Credit Analyst (Penang)

CIMB

Penang

MYR 30,000 - 60,000

Job description

Reports directly to the Area Commercial Manager and functionally to the Mid Corp RMs.
Conduct annual credit review for the Mid Corp RMs within the stipulated timeframe, i.e., 1 month before review due date (T-1).
Prepare variation and amendment papers for the Mid Corp RMs, including ad-hoc memos for pricing & RAROC, facility restructure, and other issues relating to fees, charges, and covenants.
Support Mid Corp RMs in financial spreading, rating, pricing calculation, business & operation updates, and risk analysis for new/existing customers.
Assess, analyze, and interpret financial statements; perform risk analysis on new/existing borrowers; and generate cash flow forecasting models to determine debt repayment capability and profitability.
Conduct market research to support credit analysis/assessment.
Identify early warning signs or credit weaknesses to circumvent potential loan loss.
Conduct periodic covenant tracking if required.
Check on supporting information required for new or annual review submissions, including 1AML, GP6, Interpol, GCLS (if ID granted), 1P, Banktrade, and CFMA.
Fulfill other ad-hoc requirements relating to the CBC as required by the Area Commercial Manager.