Credit Management / Credit Evaluation

Industrial and Commercial Bank of China (Malaysia) Berhad; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Job summary

Industrial and Commercial Bank of China (Malaysia) Berhad in Kuala Lumpur seeks a Senior Credit Analyst to conduct comprehensive risk assessment for Commercial and Corporate applications, ensuring timely credit decisions and strict adherence to credit policies.

You will collaborate with Lending Units, monitor regulatory requirements, and strengthen governance through data analysis, insightful reporting, and guidance on credit structuring to protect asset quality.

Qualifications

• 5–8 years of banking/financial-institution experience in credit analysis or loan origination.
• Proficient data processing and analysis using Excel, SQL, etc.
• Familiar with Python or other programming languages with ability to automate data processing and analysis.

Responsibilities

• Conduct comprehensive and timely credit risk assessment for Commercial and Corporate applications, providing credit risk mitigation and recommendations to enable credit decision-makers to formulate a well-informed decision, with the objective of satisfying borrowers' needs and protecting the Bank's asset quality.
• Ensure compliance of the Bank's credit policies, applicable rules and regulations, guidelines & procedures while maintaining a balance in promoting profitable business growth and preserving asset quality.
• Respond promptly to requests from Lending Units/ Branches within the agreed turnaround time.
• Work closely with Lending Units/ Branches to identify and mitigate credit risks. Act as a key reference point for credit related matters and provide guidance on credit structuring and risk mitigation where necessary.
• Provide coaching and guidance to Lending Units/Branches periodically to enhance credit quality and risk awareness.
• Provide support on matters related to Bank’s credit and risk management infrastructure, including policy updates, process improvements and systems

Skills

Python scripting

Analytical skills

Communication

Education

Bachelor's degree in finance, banking, accounting or equivalent

Tools

Excel

SQL

Power BI

Job description

1. 1. Responsible for the preparation, review and submission of credit-related regulatory reports, ensuring data accuracy and compliance.
2. 2. Analyze and monitor credit business data to promptly identify and warn of potential risks.
3. 3. Participate in the daily monitoring of credit business and assist in improving the monitoring indicator system.
4. 4. Support the optimization of credit business systems and data management to enhance work efficiency.
5. 5. Organise, analyse and write relevant reports to provide decision‑making support for Management.
6. 6. Assist in completing other tasks related to credit regulatory reporting and monitoring.
7. 7. Other duties to be assigned by Head of Department and/or Senior Management.

JOB REQUIREMENTS

• At least a Bachelor degree in finance, banking, accounting or equivalent from a reputable university.
• Minimum of 5-8 years of banking/ financial institution experience with a good understanding of credit business processes and regulatory requirements. Experience in the preparation of credit-related regulatory reports is preferred.
• Proficient in data processing and analysis using Excel, SQL, etc.
• Familiar with Python or other programming languages is preferred, with the ability to automate data processing and analysis through programming.
• Strong analytical and logical thinking skills.
• Team player with strong learning ability and sense of responsibility, with attention to detail and the ability to work under pressure.
• Language proficiency (both verbal and written): English, Chinese/ Mandarin and Bahasa Melayu.

2.CREDIT EVALUATION DEPARTMENT

JOB RESPONSIBILITIES

1. 1. Conduct comprehensive and timely credit risk assessment for Commercial and Corporate applications, providing credit risk mitigation and recommendations to enable credit decision-makers to formulate a well-informed decision, with the objective of satisfying borrowers' needs and protecting the Bank's asset quality.
2. 2. Ensure compliance of the Bank's credit policies, applicable rules and regulations, guidelines & procedures while maintaining a balance in promoting profitable business growth and preserving asset quality.
3. 3. Respond promptly to requests from Lending Units/ Branches within the agreed turnaround time.
4. 4. Work closely with Lending Units/ Branches to identify and mitigate credit risks. Act as a key reference point for credit related matters and provide guidance on credit structuring and risk mitigation where necessary.
5. 5. Provide coaching and guidance to Lending Units/Branches periodically to enhance credit quality and risk awareness.
6. 6. Provide support on matters related to Bank’s credit and risk management infrastructure, including policy updates, process improvements and systems

JOB REQUIREMENTS

1. 1.At least a Bachelor degree in finance, banking, accounting or equivalent from a
2. 2.Possesses the professional credit certifications such as PCC, CCE, BCP or equivalent will be an added advantage.
3. 3.Minimum of 5 - 8 years of banking/ financial institution experience in credit analysis or loan origination.
4. 4.Strong credit analytical skills and sound business acumen.
5. 5.Well-versed in relevant banking rules and regulations/ guidelines.
6. 6.Good interpersonal and communication skills, with the ability to interact with all levels of staff and Senior Management.
7. 7.Able to work independently with minimum supervision and strides to meet deadlines.
8. 8.Proficiency in Microsoft Office applications including Word, Excel and PowerPoint.
9. 9. Language proficiency (both verbal and written): English, Chinese/ Mandarin and Bahasa Melayu.