Job Description

-To plan, execute and monitor the robustness of Consumer Credit management framework via implementation of sound credit underwriting standard, processes and tools effectively with the objective of assisting Consumer Banking in achieving its agreed profit and growth objectives.
-To approve loans within credit policies and business plans.

Underwriting/Credit Processing
-Establish and implement a structured 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.
-Ensure robustness of credit validation, evaluation and approval process with continuous fine-tuning of process and performance monitoring to improve credit turnaround time.
-Implement a robust fraud detection / prevention framework to minimize fraud losses.

Compliance
-To process loan applications are according to the approved policies & guidelines.
-To observe both internal and external audit requirements during their scheduled periodic review.
-To observe policy guidelines eg AMLA and ORM Framework and data integrity are met.
-To document and file all workings accordingly.

Service Quality
-Manage, guide and train the processing and review teams to ensure the primary objectives of meeting the turnaround time and policy guidelines are met
-Conduct regular briefing sessions and credit meetings with sales staff on operational and credit matters to ensure each side’s expectations are met
-Continuously work on streamlining work processes to improve on turnaround time and productivity
-Provide support and guidance to Sales/Credit staff on credit matters and loan application submissions.

People
-Oversee career development plans of key resources for robust succession planning and to build healthy talent inventory for key positions
-Oversee day to day capacity planning & forecasting, ensuring adequate resources are in place to execute the strategies, and deliver business goals
-Encourage and promote an active learning environment to facilitate excellence in credit evaluation, through measuring and motivating staff.
-Accountable for compliance to Bank’s Code of Ethics

Cost Management
-Maintain accurate and robust monthly cost management and forecasting discipline, to meet cost budget and forecast challenges
-Understand key cost drivers; trends and seasonality.
-Champion continuous process improvements, re-engineering initiatives to maximize cost efficiencies.

Job Requirements