Hang Seng is committed to service excellence. Our people are our most important asset and play a vital role in our efforts to continually enhance our performance for customers and provide best-in-class products and services. We seek to attract high-calibre talent by offering a dynamic working environment,...

 

Hang Seng is committed to service excellence. Our people are our most important asset and play a vital role in our efforts to continually enhance our performance for customers and provide best-in-class products and services. We seek to attract high-calibre talent by offering a dynamic working environment, good career development opportunities and competitive compensation packages.

 

Retail Credit Services Manager

Job level Middle
Work exp 5 Years To 15 Years or above
Education Bachelor Degree
Location Hong Kong
Employment type Full Time
Industry Banking
Job function Banking / Finance > Loan / Mortgage
Banking / Finance > Risk Management
Banking / Finance > Credit
Published On 03/11/2016

Risk and Compliance – Retail Banking and Wealth Management Risk 

Hang Seng's Risk and Compliance ("RKM") strives to maintain a well-balanced risk profile for the Bank while enabling businesses to thrive. Our team actively manages a varied and dynamic range of risk types. We are dedicated to collaborate with businesses, other functional units and regulatory bodies to develop and implement robust and customized risk management frameworks and measures to maintain the strong market position of the Bank.  

Retail Credit Services - supporting businesses to achieve the optimal profits within the Bank's risk appetite by approving secured lending applications and reviewing retail credit portfolio according to internal and external policies and guidelines, procedures, systems and predictive models, and make decisions independently and effectively. 

We are currently seeking a high caliber professional to join our department as Retail Credit Services Manager.

Principal responsibilities

  • Assess, approve and review      loan applications in accordance with the Bank’s retail lending policies      and collaborate with business units to facilitate and monitor the closing      of mortgage deals
  • Develop and maintain a close      relationship with counterparts
  • Keep abreast of the market      changes to ensure the competitiveness of our products / services
  • Assist in the review of lending policies and guidelines as well as participate in product development, service enhancement and other ad hoc projects
  • Conduct regular review on credit approval process to identify fraudulent mortgage cases
  • Ensure all service standards / pledges are followed / met and customer complaints are properly handled

Requirements

  • Minimum 5 years’ banking experience, with at least 3 years in lending and credit approval
  • Knowledge of Hong Kong property market and understanding of mortgage operations an advantage
  • Strong business sense, self-motivated with good communication, logical and positive thinking, interpersonal and analytical skills
  • Great sense of ownership and servicing mindset to ensure efficient and effective customer service processes 

(Candidates with less experience will be considered for the position of Assistant Retail Credit Services Manager.)

To apply, please read carefully the ‘Note on Collection of Personal Data and Information’ available in the careers page of our Hang Seng website : www.hangseng.comand send your resume via e-mail : recruit15@hangseng.com for our processing. You can also visit our website for further details about career opportunities with the Bank. Applicants who are not contacted within one month may consider their applications unsuccessful.

All information provided by applicants will be used only for recruitment purposes and will be used strictly in accordance with the Bank's personal data policies, a copy of which may be obtained by the applicant upon request. Unless otherwise instructed in writing by the applicant concerned, applicants may be considered for other suitable positions within the Bank and its related companies. The personal data of unsuccessful job applicants may be retained for a maximum of two years from the date when the job application is rejected and such data may be retained for a longer period if there is a subsisting reason that obliges the Bank to do so, after which the personal data will be destroyed.