Asst Manager, Credit Evaluation Personal Loan

Hong Leong Bank; Malaysia; Sur place; MYR 56 000 - 89 000; Plein temps

Résumé du poste

Hong Leong Bank in Malaysia is seeking a diligent Personal Loan Officer to evaluate, recommend and approve personal loan applications in line with Policies and SOPs. You will monitor Impaired Loan (IL) and Net Credit Loss (NCL) metrics and manage reworks from sales personnel.

You will also ensure timely reporting/escalation of suspicious and fraudulent applications, and participate in process improvements and knowledge sharing within the team.

Qualifications

• Bachelor's degree or professional qualification; 1–2 years in related field.
• CCP certification is an advantage; banking/loan experience preferred.
• Experience in evaluating consumer loan applications and adherence to SOPs.

Responsabilités

• Evaluate, recommend and approve personal loan applications per SOPs.
• Maintain booking quality by monitoring IL and NCL metrics.
• Manage reworks and appeals from sales personnel.
• Ensure timely reporting and escalation of suspicious and fraudulent applications.
• Perform other tasks as assigned by supervisor.

Connaissances

Personal loan evaluation

Fraud detection

Reporting

CCP Certification

Team collaboration

Formation

Bachelor's Degree or higher

Description du poste

If you are looking to excel and make a difference, take a closer look at us…

Functional (job responsibilities)

• To evaluate, recommend and approve personal loan applications in accordance to Bank's Policies & Standard Operating Procedures;
• To maintain good booking quality measured through Impaired Loan (IL) / Net Credit Loss (NCL) rates;
• To manage reworks & appeal applications from sales personnel;
• To ensure timely reporting & escalation of suspicious & fraudulent applications;
• To perform any other task(s) assigned by superior from time to time.

Managerial (team/group responsibilities)

• To ensure all personal loan applications are evaluated and decisioned within the specified turnaround time;
• To perform post credit review to identify area for improvement in terms of asset quality, policies & processes;
• To share knowledge/ experience/ insights and support team members at work and escalates issues to management for further direction and decision where necessary.

Organizational (organizational responsibilities)

• To continuously re-engineer processes and system automation to improve overall customer experience, productivity, automation & cost savings;
• To participate in new & ad hoc projects and/ or initiatives undertaken by department and Bank.

Organizational (organizational responsibilities)

• To continuously re-engineer processes and system automation to improve overall customer experience, productivity, automation & cost savings;
• To participate in new & ad hoc projects and/ or initiatives undertaken by department and Bank.

Jobholder Requirements

• Education/Qualification Professional or tertiary qualification or related working experience.
• Experience Candidate must possess at least a Bachelor's Degree, Post Graduate Diploma, Professional Degree, Economics, Finance/Accountancy/Banking, Business Studies/Administration/Management, Commerce or equivalent; At least 1-2 year(s) of working experience in the related field is required for this position.
• Special Skills Having CCP / CCE Certification is an advantage.

About Hong Leong Bank

We are a leading financial institution in Malaysia backed by a century of entrepreneurial heritage. Providing comprehensive financial services guided by a Digital-at-the-Core ethos has earned us industry recognition and accolades for our innovative approach in making banking simpler and more effortless for our customers. Our digital and physical offerings span across a vast nationwide network in Malaysia, strengthened with an expanding regional presence in Singapore, Hong Kong, Vietnam, Cambodia, and China. We seek to strike a balance between diversity, inclusion and merit to achieve our mission of infusing diversity in thinking and skillsets into our organisation. Candidates are assessed based on merit and potential, in line with our mission to attract and recruit the best talent available. Expanding on our "Digital at the Core" ethos, we are progressively digitising the employee journey and experience to provide a strong foundation for our people to drive life‑long learning, achieve their career aspirations and grow talent from within our organisation. Hong Leong Bank ("HLB") stands proudly as a leading financial services institution based in Malaysia, providing a wide range of comprehensive and innovative financial solutions across the region. These services are delivered through both digital and traditional means, via online and mobile banking, as well as our digital branch concept to provide customers with an efficient and seamless experience aided by technology. As the service and financial landscape changes rapidly with the ever‑increasing use of technology, staying attuned to customers needs and desires becomes even more critical to HLB's operations. To stay ahead of these dynamic changes, the Bank has adopted the approach of reimagining banking by embedding digital considerations and customer centricity in every aspect of our operations, from products and services as well as customer care and engagement. HLB's ethos of being Digital-At-The-Core powered by customers-at-the-forefront will continue to lead us to innovate offerings in line with our aspiration of being a highly digital and innovative financial services organization.