Secured & Unsecured Credit Analysis (AVP-VP)

CIMB Thai Bank

CIMB Thai Bank (Bangkok City, Thailand)

Bangkok, Thailand

CIMB Thai Bank Public Company Limited, previously known as Bank Thai Public Company Limited, was established in 1998 with the Financial Institutions Development Fund (FIDF) as the major shareholder. On 5 November 2008, CIMB Bank Berhad became the largest shareholder in Bank Thai and on 4 May 2009, the Bank completed the registration of its new name: "ธนาคาร ซีไอเอ็มบี ไทย จำกัด (มหาชน)" in Thai and "CIMB Thai Bank Public Company Limited" in English. This name change reflects the official transition of Bank Thai from being a single company to a member of CIMB Group.

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Job function: Customer Service

Industries: Banking & Financial Services Management and Consultancy Services

About this position

To manage and supervise team to achieve operational excellence to be in line with best practice in underwriting process.

Responsibilities

• To support on strategic planning in alignment with bank’s policies
• To analyze and recommend a decision (approve/reject/decline) on secured credit application based on product program’s parameters, collateral assessment (if applicable), credit scoring, credit decision engine (CRDE) and/or credit judgment as per delegated credit authority within agreed service level agreement (SLA)
• To analyze and recommend a decision (approve/reject/decline) on cash secured credit application (Cash Link) based on product program and as per delegated credit authority within agreed service level agreement (SLA)
• Responsible to manage secured credit team for handling account maintenance and annual review for renewal extension of secured OD (Cash Links) as per product program.
• To manage secured credit team in order to adequately support expected business volume.
• To train and/or coach secured credit team with essential credit knowledge to be able to work effectively and to be able to cover other RC’s colleague when necessary or require
• To control and monitor underwriting process for secured loan aiming to achieve operational excellence i.e. improve productivity; shorten Turn-Around-Time (TAT) etc.
• To ensure that the control process, procedure, internal guideline is timely updated.
• Collaborate with Retail Credit Risk Team / Loan Product to update and/or recommend change in the credit policy as appropriated.
• Manage relationship with Branch/DS and provide constructively feedback and an advice for the better TAT and customer experience.
• To ensure that the control process of quality check has been done on a daily basis and feedback or raise the issues found for discussion if necessary
• To review and revise the control guideline on a timely basis.
• To ensure that the operational process of approval debt restructuring (NDR/TDR) has been managed properly and as per committed TAT.

Requirements

• Bachelor’s degree or higher in Administration / Finance or related fields
• At least 8 - 10 years of experience in Retail Credit Underwriting
• At least 3 - 5 years being in management role.
• Have good knowledge of secured loans.
• Strong analytical skill in credit analysis
• Excellent in people management and leadership skill
• Competent in project management as well as process improvement
• Good knowledge of related regulations and market practice particularly on mortgage lending
Remark: The Bank requires the verification of criminal records prior consideration for employment to ensure secured and maintain standards of the organization.