徵才說明
職缺更新：今天
工作內容：
Job Purpose：
1.To support the profitable growth of the Secured Lending products (Mortgage Loan & Trust Lending) in the Consumer Banking business.
2.To frame the lending policy, Risk Appetite framework; bureau and score use strategies, portfolio analysis in TW.
3.To ensure controls over implementation of policy. Ensure that the adequate infrastructure (scorecards, systems, validations, MIS etc) is in place to manage portfolio properly.
4.To design and execute tests that will enable future growth, strategy optimization, expense savings, or process enhancements.
5.To ensure compliance with Regional/Group Policy and relevant risk related regulations; ensure compliance with local regulation.
Key Accountabilities:
1.To roll-out/enhance the credit lending framework including policies, processes, MIS, controls, etc for the Secured Lending business in TW.
2.Monitor and validate credit policies, processes, MIS, controls across program and customer lifecycle. Develop tracking standards and review actual results versus benchmark/target with full analyses of any variances.
3.Working with the Group/Regional Risk teams in evaluating policy change requests and further implement and execute policy strategies.
4.Identify opportunities to enable digitalization and innovation in credit cycle management processes in acquisition, data analytics and portfolio management.
5.Support strategic vision for a new operating model in CBG Credit, focusing on innovation, analytics and future-skilling.
Job Duties and Responsibilities:
1.Manage policy / processes for Secured Products (Mortgage Loan & Trusting Lending)
2.Co-work with BU in the preparation & implementation of product programs for Secured Products.
3.Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
4.Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance
5.Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit systems team, credit operations team and collection team
6.Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems
7.Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actions
8.Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps
9.Ensure issues/action plans arising from Risk & Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly followed up.
10.Provide support to ongoing/pipeline digital lending projects including Ecosystem partnership initiatives.
薪資待遇：
薪資面議(經常性薪資達4萬元含以上)
休假制度：
週休二日
上班日期：
一個月內
工作性質：
全職
工作地點：
台北市內湖區
職務類別：
稽核人員
需求人數：
1人
管理人數：
無
出差說明：
不需出差
外派說明：
不需外派
徵才特色
＃100大金融業
工作條件
學歷要求：
大學
科系要求：
商業及管理相關、財務金融學類、經濟學類
工作經驗：
8 年以上
身份類別：
不拘
外語能力：
英文 聽：精通 說：精通 讀：精通 寫：精通
法定保障
勞保、健保、特別休假、產假、陪產假、育嬰假、家庭照顧假、加班費
企業福利
注意：各職缺福利項目可能有所不同，實際職缺福利請依面試時與公司面談結果為準。
保險福利：
團保、眷屬團保
休假制度：
週休二日、不扣薪病假
獎金制度：
績效獎金
輔助津貼：
旅遊補助、進修補助、伙食津貼
休閒娛樂：
尾牙/不定期餐敘
福利設施：
員工休息室
其他福利：
員工健康檢查、教育訓練、進修、社團活動、配發電腦
更多福利：
人才是公司最重要的資產，星展銀行持續實踐對員工的承諾，我們依照不同世代員工的多元需求，打造讓員工更愉悅且安心的職場環境，讓同仁不僅在工作中盡情揮灑，也能在生活中實現自我。
< 貼心的員工福利及活動 >
星展希望在員工照顧和關懷的領域裡領先市場。我們經過縝密的需求研究和持續關注市場上的動態，提供以下福利內容：
< 三大 > 理財優惠
1.外幣換匯優惠
2.投資理財手續費減/免不等
3.員工認股計畫
< 四大 > 彈性福利金
1.旅遊福利金
2.學習福利金
3.健康福利金
4.家庭福利金
< 五大 > 暖心考證培訓
1.新進人員訓練
2.完整員工職涯發展規劃
3.語言進修課程
4.海外派遣訓練
5.證照考試訓練與獎勵
< 六大 > 超水準健康保障
1.定期壽險意外險
2.住院醫療險
3.癌症醫療險
4.重大疾病險
5.眷屬醫療險(配偶子女全額公司負擔)
6免費定期健康檢查
< 七大 > 領先薪酬福利
1.具競爭力薪酬制度
2.底薪津貼
3.績效獎金
4.員工讚揚計畫
5.彈性工作時間安排
6.未成年子女保障計畫
7.職工福利(家庭日、小孩上班日、員工感恩日、電影欣賞日、節慶禮品、歌唱大賽、攝影比賽、婚喪生育補助等)
< 八大 > 貼心放假日
1.第一年即享至少14天年假
2.16周產假+7天產檢假
3.10天陪產檢及陪產假
4.領養假
5.生日假
6.新生兒照顧假
7.志工假
8.服務年資獎及年資獎勵假
其他條件
1) Sound knowledge of policies / lending frameworks followed for this product. 2) Good knowledge of credit evaluation methods, tools & techniques 3) Sound understanding of regulatory guidelines on credit issued by FEB (local regulations in TW), MAS and local laws and regulations that impact businesses in general.4) Knowledge of various banking products and risks associated with them.5) Sound data analytical skills
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