CREDIT ANALYST EXECUTIVE

JCL Credit Leasing Sdn Bhd; Kuala Lumpur; On-site; MYR 100,000 - 150,000; Full time

Job summary

A leading financial institution is seeking a Credit Analyst to evaluate loan applications and assess creditworthiness through comprehensive financial analysis. The ideal candidate will have a Bachelor’s degree in relevant fields and strong analytical skills, contributing to efficient loan approvals. Benefits include medical allowances, housing support, and educational benefits, ensuring a rewarding working environment.

Benefits

Annual Medical Checkup (Leader and above)

Medical Checkup for staff above 30

Housing Allowance

Education Benefits

Medical, Life and Accident Insurance

Position Allowance (Instructor and Leader)

Birth Allowance

Loyalty Award

Attendance and Good Behavior Awards

Team Entertainment Allowance

Bereavement Allowance

Field Visit Allowance

Accommodation Allowance for visits

Qualifications

• 1 year relevant experience in credit evaluation preferred.
• Proficiency in Bahasa Malaysia and English.
• Fresh graduates are encouraged to apply.

Responsibilities

• Review loan applications and assess applicants' creditworthiness based on established criteria.
• Analyze financial statements and credit reports to evaluate income and payment history.
• Collaborate with sales team to streamline loan approval processes.

Skills

Credit Evaluation

Financial Analysis

Risk Assessment

Credit Reporting

Analytical Skills

Education

Bachelor's Degree in Finance, Accounting, Banking or equivalent

Job description

Review loan applications and assess applicants' creditworthiness based on established criteria and risk assessment models.

Analyze financial statements, credit reports, and other relevant documents to evaluate applicants' income, assets, liabilities, and payment history.

Review credit risk for new applications and existing customers by conducting creditworthiness checks, making credit limit recommendations, and evaluating and mitigating credit risks.

Calculate debt-to-income ratios, credit scores, and other key metrics to gauge borrowers' ability to repay loans.

Evaluate all customer-provided information to ensure accuracy and compliance with guidelines.

Make informed recommendations regarding loan approvals, rejections, or modifications based on credit analysis and risk assessment.

Ensure decisions align with established credit policies, lending guidelines, and regulatory requirements.

Collaborate with the internal sales team to streamline the loan approval process and improve efficiency.

Conduct periodic credit evaluations and meetings with the sales team on existing customers; develop and implement credit control procedures.

Responsible for minimizing defaults and bad debts on ongoing loans.

Perform other duties as assigned.

Job Requirements:

• Candidate must possess at least a Bachelor's Degree in Finance, Accounting, Banking, or equivalent.
• At least 1 year of relevant experience, preferably in credit evaluation.
• Proficiency in Bahasa Malaysia and English.
• Fresh graduates are encouraged to apply.
• Able to start immediately.

Staff Benefits:

• Annual Medical Checkup (Leader and above)
• Medical Checkup for staff working more than 1 year and aged above 30
• Housing Allowance
• Education Benefits
• Medical, Life, and Accident Insurance
• Position Allowance (Instructor and Leader)
• Birth Allowance
• Loyalty Award
• Attendance and Good Behavior Awards
• Team Entertainment Allowance
• Bereavement Allowance
• Field Visit Allowance
• Accommodation Allowance for visits

Additional Information:

Update your profile with your expected salary and experience to receive insights on how your skills match this job.

Application questions include your expected monthly salary, years of credit analyst experience, and qualification types.