Executive - Personal Financial Services (Sales Advisor, Credit Processing)

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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