Friendly working environment, yet bureaucracy remains an issue.The good things1. The supervisors and the colleagues were very welcome.
2. Job descriptions were not vague.
3. Savings products cross-selling is not compulsory for SME RM role, so the SME RM can focus on selling SME loan to the customers.
4. Loan interest rate was among the lowest compared to the competitors.
The challenges1. The loan approval bureaucracy was lengthy. Most clients I approached ended up withdrawing their credit application before the approval result came out.
2. According to the customers, the collateral appraisal result was lower than the bank's competitors.