Job Descriptions Make sound credit decisions for Consumer residential mortgage and secured loan applications (such as auto loan, financial assets secured loans) according to the credit authority delegated by Credit Committee – Level 1 and ensure credit decisions are complied with the regulatory requirements and credit policies. Analyse and recommend credit applications that require approval of higher authorities. Monitor service quality of the process and approval flow to ensure efficiency and effectiveness. Communicate closely with Branch associates, Business Units, Support Centre, Pre-approval Team to ensure the required credit information for credit assessment and approval. Provide workable and constructive feedback to Head of Secured Product Approval to improve process flows & system logic for better efficiency. Participate in approval system enhancement project and UAT. Provide continuous support, on job training and guidance to junior staff. Requirements University degree with least 8 years relevant experience or at least 5 years credit approval experience in Consumer loans, particularly on mortgage and secured lending. Expertise in the approval process and credit assessment for mortgage and secured lending with good credit analytical skills. Good communication and interpersonal skills. Ability to work independently and under pressure. Proficiency in both English and Chinese. Matured, self-motivated and detailed oriented. Sound knowledge in application software.
x
