Intern, Credit Administration

Key Responsibilities

1. Financing Documentation & Verification

• Prepare and review financing documentation to ensure completeness, accuracy, and compliance with approved financing terms and conditions.

• Verify supporting documents, customer information, and approval conditions prior to documentation and disbursement.

• Ensure all required documentation is obtained and properly executed before financing release.

• Follow up on pending documents and outstanding conditions to facilitate timely completion of financing files.

2. Disbursement Administration

• Process financing disbursements in accordance with approved authority limits, operational procedures, and service standards.

• Perform pre-disbursement checks to ensure all approval conditions have been fulfilled.

• Ensure accurate processing of payments, settlement instructions, and disbursement transactions.

• Maintain proper records of all disbursement activities and supporting documentation.

3. Security Documentation Management

• Ensure financing agreements, security documents, guarantees, and related documents are properly executed and maintained.

• Monitor the safekeeping, filing, and retrieval of original financing and security documents.

• Assist in ensuring stamping, registration, and other legal documentation requirements are completed within stipulated timelines.

• Maintain accurate records and tracking of security documents.

4. Operational Control & Compliance

• Ensure all activities comply with internal policies, Standard Operating Procedures (SOPs), regulatory requirements, and audit standards.

• Conduct quality checks on documentation and transactions to minimise operational risks and errors.

• Escalate discrepancies, irregularities, or operational issues to supervisors for timely resolution.

• Support audit reviews, compliance assessments, and regulatory inspections as required.

• Ensure all assigned tasks, documentation, financing agreements, stamping, registration, disbursement, and post-disbursement activities are completed within stipulated timelines to mitigate operational risks and avoid regulatory breaches, financial losses, potential fines, penalties, or adverse audit findings.

5. Record Management & Data Integrity

• Maintain accurate and complete financing records within the institution's systems.

• Ensure timely updating of customer, financing, and collateral information.

• Perform periodic reconciliation and verification of operational records.

• Ensure proper document retention and archival in accordance with company policies and regulatory requirements.

6. Stakeholder Coordination

• Liaise with Credit Evaluation, Business Development, Finance, Legal, and other departments to facilitate smooth financing processing.

• Provide updates on documentation status, disbursement progress, and operational matters.

• Assist in resolving operational issues and customer-related enquiries within established service standards.

7. Reporting & Administrative Support

• Prepare operational reports relating to documentation, disbursement, and pending cases.

• Monitor and report ageing items, outstanding documentation, and operational exceptions.

• Assist management in compiling data for regulatory reporting, audits, and management information purposes.

8. Continuous Improvement

• Participate in process improvement initiatives aimed at enhancing operational efficiency and service quality.

• Provide feedback on operational challenges and recommend improvements to workflows and controls.

• Support system enhancement testing and implementation activities when required.