Credit Analyst

Alliance Bank Malaysia Berhad; Kuala Lumpur; On-site; MYR 100,000 - 150,000; Full time

Job summary

A leading financial institution in Kuala Lumpur is seeking an experienced candidate for a role focused on analyzing credit risk and preparing financial models. The ideal applicant will have at least 1-2 years of relevant experience, a Bachelor's degree in a related field, and strong quantitative skills. This position involves ongoing credit assessments and compliance measures related to investment evaluations.

Qualifications

• 1-2 years of financial analysis or credit-related experience.
• Strong quantitative skills are required.

Responsibilities

• Interpret and analyze market sector impacts on credit risk.
• Compile financial models and apply economic analysis.
• Prepare internal memos with credit limit recommendations.
• Monitor issuer creditworthiness continuously.

Skills

Financial analysis

Credit risk modeling

Statistical analysis

Communication skills

MS Office (Excel, Word)

Education

Bachelor's degree in Accounting, Finance, or Business

Job description

Responsibilities

• Interpret and analyze market sector activity impact on credit risk & credit rating.
• Industry sector coverage of minimum 5.
• Compile detailed financial models and projections and apply economic and industry analysis.
• Formulate a clear and concise credit view and recommendations in writing.
• Prepare internal memo with recommendation of credit limit to seek Credit Underwriting concurrence.
• Perform on-going monitoring of issuer creditworthiness.
• Conversant and be updated on issuer’s announcements or press release and the rating rationales released by the rating agency.
• Assess, evaluate and review the internal ESG rating for all bond issuers.
• Review and quantify the key drivers for Environmental & Climate risk.
• Quantify carbon emission for bond issuers.
• Conversant with the relevant acts, rules and regulations affecting the issuer’s business and the debt securities industry and be conversant with all statutory modifications and re-enactments as may be introduced thereto.
• Compliance at all times with the relevant internal policy and guidelines relating to investment evaluations.
• Build and maintain an updated ‘Pre-approved Bond Master List’ from time to time. The Pre-approved Bond Master List shall contain the (i) exempted securities (automatic qualifiers) and reason for exemptions (i.e. subject to Government guarantee is in place); (ii) New Issues; and (iii) Existing Issues.
• Ad-hoc assignments relating to credit review.

Qualifications

• At least 1-2 years of financial analysis/ credit related experience.
• Bachelor degree in Accounting, Finance, Business or related field with strong quantitative skills.

Required Skills

• Build financial and quantitative risk models.
• Perform financial statement analysis.
• Statistical analysis for credit risk portfolio modeling.
• Good verbal communication and listening skills.
• MS Offices Knowledge - Excel and Word.