Credit Analyst, Group Treasury

Affin Bank Berhad; Kuala Lumpur; On-site; MYR 180,000 - 300,000; Full time

Job summary

AFFIN BANK BERHAD is seeking an experienced credit risk professional to support Group Treasury in managing credit exposures arising from treasury activities. You will conduct credit assessments, review limits, monitor exposures, and ensure compliance with risk appetite and regulatory requirements.

You will provide independent analysis and recommendations to facilitate prudent risk-taking, collaborate with Front Office, Middle Office, Risk, and Compliance, and contribute to the development of

Qualifications

• Bachelor's degree and/or professional qualifications in finance or risk management.
• Minimum 5–8 years of experience in credit analysis, treasury credit risk, or related fields.
• Experience with financial institutions and treasury counterparties is advantageous.

Responsibilities

• Perform comprehensive credit evaluations of financial institutions, corporate counterparties, sovereigns, supranationals and related treasury entities.
• Monitor treasury-related credit exposures against limits and risk tolerances; escalate adverse developments.
• Provide credit risk input for treasury products and new initiatives; prepare assessment papers and recommendations.
• Prepare credit risk reports, portfolio reviews and support audits and regulatory examinations.
• Ensure compliance with regulations and internal risk management policies.

Skills

Credit risk analysis

Treasury risk management

Financial institutions analysis

Regulatory compliance

Education

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

CFA, FRM, CPA, ACCA or equivalent (professional qualifications)

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.

People are the heart of AFFIN BANK. We have a positive and supportive environment where we celebrate people’s personal growth and encourage them to be the best versions of themselves, both in the workplace and in their community.

Join AFFIN as we evolve to become a financial institution of the future, embracing innovation and technology to deliver unrivaled customer service. We're looking for colleagues who share our values and are ready to live them every day. Explore the exciting opportunities and make a real impact on the future of finance. Come be a part of our journey today!

Always About You

At AFFIN, we strive to always connect and engage with our customers, to understand their changing needs and aspirations better. It represents our passion and commitment to the community we operate in, enabling us to quickly respond to changes and provide a personalised experience.

At AFFIN, our people are aligned to our values of customer centricity, creativity and value creation. Our tagline “Always about you”, was crafted to drive loyalty and build our reputation as a creative and innovative financial organisation.

Our people are at the heart of what we do and remain the focus of our customer centric culture. It’s about the initiatives we take in understanding and prioritising our stakeholders; our customers, employees and shareholders.

As we venture through this metamorphosis journey, we are aware of their ever-changing needs and are embracing the new ways of this digital dimension. We put our hearts and minds into everything we do, to ensure that everyone we touch, receives unrivalled customer service.