Assigned Supervisor whichever applicable as indicated in HRMS reporting line matrix or as instructed in the transition
All matters as described herein in accordance to directions formalize in Collection Manual and work directions given from time to time
3.2
REPORTS INDIRECTLY TO
Head, Collections Litigation & Recoveries
As above
3.3
DIRECT REPORTS
Nil
-do-
3.4
INDIRECT REPORTS
Nil
-do-
4
JOB PURPOSE
To review and to process R&R cases submission and in accordance to the R&R policies, R&R program and related regulatory requirements.
To ensure Bank and regulatory policies and guidelines are being adhered to at all times.
To work with the respective Team Lead to resolve issues raised by bank customers.
To ensure factual correctness and accuracy of all outward deliverables.
To ensure daily administrative are completed on a timely manner
To document and file all workings accordingly.
5
KEY RESPONSIBILITIES
Rehab related matters
To review and to process R&R cases within TAT (submission to approval).
To ensure adherence to the R&R policies, R&R program and regulatory requirements during Rehab processing.
To ensure all information and data provided during review are factual and in accordance to the submission provided.
To validate all information and data prior in documents preparation.
To ensure all Shariah requirements are met during review process including documentations.
Administrative Task
To prepare and ensure all paper works on memo/recommendation/letters are prepared in a timely manner.
To ensure all documents related to work assignment are filed and secured.
To follow through approvals based on related Approval Authority.
To maintain a user friendly filing and documents control for recording and tracking purposes.
To assist in providing data for the team internal analysis and monitoring.
To perform research duties as and when required in related to the task assigned.
To assist any ad-hoc tasks as required by the Unit.
To ensure data accuracy in preparation of all memo/recommendation/letters.
Compliance
To ensure allmemo/recommendation/letters are processed in accordance to the approved policies and guidelines as stated in Unit Standard Operating Procedures (SOP).
To provide sufficient support to internal and external audits and Control Self Assessment from time to time.
Any other policy and guidelines deem required from time to time.
Other Duties
Any other adhoc matters assigned from time to time.
INTERNAL
Collectors - provide assistance and suggestion / recommendation to resolve customer issues.
Information Technology personnel – liaise with the IS personnel to ensure system is properly set-up for any anomalies.
Management Information system personnel - liaise with MIS team to ensure specific / adhoc reports are generated for management decision making.
Internal Audit - provide contact point for audit on enquiries pertaining to credit risk.
Legal and Compliance division – to seek clarification on matters that may involves legal and reputation risks.
EXTERNAL
External Auditors - to provide information and explanations on credit risk as and when required.
6
KEY RESULT AREAS
OPERATIONAL HEALTH
Observe and comply with all local policy and process requirement
Identify deficiencies and rectify in good time to ensure an overall rating “3” or better
QUALITY
Ensure all TATs are met.
ORGANISATIONAL HEALTH
Continuously manage human resources quality, competency and capabilities to ensure high level of performance.
7
KEY RELATIONSHIP
Internal Contacts
All Bank Staff
External Contacts
System Administrators
External Auditors
Vendors
AKPK
BNM
Nature of Purpose
For uniform collection strategies and procedures
For feedback and resolving customer issues
Credit information and feedback on collections
To provide feedback and relevant information relating to customer accounts and information to relevant parties.
To provide relevant information/data relating to legal proceedings for successful completion of audit exercise.
System matters
8
CONTRIBUTES TO
Internal Process improvement
Administration support to various collection activities
9
AUTHORITIES
As per approving authorities delegated by the management.
10
FOR GRADING PROCESS
Target as assigned from time to time.
Experience / Knowledge required
Skills
Presentation & Communications
Computer
Ability to be creative, unyielding and patient.
Microsoft Office
Knowledge
Collections skill & practices
Complexity / Judgement
The ability to exercise good judgment and innovative skills are material ingredients of the job. Good judgment is required as a matter of routine during discussion with customers and team members to formulate an agreeable on recovery plans while ensuring that the Bank’s interests are protected.
Freedom of decision making
Decide on handling daily BAU matters and customer enquiries.
