Loan Documentation and Due Diligence Officer
- Customer Service Function: Primarily focuses on handling of customer enquiries, orders and complaints and to channel to the appropriate department/ teams for further action.
Client On Boarding Function: Focused on tasks linked to the whole process of On Boarding such as collection of documentations from customers, signatures management, KYC process management, static data input, etc, CLM are to fasten client on boarding process & release FO from administrative duties with KYC, doc collection and verification. Build up strong expertise in KYC and local regulation.
Loan Admin Function:Administrative and operational tasks for bilateral and syndicated loans and to ensure that they are performed in a proper and efficient manner- ensures that expertise on specific topics is kept close to the client when Back offices are centralized. And release FO from standard agreement administration and after sales follow up.
KYC Review Function: Focuses on ensuring the KYC review process is performed on a timely basis and update of static data input into our core systems.
Preparation of letter of offers and agreements.
Checking of letter of offers and agreements to advise on loan release
1. Client On Boarding Activities & Administrative Functions
- Familiar and proficient on KYC, AMLICFT knowledge with high sensitivity to legal, compliance and operational risks.
KYC Due Diligence for opening of accounts for new clients and recertification of existing clients:
Ensure proper documentation and verification through/of company search, the bank ' s overseas branches, or overseas lawyers, information procured from the public domain or from third parties supporting the due diligence process; and review of constitutional documents to ensure correct documentation for accounts opening/amendment are duly executed in compliance with regulatory and in-house requirements.
Review and analyse information procured and ensure that the KYC Due Diligence for opening new client accounts and maintenance of existing client accounts is in compliance with the bank' s procedures and regulatory requirements.
To perform checks in the bank's systems or any systems as required by the bank to complete the Due Diligence review.
Ensure that the Due Diligence package for client is completed accurately and in a timely manner in form and substance as required for review by committee/ Compliance/ management.
To ensure proper procurement, maintenance and updates of KYC Due Diligence documentation in the bank' s systems.
Liaise and coordinate with Business for new client on-boarding and review of existing clients for KYC Due Diligence so that on-boarding and recertification of clients are completed in a good timely manner.
To participate in systems upgrades, standard operating procedures streamlining / enhancements/ etc. that may be required.
To ensure that reports on KYC Due Diligence information of clients are accurate and updated, e.g. pipelines, etc.
Possesses strong analytical skills with an eye for accuracy and details.
Good communicator with proficient writing and presentation skills.
Team player that supports his/her colleagues in times of stress
2. Cash Management Activities
- Manage and support the e-Banking service function.
Facilitate, follow up and liaise with Operation team on cash management operation workflow and process.
3. Regulatory Reporting
- Coordinate with related Operations / F&C / Coverage teams for information and prepare CCRIS report for monthly submission to local regulators.
Coordinate with related Coverage / F&C teams for information and prepare Connected Parties report for submission to local regulators.
Coordinate with related departments and investigate any discrepancies / anomalies / queries raised by local regulators.
4. Account Maintenance
Attend to the maintenance of all clients’ accounts based on their requests and to support the transactional workflow of Operations.
Setup new profiles / accounts for new clients into the various systems and products in relation to the respective products and transactional requirements that may be required.
5. Loan Documentation Activities
- Preparation of letter of offer
Checking of documents once executed by customers
Advise line release
6. Anti-Money Laundering/Financial Sanctions (“Aml/Fs”) Related Duties
- Operations are an integral part of the control framework including for AML/FS topics. In that respect, in performing your role you are expected to ensure adherence to AML/FS-related Group Policies and execution of associated operational controls, and to promptly escalate any resulting hit for analysis and decision.”
Direct contribution to BNPP operational permanent control framework.
Responsible for the implementation of operational permanent control policies and procedures in day-to-day business activities, such as Control Plan. Modify according to internal/external recommendations.
Ensure compliance with regulatory requirements and internal guidelines.
Responsible for reporting all incidents according to the Incident Management System.
Participate in AML & Compliance and IT security trainings.
Minimizing operational failure, risk of fraud by helping to devise and implementing sufficient regular controls.
Follow-up with appropriate parties (level2, level3) and manage till closure, the resolution of functional and/or technical incidents in relation to eBanking and eReceipts systems.
Produce regular statistics, reporting & status (monthly/quarter/yearly report) for management related to CSD function.
Follow up, facilitate and liaise with appropriate departments to ensure the completion and correctness of the transaction and workflow as requested by client.
Participate and support the successful implementation in all UATs and Projects in relation to CSD.
Perform any other duties assigned by Head Client Services Dept from time to time.
Banking products knowledge
Compliance knowledge ( AML & KYC Process )
Loan Admin / Credit Control knowledge
Strong Operational and administrative skills
Excellent knowledge of Legal and Compliance framework
Excellent knowledge of business activities and understanding of payments, loans and trade products and processing
Sound PC skills including proficiency in Microsoft Excel
Excellent communication / interpersonal skills and strong team spirit
- Proactive, self-disciplined, self-motivated with ability to work effectively under pressure
- Escalation of risk issues to management
- Excellent communication / interpersonal skills and strong team spirits.
- Ability to think for yourself and to solve problems
- Team spirit