Business Credit Executive

AME Elite Consortium Berhad 腾宇集团; Kuala Lumpur; On-site; MYR 60,000 - 90,000; Full time

Benefits offered by this job

Annual Leave

EPF

SOCSO

EIS

Job summary

AME Elite Consortium Berhad 腾宇集团 is seeking a Credit Analyst to evaluate credit applications for SME and Commercial clients. You will conduct in-depth financial analysis of audited statements, management accounts, and cash flow projections to assess repayment capability and collateral adequacy.

The role requires a Bachelor’s degree in Finance/Accounting/Economics/Business Admin or related field. CFA/ACCA/CPA or equivalent certifications are advantageous, with 2–5 years in credit analysis or risk

Qualifications

• Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, or a related discipline.
• Professional certifications such as CFA, ACCA, CPA, or equivalent will be an added advantage.
• Minimum 2–5 years of relevant experience in credit analysis, credit assessment, or risk management within banking or financial services.
• Prior exposure to SME and/or Commercial Banking portfolios is preferred.
• Strong proficiency in financial analysis, including interpretation of audited financial statements, management accounts, and cash flow projections.
• Sound understanding of credit risk assessment, including evaluation of repayment capacity, industry risk, and collateral structures.
• Familiarity with Bank Negara Malaysia (BNM) regulations, internal credit policies, and risk management frameworks.
• Ability to prepare clear, structured, and concise credit papers (e.g., Memorandum of Approval).

Responsibilities

• Evaluate credit applications for SME and Commercial clients, including new, renewal, and enhancement requests.
• Conduct detailed financial analysis on audited financial statements, management accounts, and cash flow projections.
• Assess creditworthiness based on business model sustainability, industry risks, repayment capability, and collateral adequacy.
• Prepare credit proposals and Memorandum of Approval (MA) for submission to the Credit Committee.
• Ensure adherence to internal credit policies, regulatory guidelines, and risk management frameworks.
• Collaborate with Relations

Education

Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, or a related discipline

CFA, ACCA, CPA or equivalent

Job description

• Evaluate credit applications for SME and Commercial clients, including new, renewal, and enhancement requests.
• Conduct detailed financial analysis on audited financial statements, management accounts, and cash flow projections.
• Assess creditworthiness based on business model sustainability, industry risks, repayment capability, and collateral adequacy.
• Prepare credit proposals and Memorandum of Approv
• al (MA) for submission to the Credit Committee.
• Ensure adherence to internal credit policies, regulatory guidelines, and risk management frameworks.
• Collaborate with Relations

Job Responsibility

• Evaluate credit applications for SME and Commercial clients, including new, renewal, and enhancement requests.
• Conduct detailed financial analysis on audited financial statements, management accounts, and cash flow projections.
• Assess creditworthiness based on business model sustainability, industry risks, repayment capability, and collateral adequacy.
• Prepare credit proposals and Memorandum of Approv
• al (MA) for submission to the Credit Committee.
• Ensure adherence to internal credit policies, regulatory guidelines, and risk management frameworks.
• Collaborate with Relations

Job Requirements

• Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, or a related discipline.
• Professional certifications such as CFA, ACCA, CPA, or equivalent will be an added advantage.
• Minimum 2–5 years of relevant experience in credit analysis, credit assessment, or risk management within banking or financial services.
• Prior exposure to SME and/or Commercial Banking portfolios is preferred.
• Strong proficiency in financial analysis, including interpretation of audited financial statements, management accounts, and cash flow projections.
• Sound understanding of credit risk assessment, including evaluation of repayment capacity, industry risk, and collateral structures.
• Familiarity with Bank Negara Malaysia (BNM) regulations, internal credit policies, and risk management frameworks.
• Ability to prepare clear, structured, and concise credit papers (e.g., Memorandum of Approval).

Job Benefits

• Annual Leave
• EPF
• SOCSO
• EIS