Sales Consultant, Auto Finance

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Job Purpose

• Responsible for marketing Hire Purchase (HP) financing / loan products, acquiring HP sales, sourcing new dealers, and maintaining close business relationships with existing dealers. Cross-selling HP-related products or Bank’s products.

Accountabilities

• Market HP products and establish new dealer partnerships for the branch, maintaining good business relationships.
• Achieve sales targets for Hire Purchase and Cross Selling, ensuring asset quality and reasonable yield.
• Verify the completeness of documents submitted by dealers, including verifying against originals and witnessing loan document execution.
• Conduct interviews with applicants, inspect vehicles, and visit sites to verify the business or residence of applicants if required.
• Monitor market share with existing dealers and keep credit processing staff updated on current market trends.
• Stay informed about the latest Bank and regulatory policies, guidelines, manuals, and circulars, ensuring compliance. This includes the Bank’s Credit Authority Framework, Credit Instruction Circulars, Code of Ethics, BNM Responsible Financing Guidelines, Product Transparency and Disclosure Guidelines, Policy on Single Counterparty Exposure Limit, Prohibited Business Conduct Guidelines, Fair Debt Collection Practices, and relevant Acts such as the Financial Services Act 2013, Hire Purchase Act 1967, Personal Data Protection Act 2010, and Anti-Money Laundering Act 2001.
• Ensure data integrity, workflow, and process requirements are met, with timely submission of reports.
• Act as an authorized signatory.
• Undertake any other duties assigned by Management.