Job Summary: - The job holder of this position is responsible for overseeing the credit operations within the assigned regional branches, ensuring adherence to company policies and TAT (Turnaround Time) for loan processing. - The Regional Credit Officer will also play a key role in recruitment, MIS analysis, and maintaining strong customer relationships while ensuring compliance with internal controls. Results: - Ensure that the judgmental credit decisions are made in accordance with the risk appetite and risk strategy. - Ensure compliance with all regulatory and internal policies related to credit management and loan processing. Responsibilities: - Conduct regular branch audits and infrastructure checks to ensure compliance with company standards and policies. - Monitor branch operations and processes to identify areas for improvement. - Manage the file login, receiving, checking, and approval processes for customer applications, ensuring timely disbursement and dispatch. - Oversee TAT management, tracking the duration from log-in to disbursement on a daily basis. - Maintain a comprehensive record of total pendency and ensure adherence to TAT requirements. - Monitor and analyze credit reporting submissions from credit officers to ensure accuracy and compliance with company policies. - Prepare and share login versus status reports with Relationship Managers (RM), Senior Heads (SH), and Assistant Vice Presidents (AVP) to maintain transparency. - Conduct regular training sessions for credit officers to enhance their understanding of company policies and procedures. - Conduct MIS analysis, focusing on TAT metrics from login to disbursement and PDD (Post-Dated Cheques) submissions. - Maintain RCU (Risk Control Unit) and FCU (Fraud Control Unit) operations to minimize risks associated with credit processes. - Identify fraudulent cases during the credit assessment process and report findings to the credit manager at Head Office (HO) and relevant RMs or SHs. - Oversee branch administration activities, ensuring smooth operations and adherence to compliance requirements. - Ensure timely completion of PDD processes within the branch. Experience (Industry Type & Duration): Essential: Minimum 3 to 4 years of experience Qualification: Essential: - Masters degree in Finance, Accounting, Business Administration, or a related field. Preferred Skills: - Strong understanding of credit policies, loan processing, and compliance regulations. - Excellent analytical and problem-solving skills with the ability to assess credit profiles based on company policy. - Proficient in financial reporting tools and MS Excel for data analysis and reporting. - Strong communication and interpersonal skills to effectively manage teams and client relationships.

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MAS Financial Services - Regional Credit Officer - Unsecure Loans 

Job Description for MAS Financial Services - Regional Credit Officer - Unsecure Loans  in MAS Financial Services Ltd in  Others for (3-4) years of experience. Apply Now!