Job Description

• To evaluate and approve secured lending loan applications (Mortgage, Wealth Financing and other Secured financing applications) including more complex / deviation applications that requires higher approving authority level escalated by credit officers.
• To duly assess and provide detailed recommendation for applications that require higher approving authority.
• Supervise and work closely with secured credit officers providing guidance on risk acceptance criteria and ensure timely identification of issues / early warning and ensure / recommend appropriate credit risk mitigation actions.
• To drive and enhance efficiency of credit approval processes and productivity with focus on efficient TAT and improving customersxe2x80x99 experience
• To ensure secured lending approvals are within the bankxe2x80x99s existing policy and guidelines, risk appetite with justifiable basis and set threshold.
• To ensure OD, RC & post approval facilities reviews are performed timely and accurately.
• To ensure loan applications are processed by the team within set turnaround time and approving authority
• To ensure assigned reports are duly updated timely and accurately
• Support the department in capacity planning, efficiency and productivity initiatives, structured reviews and other adhoc tasks / projects as may be required from time to time
• Work with the secured lending credit team through effective engagement with the objective of ensuring high level of competency, upholding OCBC values and alignment to the bankxe2x80x99s initiatives and strategies.

• 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 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 processional credit certification would be an added advantage.

OCBC Bank