Asst Manager - Personal Financial Services Credit (Credit Evaluation - Cards)

HLB; Kuala Lumpur; On-site; MYR 67,000 - 100,000; Full time

Job summary

Hong Leong Bank in Malaysia seeks a detail-oriented professional to verify loan applications and detect fraud while adhering to credit policies. You will review income documents, perform verifications, and escalate complex cases to the Fraud Management Unit.

The role requires a relevant degree and experience in credit or banking operations. The position emphasizes accuracy, timely processing, and adherence to internal guidelines.

Qualifications

• Bachelor's degree or higher required.
• 1–2 years of related experience preferred.
• CCP/CCE certification is an advantage.

Responsibilities

• Check completeness of application form and documents.
• Review income documents and calculate verified income accurately.
• Detect fraudulent documents and escalate to Fraud Management Unit.
• Perform loan approval within delegated authority and TAT guidelines.
• Maintain booking quality as measured by IL/NCL rates.
• Provide recommendations for credit beyond approving authority.

Skills

Fraud detection

Credit assessment

Data verification

Communication

Education

Bachelor's degree

Job description

Functional (job responsibilities)

• To check completeness of application form and documents;
• Review supporting income documents and calculate verified income accurately;
• To detect fraudulent application, tampered / suspicious documents and ensure timely fraud escalation to Fraud Management Unit;
• Perform loan approval within delegated approving authority limit and required TAT while adhering to existing credit underwriting guidelines and policies;
• To maintain good booking quality measured through IL / NCL rates;
• To provide recommendation for credit applications beyond the credit officer's approving authority limit or where deviation approval is required;
• Perform verification on customer's personal and/or employment information where required;
• To ensure customer's complaint is being handled and resolved in a timely and professional manner;
• Timely reporting of suspicious money laundering activities. (If any);
• Ensure strict adherence to all credit policies, procedures, BNM guidelines, compliance & etc;
• Any other task assigned by superior from time to time.

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.