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    Manager/Assistant Vice President, Consumer Credit - Malaysia, Kuala Lumpur - Alliance Bank Malaysia Berhad

    Alliance Bank Malaysia Berhad
    Alliance Bank Malaysia Berhad Malaysia, Kuala Lumpur

    Found in: Foundit MY A2 - 5 days ago

    Default job background
    Full time
    Description
    Job description:

    Job Responsibilities:

    Underwriting

    • Establish and implement a structured Credit Card & Personal Loan credit underwriting standard, process and tools to assist in credit decision making and early identification of risk issues and building of appropriate controls / pre-emptive measures to ensure quality loans bookings to safeguard the Bank's interest to contain credit provision / losses and support business growth.
    • Establish, implement and monitor the robustness of credit validation, evaluation and approval process with continuous fine-tuning of process and performance monitoring to improve credit turnaround time.
    • Establish, implement and monitor the robustness of credit review process with continuous fine-tuning of process to identify weak credits for proactive remedial actions
    • Establish and implement a robust fraud detection / prevention framework to minimize fraud losses.
    • To provide accurate information to management in order to assist in the making sound business decision
    • To ensure optimum resource utilization with continuous process improvement / re-engineering initiatives for effective costs management, talent development and retention.
    • To ensure Bank and regulatory policies and guidelines are being implemented and adhered to at all time.

    Service Quality

    • To manage, guide and train the processing and review teams to ensure the primary objectives of meeting the turnaround time and policy guidelines are met.
    • To conduct regular briefing sessions and credit meetings with sales staff on operational and credit matters to ensure each side's expectations are met
    • To continuously work on streamlining work processes to improve on turnaround time and productivity
    • To provide support and guidance to Sales/Credit staff on credit matters and loan application submissions. To emphasize on teamwork

    Compliance

    • To process loan applications are according to the approved policies & guideline
    • To observe both internal and external audit requirement during their scheduled periodic review
    • To observe policy guidelines e.g. AMLA and ORM Framework and data integrity are met
    • To documents and file all workings accordingly.

    People

    • To conduct training, briefing & coaching session with staffs for purpose of grooming potential staff

    Job Requirements:

    • Minimum of 3 years' experience in underwriting credit for consumer and business banking.
    • Sound experience in credit, banking and regulatory policies
    • Customer focus
    • Good interpersonal, presentation & communication skills
    • Good people & conflict management
    • Good time management
    • Proactive qualities
    • Credit Evaluation & decision skill
    • Resource planning
    • Negotiation skills
    • Computer i.e.: office software
    • Detection of tampered documents & fraud applications

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