Credit Analyst, Treasury (Bond Portfolio)

Affin Bank Berhad; Kuala Lumpur; On-site; MYR 60,000 - 85,000; Full time

Job summary

Affin Bank Berhad in Kuala Lumpur is hiring a Credit Analyst to perform comprehensive credit assessments and support investment decisions related to bond and sukuk issuers. The role requires a Bachelor's degree in Finance or related fields and a minimum of 3 years experience in credit analysis.

The ideal candidate will monitor credit quality, prepare detailed reports, and engage with issuers and market participants. This position also emphasizes understanding ESG considerations and maintaining strong stakeholder relationships.

Qualifications

• Minimum 3 years of relevant experience in credit analysis or related fields.
• Experience in analysing bond and sukuk issuers is preferred.
• Sound understanding of corporate credit analysis.

Responsibilities

• Conduct credit assessments for bond and sukuk issuers.
• Prepare detailed credit assessment reports and risk recommendations.
• Monitor credit quality and identify emerging credit concerns.

Skills

Credit analysis

Financial statement analysis

Risk assessment methodologies

Stakeholder management

Business writing

Understanding of ESG frameworks

Education

Bachelor's degree in Finance, Accounting, Economics, or related discipline

ACCA or equivalent

Job description

Job Purpose

The Credit Analyst is responsible for conducting independent credit assessments and ongoing monitoring of bond and sukuk issuers within the Bank's Treasury fixed income portfolio. The role supports informed investment decision‑making through comprehensive analysis of issuer creditworthiness, financial performance, industry dynamics, ESG considerations, and market developments, while ensuring compliance with internal credit policies, regulatory requirements, and governance standards.

Key Responsibilities

• Conduct comprehensive credit assessments of domestic and foreign currency bond and sukuk issuers, including analysis of business, financial, industry, country, and ESG risks.
• Perform due diligence and Know-Your-Customer (KYC) reviews in accordance with internal policies, regulatory requirements, and the Bank's credit governance framework.
• Prepare detailed credit assessment reports, including risk identification, mitigants, recommendations, and credit opinions for approval by relevant committees.
• Monitor and review the credit quality of issuers within the Treasury fixed‑income portfolio and proactively identify emerging credit concerns.
• Conduct ongoing surveillance through analysis of financial statements, covenant compliance, rating actions, market developments, and relevant news flow.
• Assess ESG risks and incorporate ESG considerations into the overall credit evaluation process.
• Stay informed on macroeconomic trends, industry developments, financial markets, and fixed‑income market conditions to support sound credit decisions.
• Engage with issuers, arrangers, trustees, facility agents, rating agencies, and other market participants to support due diligence and portfolio monitoring activities.
• Perform impairment assessments and recommend appropriate actions for deteriorating credits or watchlist exposures.
• Ensure compliance with internal credit policies, risk appetite parameters, regulatory requirements, and governance standards.
• Prepare portfolio reviews, management reports, credit updates, and presentations for senior management and relevant committees.
• Participate in issuer meetings, investor briefings, conference calls, and site visits, and prepare meeting notes and credit call reports.
• Build and maintain effective working relationships with internal stakeholders and external counterparties.
• Support ad‑hoc projects, initiatives, and assignments as required.

Job Requirements

• Bachelor's degree in Finance, Accounting, Economics, Banking, Business Administration, or a related discipline.
• Preferred professional qualifications such as ACCA (or its equivalent), Asian Institute of Chartered Bankers (Certified Credit Professional, Professional Credit Certification, Business Credit Professional, Competency Validation Assessment), or OMEGA.
• Minimum 3 years of relevant experience in credit analysis, corporate banking, investment management, treasury, fixed‑income investments, or credit rating agencies.
• Experience in analysing bond and sukuk issuers and fixed‑income instruments is preferred.
• Sound understanding of corporate credit analysis, financial statement analysis, and risk assessment methodologies.
• Knowledge of fixed‑income markets, bond and sukuk structures, credit documentation, and covenant analysis.
• Familiarity with ESG risk assessment frameworks and sustainability‑related considerations.
• Good business‑writing and presentation skills, with the ability to articulate complex credit issues clearly.
• Strong stakeholder management and relationship‑building skills.