Corporate Credit Specialist

Affin Pheim; Kuala Lumpur; On-site; MYR 180,000 - 260,000; Full time

Job summary

Affin Pheim in Kuala Lumpur is seeking a Corporate Credit Specialist to evaluate credit proposals from Business Units and present independent credit views to the approving authority for prudent lending decisions.

The role requires strong credit analytical skills, 8+ years in wholesale credit, and experience preparing credit papers for corporate banking products. Certifications like CCP, CFA, ACCA, CPA are advantageous.

Qualifications

• 8+ years of hands-on experience in non-retail corporate or wholesale credit.
• Experience preparing and evaluating credit papers for corporate banking products.
• Involvement in corporate credit appraisal or approval is desirable.
• Professional certifications such as CCP, CFA, ACCA, CPA, ICAEW are advantageous.
• Strong knowledge of industry dynamics and risk indicators.

Responsibilities

• Evaluate credit proposals and provide recommendations to the approving authority.
• Review and validate credit ratings for accuracy and consistency.
• Assess risk areas including facility structure, financial risk, and repayment capacity.
• Engage with Business Units to promote sound credit culture and best practices.
• Ensure compliance with internal policies and regulatory requirements.
• Present independent credit views to support sound decisions.

Skills

Credit analysis

Financial statement analysis

Cash flow forecasting

Risk assessment

Negotiation & communication

Education

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

Job description

## Corporate Credit SpecialistApply: Menara Affin, TRX: Full time: Posted 30+ Days Ago: JR105316# **Create the future with Affin! You too can make a difference.***We continuously innovate to transform our financial services landscape - making banking better and easier. Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. You too can make a difference.*## Job Summary:The role is responsible for evaluating credit applications and memos submitted by Business Units and providing sound recommendations to the approving authority to support informed and prudent credit decisions.## **Job Accountabilities:*** Evaluate credit proposals submitted by Business Units and provide recommendations to the approving authority and/or credit committee to facilitate informed decision-making.* Review and validate credit ratings to ensure accuracy and consistency.* Identify and highlight credit exceptions, ensuring exposures remain within approved thresholds and the Bank’s risk appetite.* Assess and recommend appropriate MFRS 9 staging levels in line with accounting standards and risk indicators.* Analyse and comment on key risk areas including facility structure, financial risk, business risk, industry risk, and repayment capacity.* Review and assess the borrower’s cash flow projections for reasonableness and sustainability.* Engage with Business Units to promote sound credit culture, reinforce risk-return discipline, and encourage adoption of best practices in credit assessment.* Ensure compliance with internal policies and regulatory requirements in the execution of duties.* Present and articulate independent credit views and recommendations to the approving authority and/or credit committee to support acceptance and sound credit decisions.## Job Requirements:* Bachelor’s degree in a relevant field (e.g., Finance, Accounting, Economics, Business).* Minimum 8 years of hands-on experience in managing non-retail corporate or wholesale credit, either as a corporate banker or credit analyst/approver.* Prior experience in preparing and evaluating credit papers for corporate banking products is essential.* Prior involvement in corporate credit appraisal or approval is highly desirable.* Professional certifications such as CCP, BCP, Omega, ACCA, CPA, ICAEW, or CFA are advantageous.* Strong credit analytical skills, including financial statement analysis and cash flow forecasting.* Solid understanding of industry dynamics, market trends, and general business environment.* Effective negotiation and communication skills to address credit-related matters with Business Units.* Ability to work under pressure in a fast-paced environment while maintaining high standards of accuracy and judgment.