Dynamic and reliable [Job Title] with [Number] years of retail banking, customer service and consulting experience.
MS Excel expert
Excellent communication skills
Excellent time management skills
Industrial coverage knowledge
Bachelor Communications (Hons)
CIMB Bank BerhadKOTA BHARU, KELANTANASSISTANT BUSINESS MANAGER
Knowing, understanding & keeping up to date on company's rules, term of underwriting, organization structure, policies & procedures, process workflows, IT systems and property & resources in order to be efficient in handling the job.
Building and maintaining good business relationships with dealers, salesmen & administration personnel and knowing the needs and service delivery expectatipns of each to ensure adequate on going business and dealer's expectation are met.
Planning, monitoring and tracking marketing activities (carnivals, events, campaigns, promotions), developing new business opportunities, gather market intelligence and conduct post mortem on the timely basis to ensure targets and dealer's expectation are met.
Providing customers with effective sales services, through personal skills and company resources, in ensuring customers' expectations are met.
Providing and maintaining effective sales operations through an efficient loan originating systems and workflows to meet service expectations, business requirements and performance targets of AFC.
Monitoring, tracking and reporting overall performance of AFCs through the available tracking and reporting system within stated response times.
Improving personnel effectiveness and service performance of MEs and all staff by attending and participating in mentoring, advisory and / or coaching sessions together with Business Manager on a scheduled basis to achieve high performance culture that emphasizes auality, continuous improvement, human excellence and personal development.
Facilitating, pre and post loan disbursement by ensuring full and complete documentation in compliance with company's policies and procedures within specified time.
Implementing and enforcing new and existing policy and procedure of the company through meetings/briefings/monitoring to the relevant staff in ensuring compliance at all times.
Carrying and contributing to the accomplishment of HR practices and objectives that will ensure smooth centre operations, high performance culture that emphasizes productivity, goal attainment, quality, standards and balanced work life.
Implementing and controlling the overheads of the AFC within the budget to achieve the targeted cost to income ratio.
Maintaining infrastructure of AFC, supply of resources, corporate image, overall safety and health by monitoring the conditions to ensure timely requisitions, communication, repairs, maintenance and services.
Ensure timely processing of HP loan application through system in accordance to business rules & ensure compliance.
Check & ensure the accuracy of data keyed into e-dealer system upon approval submission.
Ensure compliance with business rules & terms of underwriting, statutory & company guidelines/requirements on HP applications.
Verify hirer's & guarantor's history of loan repayment & conduct credit checking with other financial institutions based on CCRIS, CTOS and FIS reports, where necessary.
Check CIF & CIS systems to determine applicant's aggregate exposure.
Verify and confirm hirer's / guarantor's particulars, income documents, supporting documents, details of chattel and loan particulars.
Interview third parties to verify and confirm employment status, income and genuineness of documents and information.
Interview referees to confirm applicant / guarantor's particulars.
Ensure the targeted TAT is achieved without compromising on credit quality.
Any other duties and responsibilities as assigned by management from time to time.
CPE shall follow the guiding principles in Section 2.12 SOP of MBD (Part D) when carrying out his job.
Ensure pre-disbursement requirements are fully complied & timely submission to Credit Admin Unit for disbursement.
Drive the completion of disbursement documents and information by working as a team with ME, CSE, and DC.
Check the completeness and correctness of documentation as per requirements.
Manage disbursement TAT within targeted timeline.
Follow through on pending documents and information with dealers, salesman and / or customers.
Submit ownership claim through e-Hakmilik System upon requested by dealer.
Ensure timely submission of complete JPJ transfer documents to appointed runners and maintain proper record.
Recommended all loan disbursement.
Ensure all related registers pertaining to the unit / section are properly maintained and updated timely.
Monitor and follow up on relevant post-disbursement documents and non-compliance issues, if any.
Certify on the photocopy of the duly transferred Registration Card prior to submission to CAR to update JPJ transfer status for PBT / PBR / IBS cases.
Check hirer's details and ownership claim are correctly printed on the registration card and update the Profile system if there are discrepancies.
Upon disbursement, ensure credit files together with security documents are forwarded to iCIMB according to service level agreement timeline and update Profile system on movement of credit files accordingly.
Timely submission of HP agreements to the respective appointed signatories according to the guidelines.
Custodian of security documents for Floor Stocking.
TEN TEN STOREKOTA BHARU, KELANTANManagement Trainee
Assisted branch manager to supervise all staff
Asssited branch manager to develop marketing strategies for new product
Incharged of daily sales & sales report
The Store (Malaysia) Sdn BhdKOTA BHARU, KELANTANSALES ASSISTANT
Assisted supervisor to analyze sales report
Assisted supervisor to checking promoter's monthly report
PEJABAT TANAH & GALIANTUMPAT, KELANTANMANAGEMENT TRAINEE
Assisted customer service executive to maintain good customer relations through providing necessary information required land title
Assisted to re-key in all staff data in new system