Job Description

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Business Planning

• 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 customer\'s 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.

Credit Follow-up Function

• Assess / 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 with the assistance from credit analyst.

Loan Rehabilitation Function (if applicable)

• 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.
• When necessary, recommend workflow improvement to increase efficiency and productivity.
• Provide timely reporting of Department operations.
• Ensure cost effectiveness in unit operations.

Communication

• Resolve problems when necessary.
• Keep abreast with new guidelines / procedures

Customer Relations

• Advise customers where necessary; provide professional, efficient and courteous service.
• Provide feedback on customers\' complaints and needs if applicable.

CIMB