Credit Analyst

Bank Islam Malaysia Berhad; Kuala Lumpur; On-site; MYR 56,000 - 100,000; Full time

Job summary

Bank Islam Malaysia Berhad in Malaysia is seeking a Credit Analyst to conduct client evaluations, perform independent credit assessments, and manage credit risk within a financial services context.

You will monitor margin positions, identify early warning signals, and implement risk mitigation measures while ensuring adherence to internal policies and regulatory requirements. A degree in any discipline and strong analytical skills are essential.

Qualifications

• Minimum 3-5 years in credit analysis, credit risk management, stockbroking, or banking.
• Prior exposure to SMF, 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.
• A degree in any discipline.

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.

Skills

Analytical skills

Credit analysis

Financial analysis

Data analysis

Education

Any degree

Tools

Excel

Power BI

Job description

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

A degree in any discipline

Strong financial acumen and knowledge

Your application will include the following questions:

• Which of the following statements best describes your right to work in Malaysia?
• What's your expected monthly basic salary?
• How many years' experience do you have as a Credit Analyst?
• Which of the following types of qualifications do you have?

Bank Islam Malaysia Berhad is the pioneer of Islamic banking system in Malaysia. We have grown to become one of the nation’s leading financial institutions, providing a wide range of products and services to meet the financial and banking needs of all Malaysians, regardless of race and religion. A career with Bank Islam means an outstanding opportunity to develop a professional vocation in the ever-challenging banking industry. Be a part of an organisation that is totally committed to developing Malaysia as one of the leading global Islamic financial centres.

Follow our Careers IG @gobeyondatbankislam for more information on our culture and new career opportunities!

Bank Islam Malaysia Berhad is the pioneer of Islamic banking system in Malaysia. We have grown to become one of the nation’s leading financial institutions, providing a wide range of products and services to meet the financial and banking needs of all Malaysians, regardless of race and religion. A career with Bank Islam means an outstanding opportunity to develop a professional vocation in the ever-challenging banking industry. Be a part of an organisation that is totally committed to developing Malaysia as one of the leading global Islamic financial centres.

Follow our Careers IG @gobeyondatbankislam for more information on our culture and new career opportunities!