Job Description - Credit Team Leader (Secured Lending) – Consumer Credit (240001RU)
Responsibilities:Evaluate and approve secured lending loan applications (Mortgage, Wealth Financing, and other Secured financing applications), including more complex/deviation applications that require higher approving authority level escalated by credit officers.
Assess and provide detailed recommendations for applications that require higher approving authority.
Supervise and work closely with secured credit officers, providing guidance on risk acceptance criteria and ensuring timely identification of issues/early warning, and recommending appropriate credit risk mitigation actions.
Drive and enhance the efficiency of credit approval processes and productivity with a focus on efficient turnaround time (TAT) and improving customer experience.
Ensure secured lending approvals are within the bank's existing policy and guidelines, risk appetite, with a justifiable basis and set threshold.
Ensure overdraft (OD), risk classification (RC), and post-approval facility reviews are performed timely and accurately.
Ensure loan applications are processed by the team within the set turnaround time and approving authority.
Ensure assigned reports are duly updated timely and accurately.
Support the department in capacity planning, efficiency and productivity initiatives, structured reviews, and other ad-hoc tasks/projects as required.
Work with the secured lending credit team through effective engagement to ensure a high level of competency, uphold OCBC values, and align with the bank's initiatives and strategies.
Qualifications:At least 10 years of relevant credit underwriting experience in consumer secured lending with strong credit fundamentals.
3-5 years in a credit team lead role.
Strong knowledge of the Malaysia property market and real estate business.
Possess a recognized degree in Business Administration, Economics, Banking, Finance, or related disciplines.
Good analytical, written, interpersonal, and communication skills.
Thorough understanding of credit processes and policies, including market knowledge and practices.
Possession of a professional credit certification would be an added advantage.#J-18808-Ljbffr