Credit Analyst Executive

Moneysave; Selangor; On-site; MYR 48,000 - 72,000; Full time

Job summary

Moneysave, based in Selangor, Malaysia, is seeking a Credit Analyst to assess finance applications from issuers and SMEs. You will prepare financial analyses, evaluate cash flow, and structure credit facilities in line with policy.

Applicants should have a Bachelor's in Accounting/Finance and at least 1 year of experience in credit assessment, with strong Excel skills and English communication. CFA/ACCA is a plus.

Qualifications

• Bachelor's degree in Accounting, Finance, or related discipline.
• Minimum 1 year of relevant experience in credit assessment for Corporate/Commercial SME financing.
• CFA/ACCA or equivalent adds advantage.
• CCR certificate adds advantage.
• Strong analytical and reporting skills.
• Proficient in English and MS Office applications.

Responsibilities

• Prepare financial spreadsheets and cash flow statements from Audited/Management accounts.
• Conduct credit risk assessments covering financial, industry, and management risk.
• Assess repayment capacity using debt service and cash flow analysis.
• Review and structure credit facilities for working capital, term loans, and financing.
• Prepare credit memos for Management approval and draft offers/security docs.

Skills

Credit risk analysis

Financial analysis

Communication & report writing

MS Office proficiency

Education

Bachelor's degree in Accounting/Finance

Tools

Microsoft Excel

PowerPoint

Job description

Key responsibilities

• Preparation of financial spreadsheets based on company's Audited accounts/Management accounts including cash flow statements of Issuers (Borrowers).
• Conduct credit risk assessments covering Financial risk, Industry risk and Management risk.
• Assess the repayment capacity as evidenced by Issuer's debt servicing analysis / cash flow and evaluate credit risk covering liquidity, leverage and profitability.
• Review applications for working capital, term loans, invoice-financing and project financing after conducting due diligence on the applicants and to structure appropriate credit facilities in line with the purpose of the facility.
• Analyze and evaluate credit applications in line with the Company's Credit Policy guidelines and regulatory guidelines and prepare credit memos for Management approval.
• Preparation of Letter of offers and Security Documentation for facility drawdown.
• Ensure confidentiality of all company data and information records.
• Work closely as a team within the department and with other department members to complete tasks in stipulated time.
• Provide support on ad-hoc projects and tasks assigned.

Requirements

• Bachelor's degree in Accounting, Finance, or a related discipline.
• Minimum 1 year of relevant experience in credit assessment and evaluation of Corporate / Commercial SME financing, including Trade Finance, Factoring, or Equipment Financing within a Bank or Financial Institution.
• Possession of a recognised professional qualification such as CFA, ACCA, or equivalent will be an added advantage.
• Possession of a Certificate in Credit (CCR) will be an added advantage.
• Strong analytical skills with attention to detail, coupled with good communication and report-writing abilities.
• Proficient in Microsoft applications-Word, Excel, PowerPoint.
• Ability to work effectively both independently and as part of a team.
• Proficient in written and spoken English.