To ensure all auto financing applications received from Auto Finance Centres (AFCs) are duly evaluated and credit decisions are made promptly and in line with the Bank's Credit Policy and Guidelines so as to contribute towards department's and Bank's business objectives to be the excellent and best provider in retail banking.
Key Responsibilities:
- To perform evaluation and credit decisions in respect of loan applications received from AFC is in line with the Bank's Credit Policy and Guidelines/Business Rules.
- To ensure timely credit decision and maintain high standard level of asset quality of the customers within credit risk appetite of the bank.
- To ensure the credit decisions are made within personal to holder of the granted delegated authority and to prudently exercise the over-riding of the exception cases.
- To improve efficiency and effectiveness of RCRM-Auto continuously in providing services to AFC in order to meet the standard imposed by the Bank.
- Review and assess appeal cases, customer's request for change in credit terms, e.g. loan amount, interest rate, period of loan, etc.
- Continuously educate and monitor AFC's performances and underwriting skills.
- To ensure knowledge and skills are competent through training as well as participation and staff engagement in the department / Bank as a whole.
- To conduct Quality Assurance for Straight Through Process and Quality Approval for cases approved by AFC.
- To support ACS CR, UAT, Production defects and resolution.
- Assist in revision of credit guidelines, SOP and monthly reports.
- Other duties and responsibilities as and when requested by superior.
