Credit Officer, CCO - Unsecured Credit MY

Job Category: CreditJob Description:Key Responsibilities

To analyse and process Unsecured Financing, Credit Card applications and 1MY AML alerts with complete set of documentation and information for new and existing customer.
Ensure applications are processed within the stipulated turnaround time, achieving the KPI's set and customers' expectation is met.
Perform verification of applicant with relevant parties to ensure the genuineness of the applicant and employment details. To be alert in detecting and preventing any potential elements of fraud or fraud applications.
Follow-up of documents via RCSU or email.
To performed Verbal Acceptance task for Unsecured Financing.
To compute and update applicant's income, Debt Service Ratio and other relevant variable accurately before performing the Centralized Retail Decision Engine (CRDE).
To evaluate, analyse and approve credit facilities within credit practices based on credit check findings and CCRIS conduct.
To perform CTOS, Interpol and AML Fuzzy name search and update the finding into RCSU.
To perform UAT Testing, escalate and follow up in the event facing any system issues.
Exercising individual discretionary authority accordance to approval granted by management and ensures quality and accuracy.
To undertake any other directives, duties and ad-hoc tasks assigned by Management from time to time.

Qualification

Bachelor Degree or Professional Qualification in the relevant discipline (Banking/ Accounting/Finance/Business/Economics) or its related courses