Credit Advisor

Aprove Ventures Sdn Bhd; Kuala Lumpur; On-site; MYR 67,000 - 100,000; Full time

Benefits offered by this job

Annual bonus

Paid leave

Laptop provided

Public holidays

Cozy environment

Job summary

Aprove Ventures Sdn Bhd in Kuala Lumpur is seeking an SME Lending Analyst to meet SME clients, understand financing needs, and recommend appropriate loan products to support business objectives.

You will conduct financial analysis, interpret statements, assess risk, ensure compliance with Bank Negara Malaysia guidelines, and facilitate the full loan application process with internal teams. Strong communication and regulatory knowledge are essential.

Qualifications

• Proficiency in financial analysis techniques, including ratio analysis, cash flow modeling, and risk assessment.
• Ability to interpret financial statements, assess business performance, and make informed lending decisions.
• Good interpersonal and communication skills, with the ability to build rapport with SME clients and communicate complex financial concepts effectively.
• Understanding of banking regulations, credit policies, and compliance requirements relevant to SME lending in Malaysia, including guidelines issued by Bank Negara Malaysia (BNM) and other regulatory authorities.

Responsibilities

• Meet SME clients to understand their financing needs, business objectives, and financial constraints in order to recommend appropriate loan products to clients.
• Facilitate full loan application process from initiation paperwork to approval, and liaising with internal departments.
• Ensure compliance with regulatory requirements and internal policies throughout the loan origination process.
• Stay abreast of market trends, industry developments, and regulatory changes affecting SME financing in Malaysia.

Skills

Financial analysis

Ratio analysis

Cash flow modeling

Risk assessment

Interpret financial statements

Lending decisions

Interpersonal skills

Communication

Job description

Jora Malaysia will close on 16th September 2026. Thank you for being with us, we are cheering you on as you continue your career journey.

Proficiency in financial analysis techniques, including ratio analysis, cash flow modeling, and risk assessment.

Ability to interpret financial statements, assess business performance, and make informed lending decisions.

Good interpersonal and communication skills, with the ability to build rapport with SME clients and communicate complex financial concepts effectively.

Understanding of banking regulations, credit policies, and compliance requirements relevant to SME lending in Malaysia, including guidelines issued by Bank Negara Malaysia (BNM) and other regulatory authorities.

Requirement

• Proficiency in financial analysis techniques, including ratio analysis, cash flow modeling, and risk assessment.
• Ability to interpret financial statements, assess business performance, and make informed lending decisions.
• Good interpersonal and communication skills, with the ability to build rapport with SME clients and communicate complex financial concepts effectively.
• Understanding of banking regulations, credit policies, and compliance requirements relevant to SME lending in Malaysia, including guidelines issued by Bank Negara Malaysia (BNM) and other regulatory authorities.

Responsibility

• Meet SME clients to understand their financing needs, business objectives, and financial constraints in order to recommend appropriate loan products to clients.
• Facilitate full loan application process from initiation paperwork to approval, and liaising with internal departments.
• Ensure compliance with regulatory requirements and internal policies throughout the loan origination process.
• Stay abreast of market trends, industry developments, and regulatory changes affecting SME financing in Malaysia.

Benefits

• Annual Performance review for increment & bonus
• Paid Leave
• Working devices e.g. laptop & phone are provided
• Observe all gazetted Public Holidays
• Cozy working environment