Car Loan Expert Credit Analysis (Hire Purchase)
Abang Usedcar Kuala Lumpur Full-time
Possess a Diploma in Finance, Business Administration, or a related field.
- Minimum of 2 years of experience in credit analysis, specifically within the hire purchase or car loan sector.
- Proficient in conducting thorough credit assessments, analyzing financial statements, and evaluating risk factors associated with loan applications.
- In-depth knowledge of hire purchase agreements, loan processing procedures, and regulatory compliance requirements within the Malaysian automotive finance industry.
- Strong understanding of risk assessment methodologies and the ability to identify and mitigate potential credit risks.
- Excellent customer service skills with the ability to effectively communicate with customers and address their inquiries regarding car loan applications.
- Demonstrated ability to achieve sales targets and contribute to the growth of the car loan portfolio.
- Fluency in both English and Bahasa Malaysia is essential to effectively communicate with a diverse customer base and internal stakeholders.
- Conduct thorough credit analysis of car loan applications, evaluating applicants' financial status, credit history, and repayment capacity to determine creditworthiness.
- Assess risk associated with loan applications, considering factors such as loan-to-value ratio, debt-to-income ratio, and collateral valuation, to mitigate potential losses.
- Process car loan applications efficiently, ensuring all required documentation is complete and accurate, and adhering to established lending policies and procedures.
- Structure hire purchase agreements in compliance with regulatory requirements and internal guidelines, ensuring clear terms and conditions for both the company and the customer.
- Analyze financial statements, including income statements, balance sheets, and cash flow statements, to assess the financial health and stability of loan applicants.
- Maintain up-to-date knowledge of regulatory compliance requirements related to car loans and hire purchase agreements, ensuring adherence to legal and ethical standards.
- Provide excellent customer service to loan applicants, addressing inquiries, resolving issues, and guiding them through the loan application process.
- Collaborate with sales teams to facilitate loan approvals and achieve sales targets, while maintaining sound credit risk management practices.
- Annual Leave
- EPF
- Health Insurance
- Medical Leave
- SOCSO
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Join us in our exciting quest to build the future home!
Location
The role is based in Assago.
What you’ll do:
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