Retail Credit Services Officer

Job description

The jobholder is to ensure that the section operates within set credit policies / guidelines and work closely with the department head and Portfolio and Risk Management (PRM) to maximize rewards and minimize losses. He / she must support the on-going workflow enhancements towards achieving operational efficiency, minimize overheads / costs without compromising quality, security and risks of financial losses. Contributes to the increase in the unit's profitability by managing key financial control functions.

Impact on the Business / Function

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Ensure the operational procedures of Credit Approval conforms to the rules and operating regulations as stipulated in RRP, FIM and guidelines set by Bank Negara Malaysia.

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Ensure close monitoring of operational and credit approval processes that must be carried out promptly and accurately within the given authority,

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Ensure compliance with ongoing operational and credit processes as guided by PRM and in accordance to all audit requirements.

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Approve within PLA limits granted.

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To maintain and achieve the cost of operation to be within the budgeted AOP.

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To oversee the operation and governance of Offshore team

Customers / Stakeholders

· Ensure customer enquiries (both internal / external) are attended to and resolved effectively and efficiently within the agreed SLA.
· Ensure that feedbacks given and reviewed and used constructively for on-going improvements / enhancements to workflow procedures and to drive towards change, without compromising on quality and risks.
· Ensure good professional relationship with branch network and DST team to ensure smooth end-to-end customer experience.

Leadership & Teamwork

· Ensure to identify staff training needs for staff development and growth. Motivate staff towards building team spirit to boost desirable productivity and performance.
· Ensure constant counseling, coaching and regular meetings are held with the staff.

Operational Effectiveness & Control

· Ensure the costs incurred for the various credit processing units (including outsourced work to vendors) are being closely monitored and tracked.Ensure costs / expenditures are regularly scrutinized and overheads are controlled.
· Ensure high credit review assessment standard of credit analysis in this unit and continuously improve on credit review / approval quality via coaching / process reviews.
· Ensure daily approved output are tracked and monitored to ensure high productivity, efficiency and effectiveness

Desired profile

Qualifications :

Requirements
·  Possess Diploma or Degree
·  Excellent customer engagement and able to communicate well with all stakeholders.
·  Good Planning and Organizing skills are needed for this role.
·  Able to work under stress.
·  The job requires good understanding of HUB Loans System / HUB Import Export System / Credit Card System and PC skills.
·  Require sufficient lateral thinking and analytical skills as well as interpersonal skills.
·  Only Malaysian citizens are encouraged to apply

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Issued by HSBC Bank Malaysia Berhad.