AVP/ Manager, Secured Product Approval (Consumer Credit)

Job Descriptions

• Make sound credit decisions for Consumer residential mortgage and secured loan applications (such as auto loan, financial assets secured loans) according to the credit authority delegated by Credit Committee – Level 1 and ensure credit decisions are complied with the regulatory requirements and credit policies. 
• Analyse and recommend credit applications that require approval of higher authorities.
• Monitor service quality of the process and approval flow to ensure efficiency and effectiveness. 
• Communicate closely with Branch associates, Business Units, Support Centre, Pre-approval Team to ensure the required credit information for credit assessment and approval.
• Provide workable and constructive feedback to Head of Secured Product Approval to improve process flows & system logic for better efficiency.
• Participate in approval system enhancement project and UAT.
• Provide continuous support, on job training and guidance to junior staff.

​Requirements

• University degree with least 8 years relevant experience or at least 5 years credit approval experience in Consumer loans, particularly on mortgage and secured lending.
• Expertise in the approval process and credit assessment for mortgage and secured lending with good credit analytical skills.
• Good communication and interpersonal skills.
• Ability to work independently and under pressure.
• Proficiency in both English and Chinese.
• Matured, self-motivated and detailed oriented.
• Sound knowledge in application software.