Credit Analyst, Group Treasury

AFFIN Group; Kuala Lumpur; On-site; MYR 180,000 - 320,000; Full time

Job summary

AFFIN Group in Malaysia is seeking a senior credit risk professional to support Group Treasury in managing credit exposures arising from treasury activities. You will conduct credit assessments, monitor limits, and provide independent analysis to guide prudent risk-taking and business growth, while ensuring regulatory compliance with Bank Negara Malaysia.

Key responsibilities include coordinating with Treasury teams, delivering risk insights for products, and maintaining robust documentation and

Qualifications

• 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.

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.

Skills

Credit analysis

Treasury risk

Risk management

Corporate banking

Investment banking

Treasury products

Financial markets

Regulatory compliance

Education

Bachelor’s degree in Finance/Accounting/Economics/Business

CFA/FRM/CPA/ACCA or equivalent

Job description

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.