CREDIT LOAN EXECUTIVE / 信貸貸款執行官

Armani Group


Date: 13 hours ago
City: Shah Alam
Contract type: Full time
職位概述

我們正在尋找一位積極主動、注重細節的信貸經理,負責管理我們的貸款組合,確保按時還款,並評估申請人的信用狀況。此職位集客戶關係管理、財務分析和風險評估於一體,直接促進公司的財務健康和客戶滿意度。

主要職責

  • 貸款償還及收回
  • 監控和追蹤所有客戶的還款計畫。
  • 透過信件、電話、電子郵件和簡訊提醒主動跟進逾期付款。
  • 解決與付款相關的問題並提供明確的還款指示。
  • 與內部團隊和法律顧問合作,升級和管理逾期案件。
  • 定期編製逾期帳款、追收狀況及收款效率的報告。
  • 信用評估與投資組合審查
  • 分析申請人的財務狀況,包括收入、負債、資產和信用記錄。
  • 進行風險評估並建議批准或拒絕貸款申請。
  • 提交前確保貸款文件的準確性和完整性。
  • 保持遵守內部政策和監管要求。
  • 客戶支援與關係管理
  • 為客戶提供貸款產品、還款方式和帳戶餘額的專業支援。
  • 與客戶和銷售團隊合作處理付款問題、貸款重組和修改。
  • 提供財務建議,幫助客戶有效管理其貸款承諾。
  • 合規與報告
  • 遵守所有公司政策、財務法規和行業最佳實務。
  • 維護所有客戶互動和付款狀態的準確和最新記錄。
  • 產生有關投資組合表現和信用風險分析的定期報告。
  • 跨職能協作
  • 與銷售、法律和營運團隊合作,簡化貸款流程。
  • 提供回饋,以持續改善貸款產品和營運效率。


資格

  • 金融、會計、工商管理或相關領域的文憑或學士學位。
  • 較強的分析與風險評估能力。
  • 熟悉貸款業務和信用管理。
  • 優秀的溝通和人際交往能力。
  • 熟練使用*Microsoft Office(Excel、Word、PowerPoint)*。
  • 高度組織性,注重細節,能夠在緊迫的期限內處理多項任務。


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