Manger, Processing & Credit Approval (Secured Products)

• Underwrite and approve secured credit applications in accordance with Bank’s credit policy, delegation pf authority, underwriting criteria & lending guidelines and regulatory requirement
• Support mortgage business acquisition and provide service within standard turnaround time
• Provide Account Officers with product briefings before launch of new credit product(s) and service(s) as well as workflow of loan origination
• Liaise with internal departments (e.g. Loan Administration and Internal Valuation Department) and external business partnership (e.g. Hong Kong Mortgage Corporation and appointed surveyor firms) to resolve operational hiccups along loan origination process
• Assist head of unit to lead & execute ad hoc credit projects; such as loan file review for mortgage sales to HKMC and system enhancement

• University graduate or above in any discipline
• Minimum 5 years’ credit approval experience in consumer property mortgage
• Familiar with relevant policies and procedures of a Bank as well as regulatory requirements of property mortgage
• Demonstrate excellent communication skills and play a proactive role in initiating the improvement of credit process flow
• Ability to work independently and preform under pressure is essential
• Proficiency in English and Mandarin
• PC proficient. Exposure in system development is an advantage