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Internship Report: An Binh Bank-Tanh Linh Branch
Internship Report: An Binh Bank-Tanh Linh Branch
Internship Report
Batch: K29 (2013-2017)
On
Main Tasks of Credit Department
At
AN BINH BANK-TANH LINH BRANCH
Prepared by
Student’s full name:TRAN PHONG
Student’s ID number: 03042913051
Program: Business English
Internship Supervisor
Name: CU NHAT SUONG
Title: Master of Arts
Department: Foreign Languages
The internship period that I had at An Binh Bank has brought me a lot of valuable
experience and an overview on banking career path. I am always grateful for this chance because it
helps me to gain practical experience, to apply all the methods and theories I have learned.
Cu Nhat Suong, who has supported and guided me throughout my internship period. I also want to
express my thanks to all lecturers at Banking University of Ho Chi Minh City for their hard work.
In addition, I would like give a special thank you to employees who work in Credit
Department, especially, Mr.Pham Quoc Hai. They all showed me how a professional staff handles
the tasks and work with high responsibilities. The valuable experience I acquired is very useful for
Finally, I want to send my best regards to my family for their endless reinforcement. Thanks
to their encouragement, I can confidently pursue my dream and have many meaningful years at the
university.
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/2.0
- Nội c. Kết quả của đợt thực
dung báo tập, bao gồm:
cáo Những kiến thức, kỹ
năng được củng cố
hoặc học hỏi được
Những kinh nghiệm
đã tích lũy được
Các đóng góp của bản
thân cho cơ quan và
các sáng kiến, đề xuất
giải pháp (nếu có)
Vietnam Maritime Joint - Stock Commercial Bank (MSB) was established on July 12th, 1991
in Haiphong City. In 2005, the Bank relocated its Head Office to Hanoi and begun a new era of
development which significantly expanded its operation. Khanh Hoi is one of the most remarkable
branches of Maritime Bank. Although Khanh Hoi Maritime Bank is not a big branch, it still got
- Website: https://www.msb.com.vn/
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1.2 Personnel of Maritime Bank- Khanh Hoi Branch
Director
Credit Accountant
Officer (Teller)
Intership
Position
The personnel of Khanh Hoi Maritime Bank have only three departments: head, credit
-The main tasks of credit department are finding customers, lending loans.
- The accounting department also acts as bank tellers directly help the customers with their
transactions.
Lending money
Cash management
Processing payments via telegraphic transfer, internet banking or other payment methods.
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CHAPTER 2: ASSIGNED TASKS
my experience in credit affair. It offers me not only the real world insights but also the exposures to
Firstly, I have experienced and realized that the most important function of Credit
Department is lending money. Nowadays, a large number of banks offer very competitive lending
rate so Credit Department has to find the way that can attract the customers and persuade them to
use our service. I was assigned to find customers through many social networking sites such as:
Facebook, Zalo,…Interestingly, I had to take the ID of people on Facebook to run the advertisement
Secondly, I have been instructed many effective tips for promoting our service by telephone.
That was a big challenge because I have not tried it before. In addition, selling a product or service
is always a difficult task. Selling a product or service over the phone by making cold calls is even
tougher. More often than not, prospective customers tend to say outright that they are busy
and disconnect the line. I paid so much time during 4 weeks and got over 10 customers. That was
After all, my supervisor gave me some credit documents and I had to list out the details of
the customers in order to help the director knows many missing documents need to be filled in.
Although it very strange to me, I still carefully finished my task. Moreover, it helped me to sharpen
my skills and my ability to deal with the documents in practice. Actually, because I was a
newcomer in this field, I was very excited about discussing and learning new experience from many
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CHAPTER 3: METHOD TO CONDUCT ASSIGNED TASKS
To complete the assigned tasks, I followed steps as follows. Firstly, when receiving an
assignment, I asked the manager to give me all information about the work and questioned him
about things I was not clear. Secondly, I searched information relating to the task on the Internet to
understand what I was doing clearly. Thirdly, I planned how to do the task and submitted for the
manager. Besides, I would discuss with the manager about the plan, receiving comments and
editing it. Lastly, I would carry out the work and analyze the result.
In the planning process, I often requested help from the experienced people at Maritime
Besides, when contacting some customers, I got many problems in communicating and
persuading them. Therefore, I had to search on the Internet and asked the manager for some tips.
The manager showed his interest when telling me some tips that he had experienced before. It was
During these steps, I have also asked for other intern’s help when the deadline of the task
was so close or I got problems relating to technology. By these steps, I accumulated the knowledge
Risk management has played a crucial role for the survival of individual banks and for the
stability of the whole banking system. Risk management must be priority for all the banks. I was
showed how to manage risks in a real credit contract. Risk ratio is high or low maybe depends on
the documents between two sides: the bank and customer. Credit limit also has an impact on risk
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ratio. It may depend on the experience of the credit officer when he/she decides to sign a loan
contract. In summary, risk management is not only important for the bank, but only for all financial
institutions.
