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We are seeking an experienced credit analyst/approver to manage the evaluation and approval process for Hire Purchase loan applications. This role requires a candidate who possesses strong decision-making authority and the leadership to mentor junior staff.
Job Responsibility:
Independently evaluate and approve Hire Purchase (HP) loan applications, strictly adhering to internal guidelines and regulatory procedures
Provide expert credit recommendations for applications that fall outside immediate authority levels or require higher-level management review
Exercise delegated credit approval authority, typically ranging from RM80,000 to RM150,000
Conduct thorough independent credit reviews, including the assessment of income documents to ensure financial viability
Perform rigorous verification of customer personal and employment data to mitigate fraud and credit risk
Lead, guide, and mentor a small team of junior credit executives, fostering a culture of high performance and knowledge sharing
Attend to ad-hoc requests and support the department in maintaining a high standard of credit assessment