| Strategy and Planning
- Design daily and monthly Sales Activity Plan as guidance for SPT achievement
Business Performance and Management
- Seek proactively potential debtor to achieve business target
- Provide financial consultant for potential & existing debtor by identify debtor needs and offer product according to their needs
- Responsible to EBB credit portfolio growth and optimalization credit usage
- Run all credit activities, from preparation, call report, credit proposal, credit proposal approval, loan administration related to Credit Signing, disbursment, roll over and credit maintenance
- Determine debtor’s ability to pay by establish depth information on debtor loan, such as business prospec, business management, owner / shareholder and business cash flow
- Ensure collectability of debtor remains healthy by monitoring the fulfillment of payment obligation
- Do early recogniation watchlist for each debtor and inform the management if needed
People Management
Regulatory Compliance
- Ensure all credit administration and process comply with internal and external regulation
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| Competencies/Skills (Essential to succeed in this job) |
Technical/Functional skills
- Selling Skill
- Negotiation Skill
- Product Knowledge
- Credit Skill
- Computer Skill (MS Office, Excel)
- Financial Analysis.
Personal skills (Soft Competencies [Core/Leadership])
- Networking & Alliance Building
- Communicating
- Building the CIMB Learning Organization
- Shaping the CIMB Strategy
- Driving for Business Results
- Customer Orientation
- Entrepreneurship
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