Personal Loan Credit Officer

Hong Leong Bank; Kuala Lumpur; Presencial; MYR 36.000 - 72.000; Jornada completa

Descripción de la vacante

Hong Leong Bank Berhad in Malaysia is seeking a diligent Loan Officer to evaluate personal loan applications in line with our policies. You will assess credit risk, ensure timely decisions, and maintain high booking quality while supporting sales teams.

You will participate in reporting, monitor suspicious activity, and contribute to process improvements through automation and learning, with opportunities to grow within a digitally focused bank.

Formación

• Bachelor's degree or higher in Economics/Finance/Banking/Business
• At least 1–2 years of working experience in the related field
• CCP / CCE certification is an advantage

Responsabilidades

• Evaluate, recommend and approve personal loan applications in accordance to Bank’s Policies & SOPs.
• To maintain good booking quality measured through Impaired Loan (IL) / Net Credit Loss (NCL) rates.
• To manage reworks & appeal applications from sales personnel.
• To ensure timely reporting & escalation of suspicious & fraudulent applications.
• To perform any other task(s) assigned by superior from time to time.

Conocimientos

Attention to detail

Credit evaluation

Fraud detection

Communication skills

Educación

Bachelor's Degree

Post Graduate Diploma

Professional Degree

Descripción del empleo

If you are looking to excel and make a difference, take a closer look at us…

Job Description

Functional (job responsibilities)

• To evaluate, recommend and approve personal loan applications in accordance to Bank’s Policies & Standard Operating Procedures;
• To maintain good booking quality measured through Impaired Loan (IL) / Net Credit Loss (NCL) rates;
• To manage reworks & appeal applications from sales personnel;
• To ensure timely reporting & escalation of suspicious & fraudulent applications;
• To perform any other task(s) assigned by superior from time to time.

Managerial (team/group responsibilities)

• To ensure all personal loan applications are evaluated and decisioned within the specified turnaround time;
• To perform post credit review to identify area for improvement in terms of asset quality, policies & processes;
• To share knowledge/ experience/ insights and support team members at work and escalates issues to management for further direction and decision where necessary.

Organizational (organizational responsibilities)

• To continuously re-engineer processes and system automation to improve overall customer experience, productivity, automation & cost savings;
• To participate in new & ad hoc projects and/ or initiatives undertaken by department and Bank.

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.