Executive, Loan Transactions (Credit Operations)

  • Full-time

Company Description

RHB Singapore is a progressive and growing financial organization. We are committed to creating a fulfilling, dynamic and engaging work environment for our team of more than 15,000 employees across locations in ASEAN.

Job Description

PRIMARY OBJECTIVE

  • Perform the daily BAU operations, i.e. loan disbursements, repayments, fee collections, prepayments, rollovers and redemptions, monitoring and sweeping of funds from special-purpose accounts, e.g. DSRA, Operating accounts for loan repayments and monitoring of scheduled repayments for bilateral and syndication deals.
  • Perform GL reconciliation & ensure outages are resolved within stipulated turnaround time.
  • Ensure accuracy, efficiency and meets the agreed turnaround time with the Business Units while avoiding operational risks and losses.
  • Support the department’s effort to improve productivity, efficiency and lower costs via continuous process improvements.
  • Maintain good business relationships/partnerships with key stakeholders, aligning actions to customer needs.

KEY RESPONSIBILITIES

Customer/Market – Business Transformation

  • Perform loan disbursements, repayments, rollovers, redemption and fee collection with accuracy and within the stipulated turnaround time.
  • Respond to Business Units’ requests and enquiries within a stipulated timeline.
  • Collaborate with the Team Lead to engage the Business Units on a regular basis to resolve BAU issues and improve cooperation between the teams.
  • Actively participate as a member of a team to move the team towards completion of goals, i.e. develop a service-oriented culture within the team.

Process Digitalization or Automation/STP

  • Participate in process digitalization or automation initiatives.

Productivity Improvement

  • Ensure all SLA/TAT are being met.
  • Ensure work is completed with speed and accuracy.
  • Contribute process improvements ideas to improve TAT, efficiency and reduction of internal errors in work processes.

Process Efficiency/Process Improvements

  • Participate in process improvement discussions to improve the turnaround time for BAU processes. 
  • Identify operational risks and implement measures/controls to plug the risk gaps so that processes are in line with all internal & external policies/guidelines and requirements of the regulators.

Operational Risk & Compliance

  • Work together with Team Lead to ensure that audit rating is “Satisfactory” or better.
  • Work together with Team Lead to ensure that CRA rating is at least “On Target” or better.
  • Work together with Team Lead to ensure no/minimal operational lapses/financial losses.

Individual Contribution/Competency

  • Participate in BCP Coordinator/Risk Coordinator or Data Steward roles.

Learning/Competitive Positioning

  • Maintain high standards for self-development to achieve/exceed the goals of the team and to derive satisfaction from achievement of goals and continuous improvement.
  • Initiate action plans to achieve self-development goals which has to be in line with the department and Group’s direction of building high performance culture.
  • Develop a mindset of continuous learning to keep up with the pace of change in the Bank and to be competent in the job assigned.

Qualifications

Formal Education

  • Bachelor's degree/Diploma or equivalent.

Preferred Level of Experience

  • At least 1-year related experience in a Financial Institution in credit processing for all credit products.

Other Skills Required

  • Familiarity with both corporate and consumer products would be an added advantage.
  • Resourceful and a good team player.
  • Good time management skills and ability to multi-task.
  • Proficiency in Microsoft Office, specifically in Excel.

Additional Information

RHB is a dynamic organization that promotes a work culture of high performance, where its biggest asset, the RHB-ians, are continuously developed & nurtured to their fullest potential through its robust talent management practices.

At RHB, we take PRIDE in our people and our teams. Great relationships built on trust, a ‘leading it right’ environment, challenging assignments and a culture of excellence are the pillars to the dynamic and diversified workplace we call home.