Executive, Personal Financial Services (Auto Loan Sales)-4

Hong Leong Bank; Seberang Perai; On-site; MYR 39,000 - 61,000; Full time

Job summary

Hong Leong Bank in Malaysia seeks talents for a loan sales role in Penang. You will secure new auto loans, build strong dealer relationships, ensure compliant loan documentation, perform KYC, and guide cases from application to disbursement.

The candidate should have at least SPM/O-Level or higher, fluent English and Bahasa Malaysia, good communication skills, own transport, and readiness for fresh graduates or those with up to 1 year in Banking or Auto sectors.

Qualifications

• Must possess at least SPM or O Level or equivalent.
• Good verbal and written communication in English and Bahasa Malaysia.
• Able to build relationships with customers and car dealers.
• Fresh graduates or with up to 1 year banking or auto industry experience.

Responsibilities

• Meet sales targets by securing new loans.
• Maintain good relationships with dealers and stakeholders.
• Ensure documents for loan applications comply with guidelines.
• Interview applicants and perform thorough KYC; CTOS checks.
• Provide credit write-ups and follow up on cases to disbursement.
• Communicate case status daily to dealers and customers.

Skills

Sales & negotiation

Interpersonal skills

Communication skills (English & Bahasa

KYC & documentation handling

Relationship building with dealers

Education

SPM / O-Level

Diploma / Advanced/Higher/Graduate Diploma

Business Studies/Administration/Management

Job description

We are currently looking for talents to:

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.

Do you have what it takes? We are currently looking for talents who have :-

• 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.