About the role

We are seeking a dynamic and results-driven Consumer Loan Officer to join Big Grain Credit Sdn. Bhd. in Kuching, Sarawak. This is a full-time position that offers an attractive compensation package including basic salary, incentives, and commission opportunities. As a Consumer Loan Officer, you will play a crucial role in driving our consumer lending business forward by identifying, evaluating, and processing loan applications whilst building strong relationships with clients. This role is fundamental to our growth strategy in the credit sector, as you will be responsible for meeting lending targets and expanding our customer base in the Kuching region.

Key responsibilities

Source and identify potential borrowers within the consumer market, including salaried employees, business owners, and other eligible individuals
Prepare and present loan proposals with clear documentation and supporting financial information to ensure compliance with company policies
Build and maintain strong relationships with clients throughout the loan application process and beyond, providing excellent customer service
Negotiate loan terms with clients whilst ensuring profitability and adherence to regulatory guidelines
Achieve monthly and quarterly loan disbursement targets and sales goals
Liaise with internal departments including credit assessment, legal, and finance to expedite loan approvals
Maintain detailed records of all client interactions, loan applications, and transactions in compliance with company and regulatory requirements

What we're looking for

Proven experience in consumer lending, retail banking, or a related credit field, ideally with 2-3 years in a similar role
Strong understanding of lending principles, credit risk assessment, and consumer credit products
Excellent sales and negotiation skills with a demonstrated ability to meet or exceed targets
Sound knowledge of financial analysis and ability to interpret financial statements and creditworthiness indicators
Strong communication and interpersonal skills with the ability to build rapport with diverse clientele
Ability to work independently whilst maintaining accuracy and attention to detail in documentation
Knowledge of Malaysian consumer credit regulations and lending compliance requirements is advantageous
A proactive, customer-focused mindset with a genuine desire to help clients secure appropriate financing solutions

What we offer

We provide a competitive compensation package designed to reward performance and encourage professional growth. Our remuneration structure includes a basic salary supplemented by performance-based incentives and attractive commission opportunities, allowing you to directly benefit from your success. We recognise the importance of work-life balance and provide a supportive working environment where your contributions are valued. As an employee of Big Grain Credit Sdn. Bhd., you will have access to professional development opportunities and be part of a team that fosters collaboration and continuous improvement. We are committed to providing a workplace culture that promotes career advancement and personal wellbeing.

About us

Big Grain Credit Sdn. Bhd. is a established player in the Banking & Financial Services sector, specialising in consumer credit solutions. Based in Kuching, Sarawak, we are dedicated to providing accessible and tailored lending products to individuals and businesses within our community. Our mission is to facilitate financial inclusion by offering competitive loan products backed by professional, ethical service. We pride ourselves on our customer-centric approach, robust risk management practices, and commitment to regulatory compliance. As we continue to expand our presence and market share, we seek talented professionals who are passionate about delivering exceptional service and driving business growth.

Apply now

If you are an ambitious and talented Consumer Loan Officer ready to take your career to the next level with attractive earning potential, we would like to hear from you. Please submit your application including your CV, a cover letter outlining your relevant experience, and any supporting qualifications. Join us in making a difference in the financial lives of our clients whilst achieving your own professional goals.

Pay: RM2,900.00 - RM3,300.00 per month

Work Location: In person

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Consumer Loan Officer (Basic - Incentives - Commission)