senior credit management executive.

We are seeking an experienced credit analyst/approver to manage the evaluation and approval process for Hire Purchase loan applications. This role requires a candidate who possesses strong decision-making authority and the leadership to mentor junior staff.

about the job

• Credit Decisioning & Approval: Independently evaluate and approve Hire Purchase (HP) loan applications, strictly adhering to internal guidelines and regulatory procedures.

• Credit Recommendations: Provide expert credit recommendations for applications that fall outside immediate authority levels or require higher-level management review.

• Approval Authority: Exercise delegated credit approval authority, typically ranging from RM80,000 to RM150,000.

• Analytical Review: Conduct thorough independent credit reviews, including the assessment of income documents to ensure financial viability.

• Verification: Perform rigorous verification of customer personal and employment data to mitigate fraud and credit risk.

• Team Mentorship: Lead, guide, and mentor a small team of junior credit executives, fostering a culture of high performance and knowledge sharing.

• Process Management: Attend to ad-hoc requests and support the department in maintaining a high standard of credit assessment.