Transactional Officer

Summary

To support Consumer Collections Department in managing Day in Arrears / Past due but Not Impaired & Impaired accounts by responsible to process internal & AKPK’s reschedule and restructure request within the timeline set.

Duties and Responsibilities

• Ensure operational efficiency is always maintained by ensuring job processes/ procedures are in accordance with Bank Guidelines and to inform relevant authority of any inadequacies and arrears for improvement by proposing new idea / workflow which can be implement towards improvising current processes / procedures.
• Responsible to process the AKPK reschedule & restructure request for consumer account – financing products / Bank Islam Card through:
• Review and attending of the inquiry from AKPK / Customer (BLD statement request)
• Assess and prepare manual ledger for AKPK Matrix 1 & obtaining approval from relevant authority as well as liaising with AKPK / Customer on obtaining more info for AKPK Matrix 2 (if necessary).
• Prepare Letter of Offer for customer acceptance and execution or Rejection Letter (in accordance to the approval decision).
• Perform maintenance in CBS / Update Volare
• Filing of AKPK paperwork and other related documents.  
• To ensure the process of AKPK reschedule & restructure request is within the timeline set.
• To ensure attending to any AKPK reschedule & restructure related activities on maintenance in the system i.e. tagging of AKPK reschedule, restructure and write off, postponement, extension of tenure, error billing and etc.).
• Ensure submission of report requested by head unit / head office / other parties and submit within the time frame given.
• Responsible for monitoring and ensuring all the Remedial operational issues and daily activities are run smoothly.     
• Ensure processing of both internal and AKPK rescheduling & restructuring request are within the timeline set.
• To monitor and review for both AKPK and Reschedule team performance.
• Attending all inquiries and complaints from customers, BNM and other relevant authorities relating to customers financing.
• Monitor and reviews unit operation and staff performance. Implement strategies to improve productivity and effectiveness.
• Responsible for any queries/audit findings from internal or external i.e., auditors / BNM / others parties.
• Ensure to attend any ad-hoc consumer and recovery activities involving Remedial. 
• Effective communications and co-ordinations of activities in the department by display good verbal/ nonverbal communication skills when disseminating instructions, submitting reports, and carrying out assignments.
• Demonstrate the highest level of professionalism and efficiency in handling and resolving customers’ complaints and issues (if any)
• Manages the development/ performance of subordinate staff. To guide/ motivate staff in acquiring relevant skills with recommendation for appropriate training/ courses for enhanced performance. Regular counseling should also be appropriately done.

• Provides guidance and sharing of best practices with fellow officers. Create a harmonious working environment, train and mentor staff and motivate all team members to perform efficiently.
• Act as a reference point for less experienced colleagues in the department
• Ensure adherence and compliance to all internal policies/guidelines and external regulatory requirements.
• Any other duties/assignment as and when directed/assigned by the superior from time to time / as per business requirement from time to time.
• To prepare and evaluate staff performance. To conduct staff performance appraisals and target performance.
• Attending training or course as approved by the Bank.