Credit Analyst

Goldbell Group; Selangor; On-site; MYR 100,000 - 150,000; Full time

Job summary

An established industry player is looking for a proactive Credit Analyst to enhance their auto finance operations in Malaysia and Singapore. This role is pivotal in assessing credit risks and ensuring compliance with regulatory standards. The successful candidate will collaborate closely with local teams, analyzing financial statements and credit reports to make informed recommendations. With a focus on KYC compliance and risk management, this position offers the opportunity to contribute significantly to the company's growth and stability. If you possess strong analytical skills and a keen eye for detail, this could be the perfect role for you.

Qualifications

• Minimum 3 years of experience in credit risk assessment, preferably in hire purchase lending.
• Strong knowledge of credit analysis and risk management practices.

Responsibilities

• Review and assess hire purchase loan applications by analyzing financial statements.
• Conduct KYC reviews ensuring complete documentation and compliance.

Skills

Credit Risk Assessment

Financial Analysis

KYC Compliance

Analytical Skills

Attention to Detail

Education

Degree in Finance

Degree in Accounting

Degree in Business

Tools

MS Office

Job description

We are seeking a proactive and analytical Credit Analyst with a strong background in auto finance, financial analysis, and KYC compliance. The successful candidate will play a key role in assessing credit risks, performing due diligence, and supporting auto finance portfolios across both the Singapore and Malaysia markets. This role requires close collaboration with local business teams to ensure credit practices align with regulatory standards and market trends.

Key Responsibilities:

1. Review and assess hire purchase loan and floor stock applications by analyzing applicant’s financial statements (P&L, balance sheet, cash flow), credit reports, income documents, and other supporting data.
2. Recommend applications based on established credit policies, authority limits, and risk parameters.
3. Evaluate the potential risks associated with lending, considering factors such as customer profile, loan amount, repayment capability, and historical data.
4. Maintain accurate records of credit assessments, decisions, and justifications in the credit evaluation system.
5. Work closely with Sales and Operations departments to facilitate loan processing and resolve queries or discrepancies.
6. Conduct Know Your Customer (KYC) reviews for individual and corporate applicants, ensuring complete and accurate documentation.
7. Perform Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) where applicable, in line with internal policies and regulatory requirements.
8. Work closely with compliance team to identify and report any suspicious activities or red flags.
9. Maintain accurate records and ensure timely refresh of KYC documentation.
10. Any other duties assigned on ad-hoc basis.

Qualifications & Skills:

1. Degree in Finance, Accounting, Business, or a related field.
2. Minimum 3 years of experience in credit risk assessment, preferably in hire purchase lending and floor stock.
3. Strong knowledge of credit analysis, credit scoring, and risk management practices.
4. Experience in KYC compliance is preferred.
5. Excellent analytical, decision-making, and problem-solving skills.
6. High attention to detail and ability to work under pressure.
7. Proficiency in MS Office.

Additional Information:

Interested candidates may be prompted to answer questions such as:

• Which of the following statements best describes your right to work in Malaysia?
• What is your expected monthly basic salary?
• Which of the following types of qualifications do you have?
• How many years of experience do you have as a Credit Analyst?
• Have you worked in a role which requires experience with financial analysis and modelling?

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