Associate - Credit Research

Kumpulan Wang Persaraan (Diperbadankan); Kuala Lumpur; On-site; MYR 60,000 - 90,000; Full time

Job summary

Kumpulan Wang Persaraan (Diperbadankan) is seeking a seasoned Credit Research Analyst to conduct fundamental analysis on corporate issuers, sectors, and investment opportunities. The role involves producing credit assessments, internal ratings, and timely research reports to support investment decisions.

The candidate should have a solid background in financial statement analysis and modelling, plus strong communication and stakeholder management skills.

Qualifications

• Strong financial statement analysis and modelling skills are essential.
• Familiarity with credit markets and investment research methodologies.
• Excellent analytical, communication, and stakeholder management abilities.
• Bachelor’s degree in Finance, Accounting, Economics, Business or related discipline is required.

Responsibilities

• Conduct fundamental credit analysis on corporate issuers, sectors, and investment opportunities.
• Prepare credit assessment papers, internal credit ratings, and investment recommendations.
• Analyse financial statements, business fundamentals, industry dynamics, and credit risks.
• Support development of investment views and credit strategies across sectors and issuers.
• Monitor investee companies and market developments; identify material developments affecting creditworthiness.
• Prepare and present research findings and credit opinions to stakeholders and committees.

Skills

Financial analysis

Financial modelling

Analytical

Communication

Stakeholder management

Credit research methodologies

Credit market knowledge

Education

Bachelor’s degree in Finance, Accounting, Economics, Business

Job description

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• Conduct fundamental credit analysis on corporate issuers, sectors, and investment opportunities.
• Prepare credit assessment papers, internal credit ratings, investment recommendations, and ad hoc research reports.
• Analyse financial statements, business fundamentals, industry dynamics, and credit risks to assess investment suitability.
• Support the development of investment views and credit strategies across sectors and issuers.
• Monitor approved and prospective investee companies, industries, and market developments.
• Identify and elevate material developments that may impact the creditworthiness of issuers or investment portfolios.
• Conduct due diligence through engagements with investee companies, regulators, rating agencies, and industry participants.
• Gather market intelligence and provide timely updates on economic, regulatory, and industry trends affecting credit markets.

3. Reporting & Presentation

• Prepare and present research findings, credit opinions, and investment recommendations to internal stakeholders and investment committees.
• Produce regular portfolio updates, research reports, and market commentaries.
• Support the preparation of management and committee papers for investment deliberations.
• Develop, maintain, and enhance financial models, credit assessment tools, and analytical frameworks.
• Perform qualitative and quantitative analysis to identify investment risks and opportunities.
• Maintain research databases and ensure the accuracy, integrity, and timeliness of research information.

5. Stakeholder Engagement & Continuous Improvement

• Participate in meetings, conferences, industry briefings, and knowledge-sharing initiatives.
• Build and maintain professional relationships with investee companies, financial institutions, rating agencies, and industry participants.
• Contribute to departmental initiatives, process improvements, and special projects to enhance research effectiveness and operational efficiency.

Key Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Business, or any related discipline.
• Minimum of four (4) years of relevant experience in credit research, fixed income, corporate banking, credit risk, debt capital markets, or investment analysis.
• Strong financial statement analysis and financial modelling skills.
• Familiarity with credit markets and investment research methodologies.
• Strong analytical, communication, and stakeholder management skills.