Expired

Loan Approver / Loan Approval Officer

創業天下·Finance & Banking

Active within 4 daysFull Time
HK work permit required
3 to 5 yrs exp
Bachelor
9.0 hrs/day, 5 days/wk, Office work
Salary negotiable
Job Description

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)

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