Keep abreast with business developments to secure opportunities as and when they arise.
Source for potential customers through business referrals.
Carry out groundwork preparation i.e., obtaining information on potential customers financial status, business viability and prospects.
Meet with existing / potential customers for rapport building.
Make site visits to check business operations.
Credit Recommendation
Obtain details and comprehensive information to facilitate proper assessment of customers needs.
Perform proper loan evaluation and through credit analysis.
Ensure proper assessment of collateral value.
Recommend suitable credit package in a profitable manner.
Perform A/A write-up promptly and properly.
Post Approval Function
Ensure prompt preparation of letters of offer; check to ensure incorporation of all terms and conditions.
Arrange for customers acceptance of facilities.
Verify customers signatures and check to ensure prompt updating of customers records.
Recommend suitable credit package in a profitable manner.
Perform A/A write-up promptly and properly.
Credit Follow-up Function
Assets / review customers financial health, business prospects, conduct of accounts and utilization of facilities to either source for additional business opportunities or to spot early signs of financial deterioration.
Make site visits to monitor business operations.
Monitor facilities already disbursed to ensure their compliance with A/A terms and conditions.
Prompt / proper preparation of renewals and C/As additional facilities required.
Loan Rehabilitation Function
Carry out loan rehabilitation till stage of summons for civil action and originating summons for foreclosure action.
Control
Ensure compliance with the following:
Bank's policies / guidelines
All OMs, HRMs and SSPs
Ruies of Bank Negara and other regulatory bodies.
Review work methods / systems to improve efficiency and productivity.
Provide timely reporting of Department operations.
Ensure cost effectiveness in unit operations.
Communication
Interpret directives / disseminate information to staff for better job direction.
Resolve problems when necessary.
Keep abreast with new guidelines / procedures and to brief staff accordingly.
Customer Relations
Advise customers where necessary; provide professional, efficient and courteous service.
Provide feedback on customers complaints and needs.
