Unsecured Credit Approval Specialist

Key Responsibilities:

Strategy and Planning

Responsible for all credit perspective of the applications including ensuring compliance/ adherence with credit policies, guidelines and regulations, portfolio review.

Business Performance and Management

Assist in all administrative functions of the Consumer Credit Operations Unit.

Collate data for monthly reporting and assist to prepare reports as required.

People Management

Advise Personal Bankers and Team Managers on credit related issues.

Regulatory Compliance

Manage proper credit evaluation of facility applications and completion of documentation in accordance with policies and procedures. Adhere to Group’s standards portfolio / bulk reviews.

Ensure compliance / adherence with credit policies and regulatory guidelines.

Recommend and approve limits up to the appropriate delegated authority.

Any other responsibilities/tasks as assigned by the Management from time to time.

Adhere to Service Level Agreement (SLA) for approval status as applicable:

Ploans: 90% within 1 day.

Credit Cards / Cashlite: 90% within 3 days.

Ensure portfolio risk/reward profile is within company risk appetite. Manage acquisition quality, portfolio quality and low side overrides.

Job Specification:

Minimum Diploma holders in any disciplines.

Experience in Credit Card and Personal Loan processing a must.

Computer proficiency in MS Word, Excel and PowerPoint.