Lending Specialist, SME

Job Responsibilities:

• To acquires new SME borrower and grow SME loan book at the branch
• To evaluate loan applications and submit a comprehensive analyzed credit memo.
• Ensure that bank’s credit principles and policies are followed and complied.
• Ensure that deviations from the bank’s credit management processes/procedures/policies are identified and properly addressed.
• Collect supporting documents from borrowers for the loan applications and to verify the repayment sources of income.
• Conduct site visits and inspections where necessary to verify the applications and attend meeting with borrowers to discuss loan proposals to understand their businesses.
• Make sound recommendations based on quality analysis and ensure timely submission of the credit memos for approval.
• Response to queries raised by Credit Risk Management Team on the loan applications
• Monitor the loans review date and ensure prompt review of loans.
• Monitor progressive loans and post-disbursement conditions to ensure compliance of conditions imposed.
• Ensure proper filing of documents for the Corporate Borrowers.
• Liaising and follow up with CAD for the issuance of LO and loans releases.

Job Requirements:

• Bachelor degree in banking and finance or related file
• At least 2 years of experience in Banking
• Skills/knowledge in Loan processing and Sales
• Ability to acquires loan and deposit customer
• Sound written and verbal English communication skills. Chinese Speaking is an additional advantage
• Computer Skills (Ms. Word, Excel, and Power Point).