CREDIT ANALYST

ORPHEUS CAPITAL SDN BHD; Kuala Lumpur; On-site; MYR 60,000 - 90,000; Full time

Job summary

ORPHEUS CAPITAL SDN BHD is seeking a credit risk analyst to conduct in-depth financial data analysis and assess creditworthiness of clients in Malaysia. You will use risk assessment tools to evaluate default likelihood and related risks when reviewing new and existing credit lines and portfolios.

You will gather financial information from clients, guide them on credit terms, and prepare detailed credit analysis reports for management review.

Qualifications

• Strong analytical skills in assessing credit risk and financial data.
• Ability to forecast potential credit outcomes and communicate findings clearly.
• Experience with credit policy adherence and risk mitigation.

Responsibilities

• Conduct in-depth analysis of financial data and credit reports to assess credit worthiness.
• Utilize risk assessment tools to evaluate default risk for clients.
• Evaluate loan applications and credit lines for viability and risk.
• Communicate with clients to collect financial information and discuss terms.
• Prepare and present credit analysis reports for management review.
• Stay updated on industry trends and regulatory changes affecting credit decisions.
• Monitor credit risk exposure and identify opportunities for mitigation.

Skills

Financial analysis

Risk assessment

Credit analysis

Communication

Time management

Organizational skills

Independent work

Attention to detail

Forecasting

Industry trend awareness

Tools

Microsoft Office

CRM

Job description

Conduct in-depth analysis of financial data and credit reports to assess the credit worthiness of potential and existing clients.

Utilize risk assessment tools and techniques to evaluate the likelihood of default and potential credit risks associated with new and existing clients.

Evaluate loan applications, credit lines, and other financial products to determine their viability and potential risks, ensuring adherence to internal policies and regulatory requirements.

Communicate with clients to collect financial information, provide guidance on credit-related matters, and discuss credit terms and conditions.

Ensure compliance with established credit policies and procedures, and recommend changes or updates when necessary to mitigate risk and improve credit decision-making.

Prepare and present detailed credit analysis reports, including financial statements, credit scoring, risk assessment summaries for management review and able to do forecasting.

Stay updated on industry trends, economic developments, and regulatory changes to assess potential impacts on credit decisions and portfolio management.

Monitor and manage the credit risk exposure of the organisations portfolio, identifying potential issues and opportunities for risk mitigation and portfolio optimization.

Familiarity with SMEs and awareness of the latest business dynamics will be an advantage

Strong written and interpersonal communication skills (English & Malay).

Proficient skills in email, Microsoft Office Suite (Word, PowerPoint and Excel).

Excellent time management and organizational skills CRM experience is preferred.

Accuracy and attention to detail.

Able to work independently with low supervision and minimum guidance.

Knowledge of risk mitigation solutions.