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

Hong Leong Bank; Malaysia; On-site; MYR 60,000 - 90,000; Full time

Job summary

Hong Leong Bank is seeking a diligent loan processing professional to support daily centre operations. The role involves reviewing loan applications, performing credit checks, and ensuring KYC compliance through phone interviews and document verification.

The successful candidate will assist in pricing deviations, maintain documentation, and mentor junior staff while managing customer queries and complaints in a fast-paced banking environment.

Qualifications

• Excellent communication and interpersonal skills.
• Typing speed of 40 WPM with high accuracy.
• Able to work independently in a fast-paced environment.

Responsibilities

• Assist Centre Manager to oversee daily operations.
• Review and process loan applications for credit approval.
• Perform KYC via phone interviews and document verification.

Skills

Communication skills

Typing speed 40 WPM

Independence

Customer service

Education

Tertiary education or equivalent

Job description

Job 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)
• Assist in pricing deviation
• 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
• Experience in administration, customer service or credit processing will be an added 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.