Job Summary
The Head of Loan Operations supervises the overall operations from loan application processing, preparation of credit proposal up to loan disbursement, documentation and account servicing. The Head of Loan Operations ensures that standard turn-around time is obtained, standard procedures are observed, and applicable policies are compiled for every request and transaction. The Head of Loan Operations continuously reviews the credit tools and policies of the bank and recommend changes to the management if necessary.

Job Responsibilities

Credit Operations
• Ensure the bank is using sound and reasonable credit assessment tools.
• Maintain efficient workflow of loan application processing, verification, appraisal, evaluation, and credit proposal.
• Establish standard procedures and turn-around time based on the bank’s vision.
• Discuss credit proposals with Credit Officers and/or Deputy Head if necessary.
• Recommend credit proposal for approval of the Credit Committee.
• Analyze the loan approval, rejection and disbursal rates.
• Work with outsourced appraisal companies to ensure that collateral valuation is fair and sound.
• Closely review all loan applications using KYC, AML and Due Diligence standards of the bank.
• Review loan evaluation metrics and standards.
• Maintain good quality of loan portfolio and minimize percentage of non-performing loans.

Loan Administration
• Authorize loan account creation, disbursement, account modifications and other requests from customers.
• Establish proper and efficient process flow for account setup, disbursement, document collection and retention, loan account maintenances and modifications.
• Authorize and sign on requests for loan certification, loan schedule, confirmation of loan balance, and other inquiries pertaining to the loan account according to standard operating procedures.
• Review reports on past-due accounts and non-performing loans.
• Conduct random surprise checks on loan and collateral documents in the vault.

Others
• Prepare regulatory/management reports.
• Assist in CBC reporting and uploading.
• Other ad hoc functions assigned by management

********Benefit********

We offer competitive budget for qualified candidates.

Job Requirements

Technical Competencies:
• Bachelor degree in business administration or other related fields.
• Minimum of 6 years experiences in related positions
• Ability to lead and to contribute to the team
• Good knowledge of Microsoft Office applications of word, excel, power point …
• Excellent verbal and written communication in English language
• Strong conceptualization and analytical skills

Behavioral Competencies
• Outstanding in communicate effectively in person or in writing with individuals and with wide variety of organizations/companies
• Outstanding in problem solving and initiations regarding to market and bank expectations
• Be initiative, honestly, hardworking