Assistant Manager, Credit Initiation

Job Description: 

Job Summary

•    Grant a prudent credit decision by assessing and evaluating customer’s creditworthiness (including existing customer and new application) for Retail mortgage and wealth management products
•    Manage the daily operations of the Credit Initiation units (Secured Lending) to ensure services rendered meet the agreed service standards
•    Regularly review work steps to improve productivity on services provided and control measures.
•    Ensure consistency in underwriting standard.
•    Facilitate and support launch of new products

Key Responsibilities

•    Actively participate in different projects in identifying improvement area so as to improve the turnaround time and accuracy.
•    Support new business initiatives, marketing program launches and revenue initiatives.

•    Grant a prudent credit decision by assessing and evaluating customer’s creditworthiness (including existing customer and new application) for Retail mortgage and wealth management products
•    Manage the daily operations of the Credit Initiation units (Secured Lending) to ensure services rendered meet the agreed service standards
•    Regularly review work steps to improve productivity on services provided and control measures.
•    Ensure consistency in underwriting standard.
•    Facilitate and support launch of new products

•    Conduct credit assessment on consumer credit applications per credit policies and regulatory guidelines
•    Comprehend the prevailing fraud type so as to deter and prevent from fraud attack 
•    Comply with all applicable money laundering prevention procedures and in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer and line manager.

Skills and Experience

•    Broad understanding of banking information management infrastructure and operational processes
•    Ability to provide strategic direction to the function
•    Strong leadership qualities, with the ability to motivate and lead teams in changing & challenging situations
•    Strong analytical and dispute resolution skills, and the ability to command the respect of a cross functional set of professionals at a senior level
•    Ability to make independent decisions with a strong sense of empowerment
•    Skills in project management and process improvement