Senior Executive, Approving Authority

Job Descriptions

• Perform credit underwriting for consumer credit applications.
• Exercise sound credit judgement on consumer credit applications and ensure compliance with regulatory, credit policies and guidelines.
• Ensure consumer credit applications are decisioned within the service level agreement
• Meet KPI set at all times.
• Ensure compliance with graph capping, internal and external policies and guidelines at all times.
• Continually seek improvements to reduce operating costs and shorter turnaround time.
• Understand the department goals to meet monthly financial budget.
• Consistently maintain service delivery quality as per service level agreement.
• Understand stakeholders’ request and needs to support the business.
• To ensure all applications are approved in accordance with all policies/procedures and in adherence to compliance and regulatory requirements.
• To ensure daily KPI set by management on the number of applications approved and turnaround time is met.
• To ensure exercise sound credit
• Judgement to ensure good quality assets.
• Adhere to regulatory and company policies / guidelines.
• Identify and escalate risks inherent in particular situations or transactions.
• Assess, control, monitor and report impact of risks, franchise, regulatory or financial.
• Conduct business and day-to-day activities contributing to a 'no surprise' compliance culture by ensuring adherence to the group's AML program, policies and procedures. Adhere to audit and compliance procedures.
• Adhere to CCRIS regulatory requirement.
• To attend related training to ensure
• Fully equipped with appropriate product knowledge to perform the job function and self-development.

Job Requirements

• Degree preferably in business administration, economics, accounting, banking & finance
• AICB professional credit certification (PCC)
• Business credit professional (BCP)
• Retail credit professional (RCP)
• Certified credit professional (CP)
• Minimum 1 year working experience in banking or finance or similar industry.
• Strong technical skills and knowledge in respect to credit decisioning for consumer loans
• Excellent planning and time management skills
• Self-motivated and result oriented
• Possess good problem-solving skills
• Strong analytical skills