Executive, Documentation & Disbursement

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Job Summary

To perform and execute daily BAU post acceptance operational activities process for Consumer Financing and Business Financing portfolio related activities through performance management metrics for best-in-class performance while ensuring full compliance with Group policies, regulatory and statutory guidelines.

Key Responsibilities 
1.    To execute the overall Kuching region BAU daily post acceptance operational activities as follows: 
a)  for Consumer financing products-
•    Issuance of letter of instruction, issuance of LON/ LOV 
•    Vetting of security documents
•    Power of Attorney execution
•    Release of advice (first/progressive) include authorizing disbursement for payment in LOS as per ASL
•    Outstanding Security Document/Perfection of Charge/Safe in Safe Out (OSD/POC/SISO)
•    Redemption
•    Discharge
•    Others Post Disbursement related matters
 
b) for Business Financing products with consists of:-
•    Issuance of letter of instruction
•    PA execution upon confirmation from FCAD Central
•    Verify original physical documents received from solicitors
•    Perfect and disburse STP Cases (Scheme Financing) as and when
•    Liaison officer for BUs concerning FCAD matters 
 
are performed within the agreed SLA and protect the Bank’s interests at all times.

2.    To liaise with relevant stakeholders (internal and external) e.g. Product, Sales, Relationship Manager, AQM, solicitors, developers, valuer, insurance/takaful providers, Legal, Developers, PNB, university representatives etc.
3.    To ensure perfection of the legal documentation are in order.
4.     To prepare and authorize voucher / maintenance form for disbursement of Consumer Financing portfolio cases, after ensuring all documents in release advice are perfected in accordance with the terms and conditions in the Letter of Offer and in compliance with group policies, regulatory and legal guidelines.
5.    To ensure the release advice/progressive claim master record, LOS, SIBS or any related system are maintained and updated in timely manners. 
6.    Establish well-balanced, effective, and good working relationship and provide value added support to other related teams internally including trainings and briefing.
7.    Maintain accurate master records, listings, and system updates for monitoring and reporting purposes.
8.    Assist Unit Head in addressing complaints received and provide input for action plans to prevent recurrence.
9.    Foster effective relationships and provide value-added support to other related teams internally.
10.    To assist and relief other team members within the section or other sections within the Department as and when required.
11.    To assist Unit Head, Section Head and HOD in manning cost to ensure expenses are within approved budget.
12.    To carry out any additional duties as assigned by Unit Head, Section Head and Head, FCAD from time to time.
13.    To participate actively (self and / or team) in various process re-engineering within FCAD & Bank’s initiated projects. 
14.    Act as a Power of Attorney (PA) for the Bank in accordance to approved PA terms.

Requirement & Skills
-    SPM/STPM/Diploma/Degree in Banking/Business/Finance or its related discipline
-    Any professional qualification from IBBM etc.
-    At least 2 years working experience in related fields.
-    Experience in managing volume in operations job.
-    Effective written and spoken communication skills – English Language & Bahasa Malaysia
-    Good knowledge in legal documentation /conveyancing and respective Land laws regulations
-    Good working knowledge in the Bank’s policies and procedures 
-    Good inter-personal skills, a team player and ability to communicate well with all level of personnel.