Executive, Auto Loan Sales

Hong Leong Bank; Malaysia; On-site; MYR 39,000 - 67,000; Full time

Job summary

Hong Leong Bank is seeking a loan sales professional in Malaysia to secure quality loans and foster strong relationships with dealers and customers. You will verify documents, perform KYC, and ensure compliance with guidelines while coordinating with internal teams and external partners.

You will interview applicants, assess credit readiness, and provide clear updates to dealers. Familiarity with LOAD$ and CTOS processes is advantageous, with a focus on timely processing and regulatory adherence.

Qualifications

• Must have good verbal and written communication in English and Bahasa Malaysia.
• Strong selling and negotiation skills.
• Own transport is required.
• Fresh graduates or with minimum 1 year in Banking or Auto industry.

Responsibilities

• Meet sales targets by securing new quality loans.
• Maintain relationships with internal and external stakeholders.
• Ensure loan application documents meet guidelines.
• Verify identification, income and vehicle documents.
• Obtain customer consent before proceeding with applications.
• Interview applicants and conduct thorough KYC.
• Enter data accurately in LOAD$ system.
• Perform CTOS enquiry and prepare credit write-ups.
• Update dealers daily on case status.
• Issue Letters of Undertaking and monitor HP Agreement execution.
• Provide PDS to customers and explain HP Agreement terms.
• Investigate delays in approval/disbursement.
• Prepare proposals for dealership panels and facilities.
• Conduct site visits when required.
• Ad hoc duties as assigned.

Skills

Communication

Interpersonal skills

Negotiation

Adaptability

Sales

Education

SPM/O Level or equivalent

Tools

LOAD$ system

Job description

Functional (job responsibilities)

• Meet sales target by securing new quality loans in line with Management decision on the portfolio mix of products and customers;
• Maintain good business relationship with internal and external stakeholders;
• Ensure documents for loan application received from dealer / customer are in accordance to guidelines requirement;
• Ensure authentication of identification, income and vehicle documents;
• Ensure consent is given by customer before proceeding further on the loan applications;
• Interview applicant and conduct thorough KYC;
• Perform data entry in LOAD$ system and ensure data keyed in is complete and accurate;
• Perform CTOS enquiry;
• Perform credit recommendation or write up to the loan application;
• Constantly update dealers on the status of cases submitted on a daily basis;
• Ensure timely issuance of Letter of Undertaking to dealer and follow up on the execution of HP Agreement and other related documents;
• Serve Product Disclosure Sheet (PDS) and brief customer on the content of HP Agreement and witness the executive of the Agreement compliance;
• Investigate and follow up on cases that have been delayed for approval and disbursement;
• Prepare proposal for panel dealership and other facilities applied by panel dealers;
• Conduct site visits when required;
• Additional responsibility on ad hoc duties as assigned by Management at all times.

Managerial (team/group responsibilities)

• Act as a buddy to new joiners and assist / provide guidance as when needed.

Organizational (organizational responsibilities)

• Develop and manage the relationships with car dealers;
• Cross-sell efforts to provide referrals and leads for Hong Leong Group of companies;
• Adhere to department Standard Operating Procedures (SOP) in complying with audit, compliance and regulatory guidelines.

What it takes

• Malaysia Citizen;
• Candidate must possess at least a SPM/\"O\" Level, Higher Secondary/STPM/\"A\" Level/Pre-U, Diploma, Advanced/Higher/Graduate Diploma, Business Studies/Administration/Management, Commerce, Marketing or equivalent;
• Good verbal and written communication skills in both English and Bahasa Malaysia;
• Good communication and interpersonal skills to build business relationships with customers and car dealers;
• Applicants must have own transport;
• Strong selling and negotiation skills;
• Excellent in adaptability & execution skills;
• Fresh graduates or with minimum 1 year of working experience in Banking or Auto industry.

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.