Credit Analyst, Credit Assessment & Review Department, SME Banking

Bank Islam; Kuala Lumpur; On-site; MYR 100,000 - 150,000; Full time

Job summary

A leading company in the banking sector is looking for a Credit Analyst to join their Credit Assessment & Review Department in SME Banking. The ideal candidate will be responsible for credit evaluations, approval processes, and ensuring compliance with regulatory requirements. Candidates must possess a Bachelor's degree in Finance or related fields, with a minimum of 2-3 years' experience in credit evaluation. Strong analytical skills, attention to detail, and proficiency in financial software are essential for this role.

Qualifications

• Minimum of 2-3 years of experience in credit evaluation.
• Strong understanding of credit evaluation and risk assessment processes.
• Proficient in relevant financial software.

Responsibilities

• Process and evaluate new and enhancement applications.
• Prepare Guarantee Notification Request for submission to SJPP.
• Communicate with Sales & Marketing Team to ensure proper documentation.

Skills

Analytical skills

Problem-solving skills

Interpersonal skills

Communication skills

Attention to detail

Organizational skills

Education

Bachelor's degree in Finance

Bachelor's degree in Business Administration

Tools

Microsoft Office Suite

Credit risk management tools

Job description

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Credit Analyst, Credit Assessment & Review Department, SME Banking

Job Description:

Job Responsibilities:

• Credit Evaluation of New and Enhancement Applications

  • Process and evaluate new and enhancement applications.
  • Complete the Memorandum of Approval (MA) / Credit Proposal.

• Issue Mitigation

  • Address and mitigate issues raised by the Credit Management Division.

• Approval Process

  • Present applications and seek approval from the respective Financing Committee.

• Guarantee Coverage

  • Prepare Guarantee Notification Request for submission to SJPP for guarantee coverage on the approved credit application.

• Letter of Offer Preparation

  • Prepare the Letter of Offer (LO) for issuance to the Sales & Marketing Team (SMT).

• Communication and Coordination

  • Communicate with the Sales & Marketing Team (SMT) to ensure all required documents are properly submitted.

• Risk Assessment and Quality Control

  • Ensure that submissions from the Sales & Marketing Team (SMT) are within the accepted risk appetite to secure quality customers.

• Process and Compliance Adherence

  • Ensure all processes and terms comply with the standard turnaround time (TAT).
  • Adhere to internal policies/guidelines and external regulatory requirements.

• Record Keeping

  • Maintain proper records on a daily basis for assigned accounts/proposals to ensure effective tracking.

• Cross-Department Collaboration

  • Work with various units within the division or other divisions at HQ to provide support and solve issues as needed.

• Other Duties

  • Perform any other duties, assignments, or responsibilities as directed by the superior, based on business requirements.

Job Requirements:

• Education and Experience

  • Bachelor's degree in Finance, Business Administration, or a related field.
  • Minimum of 2-3 years of experience in credit evaluation, financial analysis, or a related area.

• Skills and Competencies

  • Strong understanding of credit evaluation and risk assessment processes.
  • Familiarity with regulatory requirements and internal policies related to credit approval.
  • Excellent analytical and problem-solving skills.
  • Strong communication and interpersonal skills for effective coordination with internal teams and external stakeholders.

• Technical Skills

  • Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint) and other relevant financial software.
  • Knowledge of credit risk management tools and systems.

• Attention to Detail

  • Ability to maintain accurate records and ensure compliance with internal and external guidelines.

• Organizational Skills

  • Strong organizational skills with the ability to manage multiple tasks and meet deadlines.

• Other Requirements

  • Ability to work independently and as part of a team.
  • Strong work ethic and ability to adapt to changing business needs