Processing Officer - Autombile Financing, Retail Assets Division

Duties and Responsibilities

• Submit a minimum of 25 vehicle financing applications daily, including both new and appeal cases.
• Ensure full compliance with the 21-point checklist prior to submission for approval.
• Perform credit assessments and provide recommendations in accordance with established guidelines for new and appeal applications.
• Verify the adequacy and completeness of documents according to the checklist for processing.
• Ensure strict adherence to internal policies, guidelines, and regulatory requirements related to financing processing.
• Check for accuracy and consistency of credit-related data entered into the FAST system.
• Verify consistency of information provided in submitted documents.
• Keep Decision Providers (DPs) and approvers well-informed with all relevant facts to facilitate informed decision-making.
• Follow escalation procedures for fraudulent or suspicious applications promptly.
• Adhere to escalation protocols for applications involving high-risk customers and connected parties.
• Provide guidance and training to Marketing Officers (MO/PO1) to improve the quality of credit submissions.
• Ensure compliance with Personal Data Protection Act (PDPA) requirements in all processing activities.
• Perform ad hoc tasks and cross-functional duties within the Credit Financing Processing Centre (CFPC) as requested by the supervisor.
• Handle and dispose of customer information securely and confidentially during processing.
• Comply with all internal policies/guidelines and external regulatory requirements at all times.
• Perform any other duties or assignments as directed by the superior to meet business requirements.

Job Requirements

• At least 1-2 years of experience in vehicle financing, credit assessment, or related financial services.
• Strong understanding of credit assessment and vehicle financing processes.
• Attention to detail and ability to follow checklists and guidelines strictly.
• Proficient in data entry and familiar with FAST or similar credit processing systems.
• Good communication skills to liaise with decision makers and marketing teams.
• Ability to identify and escalate fraudulent or high-risk cases appropriately.
• Knowledge of regulatory and compliance requirements related to financing and PDPA.
• High level of integrity and confidentiality.
• Strong analytical and problem-solving skills.
• Ability to work independently and as part of a team.
• Willingness to take on ad hoc tasks and cross-functional duties.
• Familiarity with internal escalation processes and risk management preferred.
• Ability to handle a high volume of work efficiently under tight deadlines.