Wealth Lending Solutions Specialist

Hong Leong Bank; Malaysia; On-site; MYR 120,000 - 180,000; Full time

Job summary

Hong Leong Bank in Malaysia seeks a wealth lending professional to partner with RMs, ICs and Product Specialists, delivering credit support and seamless client experiences for Private & Priority Banking clients. You will drive lending activity, build pipelines from NTB/ETB/NTP leads and structure loan proposals with robust risk mitigation.

The role requires strong credit acumen, collaboration across Sales, Credit and Ops, and the ability to pre-screen requests, prepare documents, and support

Responsibilities

• Collaborate cross teams with stakeholders be it RMs, ICs, Credit, Ops to drive wealth lending product awareness and activity across the Bank’s sales distribution network.
• Partner with RMs and ICs to structure tailored account plan with financing solutions for Private and Priority Banking clients.
• Join in new prospect and client meetings with RMs / ICs to assess client’s needs and perform advisory on wealth lending propositions eg. Portfolio Financing, OD-UT, Share Margin.
• Act as 1st line to identify new opportunities by pre-screening lending requests and structuring loan proposals that work for both the client and Bank.
• Facilitate loan application for the client and ensure a seamless client experience throughout the engagement journey.
• Support RMs to submit the Portfolio Financing new loan applications (credit write-ups + supporting materials), renewals and amendments to Credit, and ensure all relevant info are captured on the applications / credit write up for completeness.
• Ensure credit requests comply with internal policies, meet the respective product parameters, credit guidelines and regulatory requirements with appropriate risk mitigants if needed.
• Assist with meeting preparation and documentation for client discussions.
• Partner closely with Sales teams to support drawdown execution to meet client’s liquidity needs or investment trade settlement.
• Manage BAU credit support activities and follow up with the client / RM on outstanding items.
• Manage expectations through strong communication with clients, RMs and ICs and Bank’s touchpoints.
• Keep abreast of industry developments, market sentiments and competitors’ offerings and share insights periodically with Product, Sales and Credit teams to enhance lending frameworks.
• Identify client demands, needs and trends to shape our future wealth lending product offering.
• Attend to queries from Sales RMs, Area Managers, RCGMs, Credit, Ops, BCB RMs etc in a timely manner.
• Respond to loan servicing issues eg. client’s queries on loan account balances, facility utilization, account statement.
• Work with Sales Management / Analytics to identify potential leads and build pipelines to deepen wallet share with clients.
• Work with Product teams to review / fine-tune product construct by providing ongoing feedback.
• Monitor the lending portfolio for signs of weakness / overconcentration in any 1 asset class and recommend solutions to de-risk.
• Schedule ongoing ground engagements with Bank’s touchpoints eg. Business Channels, Branch Managers, Area Managers to increase NTB and NTP penetration.
• Contribute to the wealth lending loan growth target with business prudence.

Job description

Job Overview

If you are looking to excel and make a difference, Job Overview The incumbent will partner with RMs, ICs and Product Specialists to deliver credit support and seamless client experience for our Private & Priority Banking clients and drive lending activity on the ground, nurture and grow new opportunities. Build pipelines with RMs, Team Heads, Area Managers by sourcing out NTB/ETB/NTP leads to penetrate and convert. Possess good credit acumen with ability to mitigate financing risk to ensure robustness of our credit portfolio.

Key Responsibilities

Collaborate cross teams with stakeholders be it RMs, ICs, Credit, Ops to drive wealth lending product awareness and activity across the Bank’s sales distribution network. Partner with RMs and ICs to structure tailored account plan with financing solutions for Private and Priority Banking clients. Join in new prospect and client meetings with RMs / ICs to assess client’s needs and perform advisory on wealth lending propositions eg. Portfolio Financing, OD-UT, Share Margin. Act as 1st line to identify new opportunities by pre-screening lending requests and structuring loan proposals that work for both the client and Bank. Facilitate loan application for the client and ensure a seamless client experience throughout the engagement journey. Support RMs to submit the Portfolio Financing new loan applications (credit write-ups + supporting materials), renewals and amendments to Credit, and ensure all relevant info are captured on the applications / credit write up for completeness. Ensure credit requests comply with internal policies, meet the respective product parameters, credit guidelines and regulatory requirements with appropriate risk mitigants if needed. Assist with meeting preparation and documentation for client discussions. Partner closely with Sales teams to support drawdown execution to meet client’s liquidity needs or investment trade settlement. Manage BAU credit support activities and follow up with the client / RM on outstanding items. Manage expectations through strong communication with clients, RMs and ICs and Bank’s touchpoints. Keep abreast of industry developments, market sentiments and competitors’ offerings and share insights periodically with Product, Sales and Credit teams to enhance lending frameworks. Identify client demands, needs and trends to shape our future wealth lending product offering. Attend to queries from Sales RMs, Area Managers, RCGMs, Credit, Ops, BCB RMs etc in a timely manner. Respond to loan servicing issues eg. client’s queries on loan account balances, facility utilization, account statement. Work with Sales Management / Analytics to identify potential leads and build pipelines to deepen wallet share with clients. Work with Product teams to review / fine-tune product construct by providing ongoing feedback. Monitor the lending portfolio for signs of weakness / overconcentration in any 1 asset class and recommend solutions to de-risk. Schedule ongoing ground engagements with Bank’s touchpoints eg. Business Channels, Branch Managers, Area Managers to increase NTB and NTP penetration. Contribute to the wealth lending loan growth target with business prudence.

About Hong Leong Bank

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.