Credit Assessment Executive

BIG GRAIN CREDIT SDN. BHD.; Kuching; On-site; MYR 70,000 - 110,000; Full time

Job summary

BIG GRAIN CREDIT SDN. BHD. is seeking a Credit Risk Analyst to review credit applications, assess financial statements, and support risk decisions.

You will perform ratio analysis, forecast cash flows, score risk, monitor accounts, and prepare risk reports. Collaboration with Sales, Collections and Finance is essential to balance risk with business objectives and maintain compliance with BN Malaysia guidelines.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or related field.
• Minimum 2–3 years of experience in credit analysis, risk management, or related banking/finance roles.
• Strong understanding of financial statements, cash-flow analysis, and credit scoring methodologies.
• Familiarity with Bank Negara Malaysia guidelines, credit bureau reports, and Sarawak/Malaysia regulatory frameworks is an advantage.

Responsibilities

• Review and assess credit applications and supporting documents.
• Perform comprehensive credit analysis including ratio analysis, cash-flow forecasting, and risk scoring.
• Recommend appropriate credit limits, terms, and conditions.
• Monitor assigned customer accounts to identify early warning signals of potential default.
• Prepare periodic credit risk reports and highlight high-risk exposures to management.
• Recommend remedial actions such as tightening terms, requesting additional security, or initiating recovery processes.
• Work closely with Sales, Collections and Finance teams to balance risk and business objectives.
• Liaise with banks, trade references, and credit bureaus for verification and additional information.

Skills

Credit analysis

Financial statements

Cash flow forecasting

Risk scoring

Regulatory awareness

Education

Bachelor's degree in Finance

Related field experience

Job description

Review and assess credit applications, financial statements, bank references, and other supporting documents.

Perform comprehensive credit analysis, including ratio analysis, cash-flow forecasting, and risk scoring.

Recommend appropriate credit limits, terms, and conditions.

Monitor assigned customer accounts to identify early warning signals of potential default.

Prepare periodic credit risk reports and highlight high-risk exposures to management.

Recommend remedial actions such as tightening terms, requesting additional security, or initiating recovery processes.

Policy & Compliance

Ensure all assessments comply with company credit policies, Sarawak Labour Ordinance–related financial guidelines, Bank Negara Malaysia (BNM) regulations, and internal risk appetite.

Maintain accurate records of credit decisions and approvals for audit purposes.

Work closely with Sales, Collections, and Finance teams to balance risk and business objectives.

Liaise with external parties such as banks, trade references, and credit bureaus for verification and additional information.

Propose enhancements to credit assessment procedures, scoring models, and automation tools.

Keep abreast of market trends, regulatory changes, and industry best practices.

Qualifications & Experience

Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or related field.

Minimum 2–3 years of experience in credit analysis, risk management, or related banking/finance roles.

Strong understanding of financial statements, cash-flow analysis, and credit scoring methodologies.

Familiarity with Bank Negara Malaysia guidelines, credit bureau reports, and Sarawak/Malaysia regulatory frameworks is an advantage.