Credit Analyst, Group Treasury

Affin Pheim; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Job summary

Affin is seeking a Credit Analyst to support Group Treasury by conducting credit assessments and monitoring credit exposures. The role involves evaluating financial institutions, corporate counterparties, sovereigns and treasury-related entities, and providing independent credit analysis to facilitate prudent risk-taking and business growth.

You will work with Treasury Front Office, Middle Office, Risk Management and Compliance to ensure risk parameters are respected, while maintaining thorough

Qualifications

• Bachelor's degree required in finance, accounting, economics, business, banking or related discipline.
• Professional qualifications such as CFA, FRM, CPA, ACCA or equivalent are an added advantage.
• Minimum 5–8 years of experience in credit analysis, treasury credit risk, risk management, corporate banking, investment banking or treasury functions.
• Experience analyzing financial institutions and treasury counterparties is a plus.
• Strong understanding of treasury products, financial markets and credit risk principles.

Responsibilities

• Conduct credit assessments for financial institutions, corporate counterparties, sovereigns, supranationals and treasury-related entities.
• Assess counterparties' financial strength, profile, industry outlook, liquidity and risk factors.
• Prepare credit assessment papers and recommendations for new and existing counterparties.
• Perform periodic reviews and reassessments of approved counterparties.
• Monitor treasury-related credit exposures against limits and risk tolerances.
• Identify emerging credit risks and escalate adverse developments.
• Review and recommend counterparty credit limits, sub-limits, and transaction-specific limits.
• Collaborate with Treasury Front Office, Middle Office, Risk Management and Compliance to support transactions.
• Provide credit risk input for treasury products including money markets, FX, derivatives, bonds and structured transactions.
• Support treasury initiatives from a credit risk perspective.
• Prepare credit risk reports, portfolio reviews and management updates for committees.
• Assist internal and external audits and regulatory examinations.

Skills

Credit analysis

Treasury risk

Risk management

Financial markets

Credit risk principles

Education

Bachelor's Degree in Finance, Accounting, Economics, Business, Banking, Risk Management, or related discipline

Professional qualifications such as CFA, FRM, CPA, ACCA, or equivalent

Job description

Credit Analyst, Group Treasury# AFFIN CAREERS## Credit Analyst, Group TreasuryApply: Menara Affin, TRX: Full time: Posted Yesterday: JR105576# **Create the future with Affin! You too can make a difference.***We continuously innovate to transform our financial services landscape - making banking better and easier. Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. You too can make a difference.*### **JOB PURPOSE** To support Group Treasury in managing credit risk exposures arising from treasury activities by conducting credit assessments, reviewing counterparty limits, monitoring credit exposures, and ensuring compliance with the Bank’s risk appetite and regulatory requirements. The incumbent will provide independent credit analysis and recommendations to facilitate prudent treasury risk-taking and support business growth. ### JOB RESPONSIBILITIES Credit Assessment & Analysis* Perform comprehensive credit evaluation of financial institutions, corporate counterparties, sovereigns, supranationals, and other treasury-related entities.* Assess counterparties' financial strength, business profile, industry outlook, liquidity position, and risk factors.* Prepare credit assessment papers and recommendations for new and existing counterparties.* Conduct periodic reviews and annual reassessments of approved counterparties.Credit Risk Monitoring* Monitor treasury-related credit exposures against approved limits and risk tolerances.* Identify emerging credit risks and provide timely escalation of adverse developments.* Review and recommend counterparty credit limits, sub-limits, and transaction-specific limits.* Monitor limit utilization and ensure exposures remain within approved thresholds.Treasury Support* Partner with Treasury Front Office, Middle Office, Risk Management, and Compliance functions to facilitate business transactions within approved risk parameters.* Provide credit risk input for treasury products including money market, foreign exchange, derivatives, bonds, and structured transactions.* Support new treasury initiatives and product assessments from a credit risk perspective.Reporting & Governance* Prepare credit risk reports, portfolio reviews, and management updates for relevant committees.* Support internal and external audit reviews, regulatory examinations, and compliance requirements.* Ensure proper documentation and maintenance of credit files, approvals, and supporting analysis.* Contribute to enhancements of treasury credit risk policies, methodologies, and frameworks.Regulatory Compliance* Ensure compliance with Bank Negara Malaysia regulations, internal policies, and treasury risk management guidelines.* Support implementation of regulatory and internal policy changes affecting treasury credit risk management. ### **JOB REQUIREMENTS** * Bachelor's Degree in Finance, Accounting, Economics, Business, Banking, Risk Management, or related discipline.* Professional qualifications such as CFA, FRM, CPA, ACCA, or equivalent will be an added advantage.* Minimum 5-8 years of experience in credit analysis, treasury credit risk, risk management, corporate banking, investment banking, or treasury functions.* Experience in analyzing financial institutions and treasury counterparties will be an added advantage.* Good understanding of treasury products, financial markets, and credit risk principles.