Loan Approver / Loan Approval Officer

1. Loan approval and risk control

• ·Monitor the full loan process (application, review, approval, disbursement, repayment management)

• According to company policy and risk model, approve personal and corporate loan applications

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

• Approve each transaction's funds in and out to ensure compliance and safety of funds operation

• Provide professional opinions 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-terrorist financing) requirements

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

• 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 / upgrade and process optimization projects

• Analyze the 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:

• College degree or above (with preference for finance, accounting, law, and business-related fields)

• Have credit / loan approval experience or

• Have AML / KYC / Compliance / Risk Control experience

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

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

• Applicants with retail or corporate credit, mortgage loans, commercial loans are preferred

• Good risk judgment and attention to detail

• Have compliance thinking and sense of responsibility

• Able to handle multiple approval tasks independently under pressure

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

• Fluency in English and Chinese (including Mandarin)