Credit Officer

1. Loan approval and risk control

• Supervise the full process of lending business (application, review, approval, disbursement, repayment management)

• According to company policies and risk models, approve personal and corporate loan applications

 Evaluate customer creditworthiness, financial data, and collateral (if any)

• Approve each account’s fund inflow and outflow to ensure compliance and safety in fund operations

 Provide professional advice and handling solutions for high-risk or special cases

2. Compliance review and document improvement

Ensure that each lending transaction meets the AML / KYC / CFT (counter-terrorism financing) requirements

• Check and review loan and guarantee documents to ensure their legal validity and document integrity

• Monitor trading abnormal behavior, report in a timely manner and propose improvement suggestions

• Assist in revising and maintaining internal policies, approval processes and operating instructions

3. Process optimization and cross-departmental collaboration

• Work with sales, operations, legal and financial teams to ensure efficient loan processing

• Participate in system automation/upgrading and process optimization projects

• Analyze bottlenecks in the approval process and propose improvement and risk control measures

4. Team support and knowledge sharing

Provide guidance and training to junior colleagues to improve approval quality and compliance awareness

• Assist management in formulating business strategies and risk policies

Requirements:

• (Financial, accounting, law, business-related preferred)

• Have credit / loan approval experience or

• Have AML / KYC / Compliance / Risk Control experience

• Banking or licensed money lender (Money Lender) related work experience is preferred

• Familiar with the Lender's Act, the Companies Act and related financial regulations

• Retail or corporate credit, mortgage loans, commercial loans experience is preferred

• Good risk judgment and attention to detail

• Have compliance thinking and responsibility

• Able to handle multiple approval tasks independently under pressure

• Good communication skills, able to collaborate with internal and external teams

• Fluent use of English and Chinese (including Mandarin)

Requirements:

1. Financial, economic or related professional background is preferred;

2. Have good communication skills and customer service awareness;

3. Familiar with credit products and market dynamics, with strong risk control awareness;

4. Able to handle credit cases independently, with a high sense of responsibility and team collaboration ability.