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About Standard Chartered We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East. To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good. We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base. The Role Responsibilities
To grant a prudent credit decision by assessing and evaluation customer's creditworthiness (including existing customer and new applicant) for Unsecured Products
To assess Unsecured Lending in accordance with the established credit policy and guidelines
To ensure quality of all approved facilities and on behalf of the team to deal with internal / external auditor, regulator if required
Monitor and report suspicious transaction / activities to Fraud Team
To handle other Retail Lending products as per line manager's assignment
Assist Manager/ Senior Manager, Credit Initiation to execute Risk Operations strategy direction and manage country Credit Initiation activities and initiatives and processes effectively and efficiently
To work with various stakeholders and provide timely feedback and assistance on design, implement and deliver of various business initiatives
Provide feedback to credit policy team on applications trend and observations to uphold approving quality and to provide grounds for policy refinement
To assist the ongoing credit review on claimed cases and provide assistance for various guaranteed applications
Investigate and help to resolve the complaints cases or fraud cases on ah-hoc basis
To exercise delegated authorities to conduct credit evaluation and make credit decision by assessing and evaluating customer's creditworthiness (including existing customer and new applicant) per prevailing credit policies and regulatory guidelines.
Provide continuous coaching to the Team and ensure good credit and underwriting quality to be maintain at the time of credit underwriting
To manage the operations and streamline the end-to-end workflow to ensure services rendered meet the agreed service standards (TAT)
To work closely with the underwriting team and relevant stakeholders to ensure a smooth workflow and improved productivity with and control-measures in place
To review and identify gaps arising from Internal Audits/regulatory reviews and design the process revamp to bridge the gaps accordingly
Our Ideal Candidate
Degree holder, major in Banking & Finance / Accounting
Relevant experience in the banking sector
Solid exposure as a credit approver with strong underwriting skill, fraud detection knowledge
Able to work independently
Good team player
Apply now to join the Bank for those with big career ambitions.
Internal Number: 6114230
About Standard Chartered Bank
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