Account Services Officer (Contract - based in Penang)
Primary Objective
Promote and sell the bank’s personal financing products (secured / unsecured loans) and grow the assets portfolio in line with targets.
Ensure high asset quality (minimising delinquency), adherence to credit policies and regulatory requirements.
Key Responsibilities
Sales & Business Growth
- Achieve individual or team targets for personal financing assets (loan volume, new-to-bank assets).
- Identify prospective customers, generate leads (internal, external), make sales calls / visits.
- Cross-sell related banking / financing products (credit cards, insurance, deposits etc.).
- Prepare and execute sales plans to maximize asset growth.
Credit Assessment & Risk Management
Assess creditworthiness of applicants (income verification, credit checks, financial analysis).Ensure that processes comply with internal credit policies, approvals, regulatory guidelines.Monitor asset performance; take preemptive action to mitigate risk of non-performing loans (NPLs).Customer Service & Retention
Provide good customer service, manage customer relationships throughout financing lifecycle.Ensure compliance with rules, transparent disclosure, terms and conditions.Handle customer enquiries, escalate problems or default situations if needed.Compliance & Reporting
Maintain accurate documentation and records per bank’s policies.Ensure compliance with anti-money laundering (AML), know-your-customer (KYC) and credit regulations.Prepare periodic reports (portfolio status, risk, delinquency, sales performance).Other Duties
Coordinate with internal stakeholders (credit operations, risk, legal, collections).Keep updated on product features, market / competitor financing offerings.Participate in training and sales / promotional campaigns.Required Skills & Qualifications
Education : At least Diploma / Bachelor’s in any field; finance / business / accounting background preferred.Experience : Experience in retail banking sales or personal financing / credit portfolio roles (asset or loan sales), likely 1–3 years (depending on level).Strong sales, negotiation and communication skills.Analytical ability to assess financial information and credit risk.Knowledge of banking / financing product features, regulatory environment.Ability to work under targets, self‑motivated and driven.Proficiency in computer tools (MS Office etc.).Performance Metrics / KPIs
Number / value of new assets (loan / financing) originated.Asset quality : Rate of delinquency / non‑performing financing.Compliance with credit policy and regulatory requirements.Customer satisfaction and retention.Cross‑sell ratio; contribution to overall branch / sales unit performance.#J-18808-Ljbffr