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AVP/ Manager, Secured Product Approval (Consumer Credit)

China Construction Bank (Asia) Corporation Limited Hong Kong
Posted 4 days ago Permanent negotiable
Provide professional credit assessment and analysis on Consumer residential mortgage and secured loan applications (such as auto loan, financial assets secured loans)

Job Descriptions

  • Make sound credit decisions for Consumer residential mortgage and secured loan applications (such as auto loan, financial assets secured loans) according to the credit authority delegated by Credit Committee – Level 1 and ensure credit decisions are complied with the regulatory requirements and credit policies. 
  • Analyse and recommend credit applications that require approval of higher authorities.
  • Monitor service quality of the process and approval flow to ensure efficiency and effectiveness. 
  • Communicate closely with Branch associates, Business Units, Support Centre, Pre-approval Team to ensure the required credit information for credit assessment and approval.
  • Provide workable and constructive feedback to Head of Secured Product Approval to improve process flows & system logic for better efficiency.
  • Participate in approval system enhancement project and UAT.
  • Provide continuous support, on job training and guidance to junior staff.

​Requirements

  • University degree with least 8 years relevant experience or at least 5 years credit approval experience in Consumer loans, particularly on mortgage and secured lending.
  • Expertise in the approval process and credit assessment for mortgage and secured lending with good credit analytical skills.
  • Good communication and interpersonal skills.
  • Ability to work independently and under pressure.
  • Proficiency in both English and Chinese.
  • Matured, self-motivated and detailed oriented.
  • Sound knowledge in application software.
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