Perform manual credit underwriting in Unsecured Lending products acquisition and limit increase approval within delegated authority and ensure the credit approvals are complying of Credit Policy and HKMA guidelines
Review and analyze applicants’ credit reports, financial statements, and other relevant documentation to assess creditworthiness to recommend or approve applications
Quality assurance in underwriting and well manage on the credit approval process turnaround time
Facilitate and support the launch of new product/ projects.
Lead the Credit Initiation Operation to identify, coordinate, drive and implement the changes
Design and review operation flows from time to time. Support UAT and implementation for the underwriting process change
Collaborate and sharing with other stakeholders on risk identifications in post approval review
Ensure all Credit Initiation policies and procedures comply with Credit Policies and Standards.
Ensure proper and updated documentation in place
Keep abreast of prevailing market developments, industry knowledge, the Bank's policies/ guidelines and regulatory requirements
As a lead, Credit Initiation Operation in encouraging and promoting an active training and learning environment to facilitate excellence in risk management, risk awareness, behaviors and accountability
Embed the Mox’s values and code of conduct in Credit underwriting to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture
Accountable for satisfactory closure of issues / gaps arising from Internal and external Audits, peer reviews and regulatory reviews
With at least 5-8 years of experience in Credit Initiation Operation on unsecured loan products, credit card, preferably in financial industry
Bachelor degree, or / another equivalent professional qualification
English, Chinese
Strong self-motivation and positive attitude w
Experience: Mid / Senior level
Connect with an insider to learn more about this role (team culture, interview focus, and how to stand out).
Requirements
Perform manual credit underwriting in Unsecured Lending products acquisition and limit increase approval within delegated authority and ensure the credit approvals are complying of Credit Policy and HKMA guidelines
Review and analyze applicants’ credit reports, financial statements, and other relevant documentation to assess creditworthiness to recommend or approve applications
Quality assurance in underwriting and well manage on the credit approval process turnaround time
Facilitate and support the launch of new product/ projects. Lead the Credit Initiation Operation to identify, coordinate, drive and implement the changes
Design and review operation flows from time to time. Support UAT and implementation for the underwriting process change
Collaborate and sharing with other stakeholders on risk identifications in post approval review
Ensure all Credit Initiation policies and procedures comply with Credit Policies and Standards. Ensure proper and updated documentation in place
Keep abreast of prevailing market developments, industry knowledge, the Bank's policies/ guidelines and regulatory requirements
As a lead, Credit Initiation Operation in encouraging and promoting an active training and learning environment to facilitate excellence in risk management, risk awareness, behaviors and accountability
Embed the Mox’s values and code of conduct in Credit underwriting to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture
Accountable for satisfactory closure of issues / gaps arising from Internal and external Audits, peer reviews and regulatory reviews
With at least 5-8 years of experience in Credit Initiation Operation on unsecured loan products, credit card, preferably in financial industry
Bachelor degree, or / another equivalent professional qualification
English, Chinese
Strong self-motivation and positive attitude with good project management and interpersonal skills
Ability to bring divergent ideas to create new and valuable solutions
Resilience to stress, able to unlock full potential and prepare for the future of work
Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
