Manage credit administration, ensure compliance, oversee loan operations, guide documentation processes, and train team. Maintain regulatory standards and prepare audit documentation.
If you are looking to excel and make a difference, take a closer look at us…
Functional (job responsibilities)
Credit Administration
- To ensure proposed credit facilities/conditions adhere with the Bank’s policies, guidelines, conditions of approvals and legal requirement and ensuring all necessary approval have been obtained
- Preparation of facility and credit documents such as facility letters, standard bank forms and legal documents for Borrowers execution
- Checking and review of conditions precedent for credit documentation and ensuring compliance of these conditions prior to activation of facility limits
- To monitor for condition subsequent, post disbursement conditions and credit documentation and ensure close follow-up for completeness
- To work with business units, legal counsels, credit and policy owners to resolve documentation matters
- Liaising with legal counsel for repayment, redemption and cancellation of facilities to ensure smooth completion of documentation
- Monitoring and tracking of outstanding, expiry and renewal of credit documents, insurances valuation reports and credit & loan covenants
- To safe-keep and perform custodian functions for credit files, security and collateral documents.
- Obtaining legal fee quote, engagement and appointment of external legal counsels, foreign legal counsels, insurers and valuers
- Ensuring prompt payment of legal fees, insurance premium and valuation fees
- Attending to request from Credit and Business Units for retrieval of executed documents
- Update and System Maintenance of credit review date, Borrower information and details such as classification of Borrowers
- Ensure effective control of all areas and monitor the accuracy and efficiency of daily operations
- Manage and approve day-to day limits management of drawdowns, such as limit activation/maintenance, earmarking of collaterals, foreign currency drawings and repayments
- Ensure daily, weekly, monthly, quarterly, semi-annual and annual reports to internal stakeholders, Management, Head Office and Central Banks within the Branch are accurate and sent timely
- Provision of Pre and Post Disbursement Documentation checklist to CED for annual review
- UAT testing and spearheading of on-going projects such as Omnibus Financing
- Conduct review of panel of valuers and Insurers on annual basis with the relevant stakeholders
- To ensure Business Contingency Plan for the department is up to date
- To operationalize new processes with regards to changes of new products and services
- To streamline processes and improve operational efficiency
- Preparation of monthly Credit Committee meeting pack
Control
- Review implementation and control of acceptable collateral, cap price, single counter limit ad grandfathering of shares.
- Review and monitor margin call, excess collateral shortfall, overdue instalment, and other credit exceptions and track for ratifications and approval.
- Review and monitor outstanding documentations, special covenants and conditions for compliance.
- Review and monitor compliance with regulatory limits.
Loan Operations
- To monitor and provide guidance to the loan processing such as new loan drawdown, loan rollover, loan prepayment and repayment to ensure transactions are processed timely and accurately
- To monitor and provide guidance on loan administration such as verification of authorized signatories, repayment schedules, fee calculation, loan collection and loan restructuring etc.
- To monitor and provide guidance for fee collection, issuance loan advices, cashier’s orders, fee advices, audit confirmations, annual loan interest statements and other ad-hoc requests from customers/RM.
- To monitor and provide guidance on fee collection and payment for insurance coverage
- To monitor and perform checker’s role and authorization for other team members’ inputs where required to ensure accuracy and timely in processing/settlement of the transactions.
Compliance
- To be familiar with local law and regulation and ensure compliance to rules and regulations in terms of documentation and reporting
- To ensure that Credit Admin SOP (Standard Operating Procedure) is up to date
Managerial (team/group responsibilities)
·To provide credit admin related guidance and training to department staff·To promote teamwork among the staff in the department·To lead by example and improve team overall morale and efficiencyOrganizational (organizational responsibilities)
- To carry out any other duties as directed by Company Management
About Hong Leong Bank
We are a leading financial institution in Malaysia backed by a century of entrepreneurial heritage. Providing comprehensive financial services guided by a Digital-at-the-Core ethos has earned us industry recognition and accolades for our innovative approach in making banking simpler and more effortless for our customers. Our digital and physical offerings span across a vast nationwide network in Malaysia, strengthened with an expanding regional presence in Singapore, Hong Kong, Vietnam, Cambodia, and China.
We seek to strike a balance between diversity, inclusion and merit to achieve our mission of infusing diversity in thinking and skillsets into our organisation. Candidates are assessed based on merit and potential, in line with our mission to attract and recruit the best talent available. Expanding on our “Digital at the Core” ethos, we are progressively digitising the employee journey and experience to provide a strong foundation for our people to drive life-long learning, achieve their career aspirations and grow talent from within our organisation.
Realise your full potential at Hong Leong Bank by applying now.
Top Skills
Compliance Monitoring
Credit Administration
Loan Processing Systems
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