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This role is responsible for loan processing, data entry, case mitigation, customer service, FIS lodgment, disbursement documentation and compliance ambassador in Auto Loan Centre
Functional
- Assist the Centre Manager to oversee daily business operations
- Review loan application submitted by EHP, unqualified cases to be reject outright
- Verify and process loan application for credit approval
- Scan VSO, consent form, income document and other necessary documents
- Perform thorough KYC via phone interview conversation with loan applicant
- Follow-up with customer on any pending document for loan approval
- Calculate business income from Bank statement
- Data entry and upload necessary documents into LOAD$ system
- Follow-up with EHP/dealer on loan processing KIV and advice on loan pricing
- Loan processing
- -Review loan application submitted by SMS
- -Verify and process loan application for credit approval which required system access (RAMCI and FIS / Redbook)
- -Assist in pricing deviation
- -Segment cases into processable or non processable
- -Escalate processable cases to CED to recommend outright reject non processable cases for Manager's review
- Loan mitigation-Perform credit evaluation and recommendation
- -Review cases to see if extra documents are required
- Assist EHP on witnessing and signing of loan agreement
- Attend to phone or walk-in customer queries and complaints
- Perform FIS lodgment
- Compile loan documentations according to Bank guidelines for disbursement
- Follow up with EHP/dealer on funding defect
- Manage sales tracking tools and reporting
- Conduct annual Centre review on fixed asset and dispose obsolete asset
- Responsible for gift fulfillment on sales campaign
- Perform monthly stock count on premium item
- Maintain positive business relationship with all stakeholders
- Recommend or fine-tune processes to improve business operations
- Mentor and guide new/junior employee
- Involvement in ad-hoc or any other related task deemed required
Managerial
- Ensure office equipment and work area are maintained clean, safe and organized
Education/Qualification
- Minimum tertiary education or equivalent certificates qualification
- Good communication and interpersonal skills
- Proactive, customer-oriented and able to work independently
- Ability to work in a fast paced environment, under short time constraints and within established deadlines
- Minimum 40 WPM typing speed with high accuracy
- Ability to handle and maintain confidential information
Experience
- Experience in administration, customer service or credit processing will be an added advantage
