Auto Finance Sales - Kota Kinabalu

CIMB Bank Berhad; Sabah; On-site; MYR 30,000 - 42,000; Full time

Benefits offered by this job

On-the-job training

Career development opportunities

Exposure to credit operations

Job summary

CIMB Bank Berhad is seeking a fresh graduate for an Auto Loan Operations role based in Malaysia. You will engage with dealers and customers to secure quality auto loans, collect and review applications, and ensure compliance with credit guidelines and KYC/CDD requirements.

You will work with internal teams to generate leads, verify documents, and update systems. The role offers on‑the‑job training and opportunities to grow within banking operations.

Qualifications

• Diploma, Higher Diploma, or Degree in Banking, Finance, Business, or a related field.
• Fresh graduates are encouraged to apply.
• Strong communication and interpersonal skills to build lasting business relationships with dealers and customers.
• Good attention to detail and willingness to learn.

Responsibilities

• Achieve sales targets by securing quality auto loans, based on the company’s target customer and product mix.
• Build and maintain strong relationships with customers, dealers, and internal teams to generate business leads.
• Collect and review loan applications from dealers, customers, or sales teams, ensuring all required documents meet our credit guidelines.
• Interview applicants and perform Know Your Customer (KYC) / Customer Due Diligence (CDD) for higher‑risk cases.
• Verify identification, income and vehicle documents, and enter details into the Auto Credit System (ACS).
• Ensure Credit Application is created timely to meet Turnaround Time compliance.
• Oversee Letters of Undertaking to dealers and follow up on Hire Purchase agreements and related documents.

Skills

Communication skills

Interpersonal skills

Attention to detail

Willingness to learn

Education

Diploma/Degree in Banking, Finance, Business

Job description

In this role, your responsibilities will include:

Achieve sales targets by securing quality auto loans, based on the company's target customer and product mix.

Build and maintain strong relationships with customers, dealers, and internal teams to generate business leads.

Collect and review loan applications from dealers, customers, or sales teams, ensuring all required documents meet our credit guidelines.

Make sure customers give consent for credit bureau checks before proceeding with their applications.

Interview applicants (by phone or in person) and perform Know Your Customer (KYC), Customer Due Diligence (CDD), or Enhanced CDD for higher-risk cases.

Verify identification, income, and vehicle documents.

Enter loan application details into our Auto Credit System (ACS), ensuring accuracy and completeness.

Ensure Credit Application is created timely to meet targeted Turnaround Time compliance

• All non-individual (e.g., company) applications.
• Individual applications that exceed our credit limits.
• Other cases as required.

Update dealers daily on the status of loan applications submitted.

Oversee the issuance of Letters of Undertaking to dealers and follow up on Hire Purchase (HP) agreements and related documents.

Share the Product Disclosure Sheet (PDS) and explain HP agreements to customers; witness and verify agreement signing.

Investigate and follow up on delayed approvals or disbursements.

Prepare proposals for panel dealers and any additional facilities they request.

Conduct site visits when needed.

Assist in preparing reports for the Business Manager.

Perform other duties as assigned by management.

Job Requirements

Diploma, Higher Diploma, or Degree in Banking, Finance, Business, or a related field.

Fresh graduates are encouraged to apply. Candidates with up to 1 year of relevant experience are also welcome.

Strong communication and interpersonal skills to build lasting business relationships with dealers and customers.

Good attention to detail and willingness to learn.

Why This Role is Great For Fresh Graduates

You'll gain exposure in both sales and credit operations, giving you well-rounded banking experience.

You'll work closely with dealers, customers and internal teams - a great way to grow your professional network.

You'll be part of a fast-paced and dynamic team with opportunities to learn and grow.

Why Join Us?

• On-the-job training and guidance from experienced managers
• Exposure to both credit operations and customer engagement
• Career development opportunities in the banking and finance sector

Kindly be informed that only shortlisted candidates will be notified.

CIMB is one of ASEAN's leading banking groups and Malaysia's second largest financial services provider, by assets. Listed on Bursa Malaysia via CIMB Group Holdings Berhad, it had a market capitalisation of approximately RM81.6 billion as at 31 March 2026. It offers consumer banking, commercial banking, wholesale banking, transaction banking, Islamic banking and asset management products and services. Headquartered in Kuala Lumpur, the Group is present across ASEAN in Malaysia, Indonesia, Singapore, Thailand, Cambodia, Vietnam and the Philippines. Beyond ASEAN, the Group has market presence in China, Hong Kong and UK.

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