Finding customers nowadays is also a part of credit affair. It is very essential to the bank
existence because without customers, the bank will be upon to die and go bankrupt. There are many
ways to help credit officer to find the customers such as: telephone, Facebook …But the way of
approaching will evaluate skills and experience of the credit officer. When the bank is organized by
a good credit officer, a customer approach generates extremely positive results on an organization.
After 2-month-internship, I actually realize that understanding the basics of credit analysis is
very important. Credit analysis is a step in the credit approval process a bank goes through to
evaluate a corporate borrower, but it also comes in handy when evaluating the financial strength of
tenants, corporate guarantors, and other individual operating businesses. Hence, we have to know
The internship not only offered me an opportunity to enrich my knowledge in Credit field
On the first day of my internship, I was impressed with the friendly working environment. A
working day begins with a small talk among staff in the office. It is very relaxing at the beginning
of the day, even if they are going to handle little or a great amount of work. I adapted to my
department with an open attitude after greeting everyone. My supervisor was so supportive. He told
me carefully that he would be grateful to answer my questions. Moreover, when I had to transfer
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documents to other departments I found myself more active to approach and to speak to new faces. I
also became more confident in offering a hand with small tasks. After all, communication skills are
As one of the job characteristics, Credit Department always has to deal with plenty of
documents. I have trained my organizing skills a lot by observing and practicing here. My tasks
were related to many documents, I read two or three sets of documents every day and tried to
remember the logical and systematic way they were arranged. After unclipping them, I practiced
rearranging documents. Each set of documents will be classified into different categories and put in
lockers. One of the most important rules that every officer always bears in mind is that no
documents left on desks after finishing a day. If it happened, it would seriously violate the
I was able to deal with the photocopy machine. Before the internship, I had never
photocopied the document, so at the first time dealing with this kind of task, I was so confused.
However, one day later thanks to the dedicating guidance I could get used to with the task and
perform it beautifully.
environment, especially the working time and work concentration. Punctuality is extremely
important to almost companies and being late for work for any reason is not allowed. Besides,
during the working time, chatting is not permitted. Therefore, at the beginning, I felt stressed in
some way. Luckily, after a short time, I adopted the working environment, and everything became
better. After the internship period, my working style seemed to be more professional.
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The most enjoyable experience that I had was directly talking to the customers or by phone.
Through this kind of affair, I have learnt how to start a conversation with the customers and the tips
to deal with them in many awkward situations. Moreover, it was also a great chance to train my
skills and get practical experience that I could never get when I was a student in Banking
University.
In addition, I also learnt the way to work under pressure. Before the internship, I could not
have done many tasks at the same time. However, I know how to sort out the work and do
It based on my observation. The purpose of these suggestions is to improve the work efficiency at
workplace.
Firstly, almost staff and interns also do many Internet searches to get information but the
Internet connection speed is so slow, which makes them uncomfortable and time-consuming.
Therefore, I suggest that the Internet connection should be upgraded in order to improve speed to
In addition, the work should be more specialized. People have to do many tasks, which is
time-consuming when he/she changes from a task to another task. For example, accountants not
only process the accounting books but also deal with customers. Besides, the workplace should be
expanded to make staff and customers feel comfortable when doing many banking transactions at
the bank.
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CHAPTER 6: CONCLUSION
We cannot deny the fact that Vietnam is on its way to integrate with the global
modernization, banking system has correspondingly developed throughout the country. The banking
system has provided many services to help the economy operate smoothly. Credit has also played
an important role in economic growth. Nowadays, banking sector is facing formidable and
years. However, there are still many challenges ahead, I truly hope that the department will
overcome these challenges and claim its own position in the banking industry.
In general, I have received many good things from my internship period. I not only
recognized my strengths and weaknesses, but also had a great opportunity to take part in a
professional working environment, to gain skills and to enrich my knowledge. Furthermore, the
internship opportunity makes me have a necessary preparation and get a clear view on my future
career path. Once again, I would like to send my special thanks to my instructor-lecturer Mr. Ly
Ngoc Toan and the Credit Department at Maritime Bank. If it had not been for their guidance, I
After all, I did recognize that my interest is Banking, which makes me have right and clear
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REFERENCES
https://www.msb.com.vn/gioi-thieu
http://www.academia.edu/9871184/3.3_Functions_of_the_Credit_Department_of_Commercial_Ba
nk
http://www.economicsdiscussion.net/banks/commercial-banks-its-functions-and-types-
explained/4149
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