Executive - Personal Financial Services (Sales Advisor, Credit Processing)

Hong Leong Bank; Kuala Lumpur; On-site; MYR 100,000 - 150,000; Full time

Job summary

A leading financial institution in Kuala Lumpur is seeking a skilled individual to assist in overseeing daily business operations and managing loan processing. The ideal candidate will possess a minimum tertiary education, excellent communication skills, and the ability to work in a fast-paced environment. Responsibilities include reviewing loan applications, performing KYC procedures, and mentoring junior employees. This role offers a dynamic workspace conducive to professional development and customer satisfaction.

Qualifications

• Good communication and interpersonal skills are required.
• Proactive and customer-oriented with the ability to work independently.
• Minimum 40 WPM typing speed with high accuracy.

Responsibilities

• Assist to oversee daily business operations.
• Review and process loan applications.
• Perform thorough KYC with loan applicants.
• Attend to customer queries and complaints.
• Mentor and guide new/junior employees.

Skills

Good communication and interpersonal skills

Proactive and customer-oriented

Ability to work in a fast-paced environment

Ability to handle confidential information

Education

Minimum tertiary education or equivalent

Job description

Responsibilities

• Assist the Centre Manager to oversee daily business operations;
• Review loan application submitted by EHP, unqualified cases to be reject outright;
• Verify and process loan application for credit approval;
• Scan VSO, consent form, income document and other necessary documents;
• Perform thorough KYC via phone interview conversation with loan applicant;
• Follow-up with customer on any pending document for loan approval;
• Calculate business income from Bank statement;
• Data entry and upload necessary documents into LOAD$ system;
• Follow-up with EHP/dealer on loan processing KIV and advice on loan pricing;
• Loan processing;
• Review loan application submitted by SMS;
• Verify and process loan application for credit approval which required system access (RAMCI and FIS / Redbook);
• Segment cases into processable or non processable;
• Escalate processable cases to CED; to recommend outright reject non processable cases for Manager’s review;
• Loan mitigation – Perform credit evaluation and recommendation;
• Review cases to see if extra documents are required;
• Assist EHP on witnessing and signing of loan agreement;
• Attend to phone or walk-in customer queries and complaints;
• Perform FIS lodgment;
• Compile loan documentations according to Bank guidelines for disbursement;
• Follow up with EHP/dealer on funding defect;
• Manage sales tracking tools and reporting;
• Conduct annual Centre review on fixed asset and dispose obsolete asset;
• Responsible for gift fulfillment on sales campaign;
• Perform monthly stock count on premium item;
• Maintain positive business relationship with all stakeholders;
• Recommend or fine-tune processes to improve business operations;
• Mentor and guide new/junior employee;
• Involvement in ad-hoc or any other related task deemed required.

Managerial

• Ensure office equipment and work area are maintained clean, safe and organized.

Education/Qualification

• Minimum tertiary education or equivalent certificates qualification;
• Good communication and interpersonal skills;
• Proactive, customer-oriented and able to work independently;
• Ability to work in a fast paced environment under short time constraints and within established deadlines;
• Minimum 40 WPM typing speed with high accuracy;
• Ability to handle and maintain confidential information.

Experience

• Experience in administration, customer service or credit processing will be an added advantage.