Manager - Personal Financial Services Credit (Credit Evaluation- Cards)

hlb; Kuala Lumpur; On-site; MYR 36,000 - 72,000; Full time

Job summary

Hong Leong Bank is seeking a Credit Card Applications Officer to review and evaluate applications in accordance with guidelines and processes. The role focuses on accurate income verification, fraud detection, and timely loan approvals within delegated authority, while maintaining quality metrics and compliance with BNM and internal policies.

The ideal candidate holds a Bachelor's Degree with 1–2 years in related banking, and CCP/CCE certification is advantageous.

Qualifications

• Bachelor's degree or equivalent required.
• 1–2 years of relevant work experience in credit/banking preferred.
• CCP/CCE certification is an advantage.

Responsibilities

• Check completeness of application form and documents.
• Review supporting income documents and calculate verified income.
• Detect fraudulent applications and escalate suspected fraud to FMU.
• Perform loan approval within delegated authority and in line with credit policies.
• Maintain good booking quality as reflected by IL/NCL rates.
• Provide recommendations for applications beyond the officer's approving authority.
• Verify customer information as required.
• Ensure customer complaints are resolved promptly and professionally.
• Timely reporting of suspicious money laundering activities (if any).
• Adhere to all credit policies, procedures, and applicable guidelines.
• Perform other tasks as assigned by supervisor.

Skills

Credit underwriting

Fraud detection

Documentation review

Income verification

AML awareness

Education

Bachelor's Degree

Job description

To process and evaluate Credit Cards (CC) applications in accordance to guidelines and procedures, ensuring consistent delivery of high quality services to customers and meeting objectives set by the department while maintaining credit losses at an acceptable level.

Functional (job responsibilities)

• To check completeness of application form and documents;
• Review supporting income documents and calculate verified income accurately;
• To detect fraudulent application, tampered / suspicious documents and ensure timely fraud escalation to Fraud Management Unit;
• Perform loan approval within delegated approving authority limit and required TAT while adhering to existing credit underwriting guidelines and policies;
• To maintain good booking quality measured through IL / NCL rates;
• To provide recommendation for credit applications beyond the credit officer's approving authority limit or where deviation approval is required;
• Perform verification on customer's personal and/or employment information where required;
• To ensure customer's complaint is being handled and resolved in a timely and professional manner;
• Timely reporting of suspicious money laundering activities. (If any);
• Ensure strict adherence to all credit policies, procedures, BNM guidelines, compliance & etc;
• Any other task assigned by superior from time to time.

Jobholder Requirements

Education/Qualification

Professional or tertiary qualification or related working experience.

Experience

Candidate must possess at least a Bachelor's Degree, Post Graduate Diploma, Professional Degree, Economics, Finance/Accountancy/Banking, Business Studies/Administration/Management, Commerce or equivalent; At least 1-2 year(s) of working experience in the related field is required for this position.

Special Skills

Having CCP / CCE Certification is an 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.