Credit Assessment & Review - SME Banking Division

Bank Islam; Kuala Lumpur; On-site; MYR 100,000 - 150,000; Full time

Job summary

A financial institution in Kuala Lumpur is seeking a Credit Assessment & Review professional for its SME Banking Division. The candidate will be responsible for processing credit proposals, evaluating credit risks, and engaging with the Financing Committee. A Bachelor's degree in a related field and a minimum of 4 years of banking experience are essential. The ideal candidate should possess strong skills in communication and credit risk assessment, ensuring adherence to credit policies and offering excellent service to clients. This role promises a challenging yet rewarding work environment.

Qualifications

• Minimum of 4 years of relevant experience in banking.
• Strong product knowledge related to credit processing and evaluation.
• Ability to assess and mitigate credit risks.

Responsibilities

• Process and complete credit proposals for financing applications.
• Evaluate and mitigate credit risks in collaboration with the Credit Management team.
• Prepare and present credit proposals to the Financing Committee.

Skills

Credit processing knowledge

Financial statement analysis

Communication skills

Negotiation skills

Risk evaluation techniques

Education

Bachelor’s degree in Business, Accounting, Finance, Banking, Economics, Law

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.