Credit Team Leader (Secured Lending) – Consumer CreditAdd expected salary to your profile for insights.
ResponsibilitiesEvaluate and approve secured lending loan applications (Mortgage, Wealth Financing, and other Secured financing applications), including 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 warnings, recommending appropriate credit risk mitigation actions.
Drive and enhance the efficiency of credit approval processes and productivity, focusing 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 facilities reviews are performed timely and accurately.
Ensure loan applications are processed by the team within set turnaround time and approving authority.
Ensure assigned reports are duly updated timely and accurately.
Support the department in capacity planning, efficiency, 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.
QualificationsAt 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.
Possess professional credit certification would be an added advantage.
Schedule: Permanent
Type: Full-time
Job Posting Date: 02-Dec-2024, 7:27:42 AM#J-18808-Ljbffr