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 TABLE OF CONTEND PART1: SOME INFORMATION ABOUT SHB AND KIM LIEN BRANCH 1.1A brief overview of SaiGon-HaNoi Joint Stock Commercial Bank 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 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 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 Branch profile -Full name: SaiGon-HaNoi Commercial Joint Stock Bank- Kim Lien Branch -Date of creation: 4/2010 -Address: 19 Luong Dinh Cua street, Dong Da district, Hanoi -Tel: +84-43-8423-056 Organizational hierarchy of Kim Lien Branch Board of Directors Operational Unit Business Unit Individual customer department Enterprise Customer Department Accounting Department Transaction Offices Treasury Department About the individual customer department There are members in individual customer department, including 1manager and 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 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 Indicator Projects asking QI/2014 for capital Amount Approved dongs projects Amount Ignored projects QII QIII QIV billion 4,5 billion 5,5 billion dongs dongs 4,5 billion 3,5 billion dongs dongs QI/2015 12 billion dongs billion dongs 10 billion 4,7 billion 5,4 billion dongs dongs dongs 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 Date 23/2/2015- Work contents and product to be obtained Start of internship: -Getting acquainted with the company staff 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 3/3/2015 4/3/2015- Kim Lien branches - Analyze the actual situation for housing loan products in 14/3/2015 16/3/2015- branches Kim Lien -Prepare the necessary questions to get the information needs 21/3/2015 23/3-2015- of customers home loans -Meet and discuss with clients who need home loans 24/4/2015 25/4/2015- -Make profile for customer - Analyze results 27/4/2015 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 • 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 • 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 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 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 days to 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: Assessing the legality of customer: 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: 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 Information of dependents - Number of dependents 02 - Relationship with customer Biological children Information of related party: N/A 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 Assessment on business operation status: Product and service Capital construction Object: Customers Management experience Over 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 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 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 Relations with the credit institutions and related entities Relations with SHB New customer Customer ranking Current balance: 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 balance Currently customers have no outstanding loans at credit institutions No history bad debt in years 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 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 – 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 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 VND credit institutions 31.300.000 Total income: VND Total cost: 28.750.000 VND Common savings (1) – (2): 2.550.000 VND Assessment of collateral Type of Collateral (Unit exchanged into Valuation Guarantee Guarant VND: million value limit ee rate dongs) 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 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 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 21 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: 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 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 not want to pay, I will persuade them with some reasons such as: They will have to pay more 50% of interest rate a penal interest rate They will lose a lot of benefits It will be difficult for them to make a loan at the next time at any credit institution 22 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 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 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 23 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 24 CONCLUSION After months of training at individual customer department of SHB- Kim Lien Branch, I had a chance to adopt theories which learned in University into practice Although months are not a long time, I gained a lot of knowledge and helpful experience During the internship, I have a clear view about product and services of commercial bank After acting in a role of credit staff and meeting customers, my skill improved a lot of such as: working skill, computer skill, and communication skill and so on Finally, I would like to give my thanks to all staffs in individual customer department at SHB- Kim Lien Branch, especially Mr.Minh, Mr.Toan, Mr.Huong, Mrs.Huyen who supported me throughout the work placement period CURRICULLUM VITAE PERSONAL DETAILS 25 Full name: Do Anh Tuan Hometown: Ha Nam Marital Status: Single Address: Mai Dich- Cau Giay- Ha Noi Tel: (+84)1694519342/ (+84)949556342 Email: nhanma194@gmail.com EDUCATION 2009-2012: Ly Nhan High School 2012-2015: VietNam University of Commerce International Training Department Finance- Banking SKILLS AND ABILITIES Computer skills ( word-processing, Spreadsheet, Photoshop CS4) Intermediate English Communication, presentation skills Ability to work under pressure and meet tight deadlines Have a high sense of responsibility HOBBIES AND INTERESTS Socializing with people Play sports LIST OF REFERENCES -Commercial banking operations, The Statistics Publisher -SHB’ documents about individual loan products and services and lending process -Law on the state bank of Vietnam -The official website of SHB: www.shb.com.vn -other websites: www.laisuat.vn 26 www.ub.com.vn 27 ... process 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 Indicator Projects asking QI/2014 for capital... dongs 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 Date 23/2/2015- Work contents... 27/4/2015 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