Senior Credit Loan Executive
LBS Bina Group Berhad
Date: 2 weeks ago
City: Petaling Jaya
Contract type: Full time
Job Scope: Credit Loan Executive
Position Summary
The Credit Loan Executive is responsible for managing the loan repayment process, ensuring timely follow-up with clients, and reviewing applicants’ portfolios to assess loan eligibility and creditworthiness. The role requires a combination of customer service skills, financial analysis, and excellent communication to ensure smooth loan operations.
Key Responsibilities
Position Summary
The Credit Loan Executive is responsible for managing the loan repayment process, ensuring timely follow-up with clients, and reviewing applicants’ portfolios to assess loan eligibility and creditworthiness. The role requires a combination of customer service skills, financial analysis, and excellent communication to ensure smooth loan operations.
Key Responsibilities
- Payment Follow-ups:
- Monitor and track loan repayment schedules for all clients in the system.
- Proactively follow up with clients who have overdue payments through phone calls, emails, and SMS.
- Resolve payment-related issues and provide clients with clear instructions regarding payment procedures and options.
- Coordinate with internal teams to send reminders and alerts to clients about upcoming payments or overdue balances.
- Maintain a record of all communications with clients regarding payment status and updates.
- Prepare and submit periodic reports on overdue payments and recovery status to management.
- Work closely with lawyer to escalate overdue cases when necessary.
- Portfolio Review and Analysis:
- Review loan applicants’ financial portfolios, including income, assets, liabilities, and credit history.
- Conduct risk assessments to determine the applicant's ability to repay the loan based on the analysis of their financial documents.
- Evaluate loan requests and provide recommendations regarding loan approval or denial, ensuring compliance with company policies and regulations.
- Ensure that all loan documentation is accurate and complete before submitting for approval.
- Customer Support and Relationship Management:
- Provide exceptional service to clients, answering queries about loan products, payment terms, and account balances.
- Work with clients to address and resolve issues related to late payments, loan modifications, and restructuring requests.
- Offer financial guidance and recommendations to clients on loan management and payment strategies when needed.
- Compliance and Reporting:
- Ensure adherence to all relevant financial regulations, company policies, and industry best practices related to loan repayment and applicant assessment.
- Maintain accurate records of client interactions, payment status in the system.
- Prepare and submit periodic reports on payment collection efficiency, portfolio performance, and credit risk analysis.
- Collaboration with Cross-functional Teams:
- Work closely with other departments to streamline loan processes and resolve customer issues efficiently.
- Provide feedback on loan products and processes to enhance customer experience and improve operational efficiency.
- Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
- Strong analytical and problem-solving skills.
- Good knowledge of risk management practices.
- Excellent communication and interpersonal skills.
- Proficiency in MS Office (Excel, Word, PowerPoint).
- Strong attention to detail with the ability to manage multiple tasks and meet deadlines.
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