Business Credit Risk Evaluator

AmBank Group; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Job summary

AmBank Group in Kuala Lumpur, Malaysia, is seeking an experienced Business Credit Risk Evaluator to assess SME/Commercial lending applications and provide well-supported recommendations for approval.

You will identify risks, ensure adherence to credit policies, and collaborate with Sales and underwriting teams to support timely decisions. A degree in finance or related fields, plus 5 years of banking experience, is required.

Qualifications

• Bachelor’s Degree in Finance, Accountancy, Economics, or related discipline, or professional qualifications such as ACCA, CPA or CIMA.
• Minimum 5 years of banking experience, preferably in SME and/or Commercial credit/lending.
• Strong knowledge of credit assessment, financial analysis, risk evaluation and credit policies.
• Strong analytical, credit writing, and stakeholder management skills.
• Front-line banking experience will be an added advantage.

Responsibilities

• Assess and evaluate credit applications across the SME Banking portfolio.
• Identify key credit risks and recommend appropriate credit decisions to the relevant Approving Authority.
• Maintain high standards of credit underwriting quality while meeting established turnaround times.
• Ensure compliance with credit policies, guidelines, grading requirements, and approved parameters.
• Identify opportunities to enhance existing credit policies and guidelines.
• Partner with Sales and conduct joint customer calls, where required, to gain a deeper understanding of customers’ businesses and financing needs.
• Work closely with the Team Lead / Senior Underwriter and other stakeholders to support sound and timely credit decisions.

Education

Bachelor’s Degree in Finance, Accountancy, Economics, or related discipline

ACCA/CPA/CIMA qualification

Job description

Are you an experienced Business Credit Risk Evaluator with a strong background in SME or Commercial Lending?

We’re looking for a credit professional with strong analytical skills and sound credit judgement to assess complex credit applications, identify key risks, and provide well-supported recommendations for approval.

What You’ll Do

Assess and evaluate credit applications across the SME Banking portfolio.

Identify key credit risks and recommend appropriate credit decisions to the relevant Approving Authority.

Maintain high standards of credit underwriting quality while meeting established turnaround times.

Ensure compliance with credit policies, guidelines, grading requirements, and approved parameters.

Identify opportunities to enhance existing credit policies and guidelines.

Partner with Sales and conduct joint customer calls, where required, to gain a deeper understanding of customers’ businesses and financing needs.

Work closely with the Team Lead / Senior Underwriter and other stakeholders to support sound and timely credit decisions.

Bachelor’s Degree in Finance, Accountancy, Economics, or a related discipline, or professional qualifications such as ACCA, CPA or CIMA.

Minimum 5 years of banking experience, preferably in SME and/or Commercial credit/lending.

Strong knowledge of credit assessment, financial analysis, risk evaluation and credit policies.

Strong analytical, credit writing, and stakeholder management skills.

Front-line banking experience will be an added advantage.

Ready for Your Next Move?

If you’re passionate about credit, enjoy analyzing businesses beyond the numbers, and have the confidence to make sound credit recommendations, we’d love to hear from you.

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Since our founding in August 1975, AmBank Group has grown into one of Malaysia’s largest banking groups by market capitalization. Our dynamic ecosystem includes:

At AmBank Group, we believe that diversity fuels innovation, and creativity drives progress. Our P2ACE Employee Value Proposition—Principled, Proactive, Appreciative, Collaborative, and Experimental— is the heartbeat of our culture. It shapes how we work, how we grow, and how we make a difference.

We’re on the lookout for motivated, agile, and ambitious individuals who are ready to challenge the norm and shape the future of banking.

Join us.