To support on strategic planning in alignment with bank’s policies
To analyze and recommend a decision (approve/reject/decline) on secured credit application based on product program’s parameters, collateral assessment (if applicable), credit scoring, credit decision engine (CRDE) and/ or credit judgment as per delegated credit authority within agreed service level agreement (SLA)
To analyze and recommend a decision (approve/reject/decline) on cash secured credit application (Cash Link) based on product program and as per delegated credit authority within agreed service level agreement (SLA)
Responsible to manage secured credit team for handling account maintenance and annual review for renewal extension of secured OD (Cash Links) as per product program.
To manage secured credit team in order to adequately support expected business volume.
To train and/or coach secured credit team with essential credit knowledge to be able to work effectively and to be able to cover other RC’s colleague when necessary or require
To control and monitor underwriting process for secured loan aiming to achieve operational excellence i.e. improve productivity; shorten Turn-Around-Time (TAT) etc.
To ensure that the control process, procedure, internal guideline is timely updated.
Collaborate with Retail Credit Risk Team / Loan Product to update and/or recommend change in the credit policy as appropriated.
Manage relationship with Branch/DS and provide constructively feedback and an advice for the better TAT and customer experience.
To ensure that the control process of quality check has been done on a daily basis and feedback or raise the issues found for discussion if necessary
To review and revise the control guideline on a timely basis.
To ensure that the operational process of approval debt restructuring (NDR/TDR) has been managed properly and as per committed TAT
Qualifications
Bachelor’s degree or higher in Administration / Finance or related fields
At least 8 - 10 years of experience in Retail Credit Underwriting
At least 3 - 5 years being in management role.
Have good knowledge of secured loans.
Strong analytical skill in credit analysis
Excellent in people management and leadership skill
Competent in project management as well as process improvement
Good knowledge of related regulations and market practice particularly on mortgage lending
Skills
Product Service
Underwriting
Credit Analysis
Secured Financing
Account management
Functions
Accounting & Finance
Job Overview
Job Type:
Full-Time
Company
CIMB Thai Bank
14 active jobs
Industry:
Banking & Finance
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