Iris Kon Email & Phone Number

Kuala Lumpur, Federal Territory Of Kuala Lumpur, Malaysia

1) Retail SME Segment - Analyse the credit related risk input and policy agenda raised by underwriting team to establish proper risk management standards. 2) Facilitate product / business team to meet management’s expectation on business expansion strategies prior to launching of new and existing lending programs.3) Propose changes in credit underwriting strategies and policies to the Board and ensure correct implementation without potential policy deviation and expedite the underwriting process in concert with driving business expansion.4) Timely review on policy renewal, validity of management’s approving authority delegation and delinquency control in place.

Kuala Lumpur, Malaysia

1) Independent credit risk reviewer for SME portfolio guarantee (CGC), retail business property loans and hire purchase portfolios up to loan size of RM10millions.2) Ensure compliance to internally based Product Program guidelines and non-breaching of Lending Authority Limit.3) Identify potential risks, level of default and mitigations via in-depth financial statements analysis and credit worthiness checks on new and existing relationships.

Kuala Lumpur, Malaysia

1) Establish strong business relationship with Hong Kong clientele by assisting them through debt settlement process and keep bad debts at low level by balancing risk and reward.2) Watch out for risk indicators from irregularities in payment performance, un-seasonal purchasing pattern and third party payers through thorough understanding of customers’ business modus operandi.3) Submit proposal to seek approval for release of auto-blocked orders for trading accounts with overdue payment and exceeded trading credit limit. 4) Perform cash allocation to offset outstanding invoices with the payment made. 5)Initiate workflow for disputed invoices with pricing / quantity issue and resolve customer’s billing enquiries through close liaison with customer service and deal management team.6) Prepare debt provisioning report on quarterly basis when debts are seen irrecoverable.

Kuala Lumpur, Malaysia

Credit Processing1) Appraising loan proposals by conducting quantitative, qualitative analysis for approval of Credit Committee. 2) Analyses clients’ financial status, evaluate their repayment patterns based on historical data & industry trends to explore potential business opportunity & tailor credit facilities accordingly. 3) Prepares letter of offer, loan agreements until acceptance of loan.Credit Review 1) Manage credit review department & monitor 100 over portfolio accounts, which comprise consumer & business loans on a monthly, quarterly, half-yearly basis. 2) Independent reviewer to ensure compliance of covenants imposed as per letter of offer, pre & post-disbursement.3) Propose to restructure credit facilities before loans turn impaired to mitigate loss.4) Initiate investigations on suspected misuse of bills facilities. Submit for resetting of covenants in exchange for collateral, increased interest rate & mandatory repayment.5) Recommends for extension & reinstatement of credit facilities to existing potential clients through availability of the published financial information. 6) Conduct site visitation & telephone verification at the point of loan review.Bancassurance Telemarketing1) Provide solutions to customers’ inquiries, requests, complaints within SLA to ensure customer satisfaction through CRM system. 2) Assess new bancassurance products that will be distributed through telemarketing channel & obtain approval from Risk Management Units before launching.3) Conduct half-yearly and biennial review on existing bancassurance products.4) Exposure to UAT prior to product launching, to ensure system enhancement & process automation are in place to streamline overall Outbound Contact Centre operation.5) Coordinate with IT department & users of business partner to ensure smooth interface between our banking applications & Outbound Call Centre applications.6) Handle monthly reporting on commissions earned through telemarketing products.