Credit Analyst

Bank Islam; Kuala Lumpur; On-site; MYR 60,000 - 100,000; Full time

Job summary

Bank Islam in Malaysia is seeking a skilled Credit Risk Analyst to conduct client evaluations, assess financial standing, and manage credit risk in a regulatory-compliant environment. You will monitor margin positions, support collateral liquidation, and contribute to risk mitigation strategies with a focus on SMF and SBL products.

Ideal candidates have 3–5 years in credit analysis, strong analytical skills, and proficiency in Excel and Power BI for monitoring and reporting.

Qualifications

• 3–5 years in credit analysis or related banking roles.
• Experience with SMF, SBL or capital market products is a plus.

Responsibilities

• Conduct proper client evaluation, including assessment of financial standing and collateral quality.

Skills

Credit risk management

Financial statement analysis

Risk assessment

Tools

Excel

Power BI

Job description

Jora Malaysia will close on 9th September 2026. Thank you for being with us, we are cheering you on as you continue your career journey.

This role involves conducting client evaluations, performing independent credit assessments, and managing credit risk in a financial services environment. You will monitor margin positions, identify early warning signals, implement risk mitigation measures, and support recovery and collateral liquidation processes.

Key responsibilities

Conduct proper client evaluation, including assessment of financial standing and collateral quality (e.g., share liquidity, volatility, and concentration risk)

Perform independent credit assessment and recommend appropriate financing limits

Monitor margin positions, identify early warning signals, and implement timely risk mitigation measures

Ensure compliance with internal credit policies as well as relevant regulatory requirements

Support recovery and collateral liquidation processes in the event of default

Conduct credit assessments and recommend financing limits

Monitor margin accounts and manage margin calls

Track portfolio exposure and risk concentration

About you

Minimum 3–5 years in credit analysis, credit risk management, stockbroking, or banking

Prior exposure to Share Margin Financing (SMF), Securities Borrowing and Lending (SBL), or capital market products is an added advantage

Strong analytical skills in financial statement analysis and credit evaluation

Ability to assess collateral risk, including market volatility and concentration exposure

Familiarity with equity markets and applicable regulatory frameworks

Proficiency in data analysis tools (e.g., Excel, Power BI) for monitoring and reporting purposes