The Role
Analyze and process unsecured financing and credit card applications, verify applicant information, detect fraud/AML issues, compute income and DSR, run credit checks (CTOS, CCRIS) and CRDE decisions, perform UAT and system issue escalation, exercise delegated approval authority, follow up documentation, and complete ad-hoc tasks assigned by management.
Summary Generated by Built In
- To analyse and process Unsecured Financing, Credit Card applications and 1MY AML alerts with complete set of documentation and information for new and existing customer.
- Ensure applications are processed within the stipulated turnaround time, achieving the KPI’s set and customers’ expectation is met.
- Perform verification of applicant with relevant parties to ensure the genuineness of the applicant and employment details. To be alert in detecting and preventing any potential elements of fraud or fraud applications.
- Follow-up of documents via RCSU or email.
- To performed Verbal Acceptance task for Unsecured Financing.
- To compute and update applicant’s income, Debt Service Ratio and other relevant variable accurately before performing the Centralized Retail Decision Engine (CRDE).
- To evaluate, analyse and approve credit facilities within credit practices based on credit check findings and CCRIS conduct.
- To perform CTOS, Interpol and AML Fuzzy name search and update the finding into RCSU.
- To perform UAT Testing, escalate and follow up in the event facing any system issues.
- Exercising individual discretionary authority accordance to approval granted by management and ensures quality and accuracy.
- To undertake any other directives, duties and ad-hoc tasks assigned by Management from time to time.
Skills Required
- Analyze and process unsecured financing and credit card applications with complete documentation
- Process applications within stipulated turnaround times and meet KPIs
- Verify applicant identity and employment details; detect and prevent fraud
- Follow up on required documents via RCSU or email
- Perform Verbal Acceptance tasks for unsecured financing
- Compute and update applicant income, Debt Service Ratio (DSR), and other variables accurately before CRDE
- Evaluate, analyze and approve credit facilities per credit practices and CCRIS findings
- Perform CTOS, Interpol and AML fuzzy name searches and update findings in RCSU
- Perform UAT testing, escalate and follow up on system issues
- Exercise individual discretionary approval authority as granted by management
- Undertake other directives, duties and ad-hoc tasks assigned by management
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The Company
What We Do
CIMB Group is a leading ASEAN universal bank, one of the largest Asian investment banks and one of the world's largest Islamic banks. We are headquartered in Kuala Lumpur, Malaysia and offer consumer banking, commercial banking, wholesale banking, Islamic banking, and asset management products and services. As the fifth largest banking group in ASEAN, we have over 36,000 staff in 16 locations across ASEAN, Asia and beyond. CIMB Bank and CIMB Islamic Bank are members of PIDM.
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