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

Hong Leong Bank; Petaling Jaya; On-site; MYR 50,000 - 75,000; Full time

Job summary

Hong Leong Bank in Malaysia seeks a Loan Processing Associate to support the Auto Loan Centre. You will handle loan processing, data entry, KYC via phone, documentation, and customer inquiries to ensure timely credit decisions.

You will work under the Centre Manager, review applications, escalate non-processable cases, and maintain records in accordance with bank guidelines while delivering quality service to customers.

Qualifications

• 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

Responsibilities

• Loan processing, data entry, case mitigation and customer service in Auto Loan Centre
• Assist the Centre Manager to oversee daily operations
• Review loan applications and reject unqualified cases
• Verify and process loan applications for credit approval
• Perform thorough KYC via phone interview with loan applicants
• Follow-up with customers on pending documents
• Scan and upload documents to LOAD$ system
• Assist in pricing deviation and escalate processable cases to management
• Mentor and guide new/junior staff
• Maintain office equipment and data accuracy according to bank guidelines

Skills

Communication

Interpersonal skills

Independent work

Typing speed 40 WPM

Confidential information handling

Proactive

Education

Tertiary education

Job description

Job Responsibilities

• Loan processing, data entry, case mitigation, customer service, FIS lodgment, disbursement documentation and compliance ambassador in Auto Loan Centre Functional (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 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.

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.