Credit Analyst

Bank Pembangunan Malaysia Berhad Group; Kuala Lumpur; On-site; MYR 60,000 - 80,000; Full time

Job summary

A major banking institution in Malaysia is seeking a Credit Analyst to mitigate credit and investment risk through independent assessments. The role involves enhancing credit rating models, preparing risk reports, and guiding junior members. Ideal candidates will have a Bachelor's degree in a relevant field and at least three years of credit risk management experience. Strong analytical skills and proficiency in Microsoft tools are essential. Join us to create a positive impact on Malaysia's future.

Qualifications

• Minimum of three years of relevant experience in credit risk management.
• Professional Certification such as Chartered Banker or Certified Credit Professional is advantageous.
• Ability to critically assess financial and non-financial information.

Responsibilities

• Conduct independent credit risk assessments.
• Prepare Credit Risk Analysis Reports within stipulated turnaround times.
• Enhance and validate credit rating models.

Skills

Analytical capability

Financial statement analysis

Cash flow analysis

Interpersonal skills

Communication skills

Attention to detail

Education

Bachelor’s Degree in Economics, Business Administration, Finance, or Accounting

Tools

Microsoft Excel

Microsoft Word

Microsoft PowerPoint

Job description

Credit Analyst page is loaded## Credit Analystlocations: Kuala Lumpurtime type: Full timeposted on: Posted Todayjob requisition id**Elevate Your Banking Career with us! Be part of a team that is driving sustainable development and making positive impact on Malaysia's future.****Job Summary**To mitigate credit and investment risk through the provision of independent, comprehensive credit risk assessments, ensuring prudence and sound judgment in credit and investment approval processes. This role is pivotal in minimizing impaired credits and impairment provisions across the Bank and its subsidiaries, thereby safeguarding the overall credit quality of the Group’s portfolio.**Job Description**## **Key Responsibilities**### **Desired Goals****Enhance and Validate Credit Rating Models*** Coordinate the review and enhancement of existing credit rating models and assess newly developed models for relevance and accuracy.* Organize and manage testing sessions for enhanced and new rating models to ensure user acceptance and effective implementation.**Validation and Back-Testing of Rating Models*** Coordinate data retrieval from the rating model database and other relevant sources for validation exercises.* Facilitate consultants or independent parties in data cleaning, model validation, and performance assessment.### **Customer / Business Partner Focus*** Conduct independent **credit risk assessments** and **rating validations** on new and existing credit/investment proposals and variation requests from BPMB, PLC, and GMV.* Perform validation of risk ratings using approved credit rating models and ensure accuracy in the assessment of obligors and guarantors.* Prepare **Credit Risk Analysis Reports / Investment Risk Analysis Reports** within stipulated turnaround times and with minimal supervision.* Manage expectations and maintain effective communication with internal stakeholders and counterparties.* Participate in **strategic projects and initiatives** aimed at enhancing credit quality and strengthening credit risk culture across the Banking Group.* Represent the department at Committee Meetings to provide clarifications and relevant inputs on queries raised.* Guide and mentor junior team members in credit risk assessment to promote continuous learning and knowledge sharing within the team.### **Internal Process*** Maintain and continuously enhance the **Credit Risk Management Framework**, **Credit Risk Management Policy**, **Credit Rating Guide**, and related procedures. + Review and update policies to align with current internal controls and regulatory requirements. + Revise the Credit Rating Guide to ensure it accurately reflects current processes, parameters, and guiding principles for credit and guarantor assessments. + Update standard operating procedures (SOPs) for credit risk evaluation and establish new procedures as needed to strengthen risk management practices.### **Learning & Growth*** Participate in relevant **training programs, courses, and seminars** to enhance technical and professional knowledge.* Contribute to a **collaborative and supportive work environment**, fostering teamwork and professional growth.* Provide **on-the-job training and guidance** to new or junior team members to develop departmental capabilities.## **Job Requirements*** **Academic Qualification:** Bachelor’s Degree in Economics, Business Administration, Finance, or Accounting.* **Professional Certification (advantageous):** Chartered Banker, Certified Credit Professional (Business), or OMEGA Credit Skills Assessment (CSA).* **Experience:** Minimum of three (3) years of relevant experience in credit risk management, including credit evaluation and appraisal.* **Technical Competencies:** + Strong analytical capability with the ability to critically assess financial and non-financial information in project or financing proposals. + In-depth knowledge of **financial statement and cash flow analysis**. + Solid understanding of **industry dynamics** and risk drivers. + Proficiency in **Microsoft Excel, Word, and PowerPoint**.* **Behavioral Competencies:** + Strong interpersonal and communication skills with the ability to manage stakeholder expectations effectively. + Detail-oriented, structured, and able to work independently with minimal supervision.**Requirement**Credit Analyst (Open)*Don't miss out this opportunity, let's CREATE your journey to excellence with us!*