Credit Assessment & Review - SME Banking Division

gradmalaysia.com; Kuala Lumpur; On-site; MYR 100,000 - 150,000; Full time

Job summary

A leading financial institution in Kuala Lumpur is seeking a Credit Assessment & Review professional within its SME Banking Division. The role involves processing and evaluating credit proposals, ensuring compliance with bank policies, and conducting thorough financial analyses. Suitable candidates should possess a Bachelor's degree in relevant fields along with a minimum of 4 years' experience in banking or credit evaluation. Strong negotiation and service skills are essential, along with the ability to work independently in a fast-paced environment.

Qualifications

• Minimum of 4 years of relevant experience in banking, preferably in sales & marketing or credit processing.
• Solid understanding of product knowledge related to credit processing and Shariah compliance.
• Ability to work independently and creatively to solve problems.

Responsibilities

• Process and complete credit proposals for financing applications.
• Mitigate issues during application processing.
• Prepare guarantees and draft letters of offer.

Skills

Credit assessment

Risk evaluation techniques

Financial statement analysis

Negotiation skills

Customer service skills

Education

Bachelor's degree in Business, Accounting, Finance, Banking, Economics, Law or related

Job description

Credit Assessment & Review - SME Banking Division

• Process, evaluate, and complete the Memorandum of Approval (MA) / Credit Proposal for new and enhancement financing applications.
• Mitigate issues raised by the Credit Management Division to ensure smooth application processing.
• Present credit proposals and seek approval from the Financing Committee.
• Prepare Guarantee Notification Requests for SJPP.
• Draft Letters of Offer (LO) for submission to the SMT.
• Conduct rigorous business credit assessments and thorough financial analysis.
• Communicate proactively with SMT to ensure timely and accurate document submission.
• Ensure all submissions comply with the bank’s risk appetite and credit policies.
• Adhere to standard turnaround times (TAT) for credit evaluation processes.
• Maintain up-to-date market awareness and monitor industry trends relevant to credit risk.
• Detect and report any fraudulent documents or misinformation during credit assessment.
• Collaborate closely with the Credit Management team to identify, assess, and mitigate credit risks.
• Maintain structured tracking and documentation of assigned accounts and proposals.
• Engage with SME Banking and other relevant divisions to resolve credit-related issues effectively.
• Contribute to the continuous improvement of credit policies, procedures, and methodologies.
• Present credit proposals to the Financing Committee (Committee A & B) for decision-making.
• Prepare and conduct annual review papers and ad hoc credit assessments.

Job Requirements

• Bachelor’s degree in Business, Accounting, Finance, Banking, Economics, Law, or a related discipline.
• Minimum of 4 years of relevant experience in banking, preferably in sales & marketing, credit processing, or credit evaluation.
• Strong product knowledge related to credit processing, credit evaluation, documentation, and Shariah compliance.
• Proficient in credit assessment and risk evaluation techniques.
• Solid understanding of financial statement analysis.
• Ability to accurately assess and mitigate credit risks.
• Customer-oriented mindset with excellent service skills.
• Resourceful, creative, and able to work independently to solve problems.
• Excellent negotiation, communication, and interpersonal skills to liaise effectively with internal teams and customers