Job description: Job Responsibilities: Underwriting Establish and implement a structured Credit Card & Personal Loan credit underwriting standard, process and tools to assist in credit decision making and early identification of risk issues and building of appropriate controls / pre-emptive measures to ensure quality loans bookings to safeguard the Bank's interest to contain credit provision / losses and support business growth. Establish, implement and monitor the robustness of credit validation, evaluation and approval process with continuous fine-tuning of process and performance monitoring to improve credit turnaround time. Establish, implement and monitor the robustness of credit review process with continuous fine-tuning of process to identify weak credits for proactive remedial actions Establish and implement a robust fraud detection / prevention framework to minimize fraud losses. To provide accurate information to management in order to assist in the making sound business decision To ensure optimum resource utilization with continuous process improvement / re-engineering initiatives for effective costs management, talent development and retention. To ensure Bank and regulatory policies and guidelines are being implemented and adhered to at all time. Service Quality To manage, guide and train the processing and review teams to ensure the primary objectives of meeting the turnaround time and policy guidelines are met. To conduct regular briefing sessions and credit meetings with sales staff on operational and credit matters to ensure each side's expectations are met To continuously work on streamlining work processes to improve on turnaround time and productivity To provide support and guidance to Sales/Credit staff on credit matters and loan application submissions. To emphasize on teamwork Compliance To process loan applications are according to the approved policies & guideline To observe both internal and external audit requirement during their scheduled periodic review To observe policy guidelines e.g. AMLA and ORM Framework and data integrity are met To documents and file all workings accordingly. People To conduct training, briefing & coaching session with staffs for purpose of grooming potential staff Job Requirements: Minimum of 3 years' experience in underwriting credit for consumer and business banking. Sound experience in credit, banking and regulatory policies Customer focus Good interpersonal, presentation & communication skills Good people & conflict management Good time management Proactive qualities Credit Evaluation & decision skill Resource planning Negotiation skills Computer i.e.: office software Detection of tampered documents & fraud applications