | - Appraisal of continued loans |
the General Director's discretion | Receive at Branch |
and Board of Directors | - Report and recommend appraisal work |
- Advise the management department | with the Branch Management |
RRTD issues related to the rules | BRANCH MANAGEMENT |
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appraisal process
- Manage and operate the Branch according to | |
- Manage and operate the appraisal work. | Executive direction of the specialized committees |
system-wide | Subjects and Faculty at TSC |
- Coordinate and support functional departments | |
RRTD management, KT-KSNB and | |
KToNB at Branch. |
b. Risk management block: Including the Risk Management Committee, the Director of the Risk Management Block, specialized departments/offices of the Risk Management Block at TSC, the Risk Management Department in 3 regions and at the Branches.
Function: is the department that sets up strategies, tastes, RRTD management policies and manages and operates RRTD management activities throughout the system.
AT HEADQUARTERS
IN THE AREA | AT BRANCH | |
QLRR Committee | - Perform functions | - Perform functions |
- Advise the Board of Directors | RRTD management in | RRTD management in |
strategically, politically | area scope according to | Branch scope according to |
RRTD management book and | Block management authorization | departmental authorization |
Board monitoring mechanism | Risk Management at TSC. | Regional risk management: |
operate | - Risk management report | - Report work to |
- Representative of the Board of Directors continued | in the TSC area | Regional risk management. |
receive reports, ideas | and recommend issues | |
Management Block's proposal | related to management | |
risk. | risk | |
QLRR BLOCK | ||
- Strategy setting, | ||
taste, policy | ||
RRTD; |
- Directing and managing RRTD in the entire system, managing credit information and
XHTDNB.
c. Internal Audit and Control: Internal Audit and Control functions include: (i) monitoring compliance with laws and internal regulations of the Customer Relations Division and Risk Management Division; (ii) monitoring credit risk; (iii) ensuring the honesty and accuracy of the financial reporting system and management information; (iiii) reporting internal audit and control results to the superior internal audit and control;
(iiii) Provide monitoring information to serve the management and operation of the Branch Executive Board. Depending on the scale of the Area/Branch, it is necessary to arrange appropriate personnel for each location to ensure that internal KT-KS conducts daily monitoring in all departments.
d. KToNB : The function of KToNB is to monitor and ensure the effectiveness of the Customer Relationship Division, Risk Management Division and KT-KSNB.