• Underwrite credits for SME-M, SME-S, and BB customers (Deal-by-Deal) with the scope of approval authority; including planning and managing Commercial Credit Underwriting MIS Section (dotted reporting line) to create and manage credit customer database to support credit underwriting, creditrating assignment, and other reports as assignment.

• Provide opinions to the Credit Committee vested with approval authority or grant approval for credits within the scope of approval authority.

• Participate in the consideration and approval process as well as provide initial opinions.

• Approve credit ratings to ensure appropriateness of customers’ risk ratings.

• Approve annual credit review.

• Coordinate with Credit Policy team for industrial guidelines, DOA guidelines and portfolio
monitoring.

• Partake in the prevent of NPL.