Sales Consultant, Auto Finance

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Job Purpose

Responsible for the marketing of Hire Purchase (HP) financing / loan products, acquiring HP sales, sourcing of new dealers and maintaining close business relationship with existing dealers, cross selling HP related products or Bank’s products.

Accountabilities

1. Market HP products and tie-up new dealers for the branch and maintain good business relationship with dealers.
2. Meet sales budget on Hire Purchase and Cross Selling assigned with asset quality and a reasonable yield in mind.
3. Ensure the completeness of documents submitted by dealers which include verifying documents against originals and witnessing the execution of loan documents.
4. Conduct interview with applicants, inspect vehicles and visit site to verify business/ house of applicant if required.
5. Monitor market share with existing dealers and keep credit processing staff abreast with the current market trend.
6. Keep abreast with the latest and applicable Bank and regulatory policies, guidelines, manuals and circulars and ensure that they are complied at all times e.g. the Bank’s Credit Authority Framework, Bank’s Credit Instruction Circulars, the Bank’s Code of Ethics, BNM Responsible Financing Guidelines, BNM Product Transparency and Disclosure Guidelines, BNM Policy on Single Counterparty Exposure Limit, BNM Prohibited Business Conduct Guidelines, BNM Fair Debt Collection Practices, Financial Services Act / Islamic Financial Services Act 2013, Hire Purchase Act 1967, Personal Data Protection Act 2010, Anti-Money Laundering Act 2001 etc.
7. Ensure that data integrity and workflow / process requirements are met and timely submission of reports.
8. Act as an authorized signatory.
9. Undertake any other job functions as may be assigned by the Management from time to time.

Requirements

1. Possess Degree / Professional / Diploma
2. Self-starter and team player, strong interpersonal, communication (written and oral) skills and Knowledge of the HP vehicle market
3. Computer literate
4. Own transport