Credit Manager/AM

CapBay; Petaling Jaya; Presencial; MYR 54.000 - 90.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Competitive salary package

Comprehensive benefits

Descripción de la vacante

CapBay Group in Malaysia seeks a Credit Analyst to ensure that applications from Sales and Business Development are evaluated through CapBay's credit-scoring framework, aligning with our mission to provide smart, inclusive SME financing.

You will perform risk assessments, structuring proposals, prepare credit memos and term sheets for Credit Committee, and conduct post-approval reviews. You’ll also monitor loan portfolio health and participate in policy improvements.

Formación

• Minimum 3 years of experience in Retail or SME credit analysis or SME/biz banking sales-relationship management.
• Bachelor’s degree in Finance/Accounting, Business Admin or related field.
• Credit/financial qualifications (CCP/Professional Credit Certification - CCE/BCP from AICB / Omega CSA) is a plus.
• Strong analytical skills with financial analysis and cash flow projections.
• Sound knowledge of credit products, policy, procedures and regulatory requirements.
• Fluency in English and comprehension in Bahasa Malaysia; good writing and interpersonal skills.
• Proficiency in Excel; PowerQuery/PowerPivot and VBA or JavaScript scripting are advantages.

Responsabilidades

• Involve credit evaluation on financing applications from Business Units covering risk assessment and facility structuring.
• Prepare credit papers/memos/term sheets for submission to Credit Committee for decision.
• Provide financial projections or sensitivity analyses as needed.
• Interview clients with Relationship Managers on site visits if required.
• Conduct post-approval reviews and monitor loan portfolio repayments.
• Assist in ad-hoc reports and contribute to credit policy improvements.

Descripción del empleo

About the Company

CapBay operates an award-winning Supply Chain Finance and Peer-to-Peer (P2P) Financing platform. We facilitate inclusive business financing, using existing trade data and relationships. Through our proprietary credit-decisioning model, businesses of all sizes can obtain short-term financing while banks and investors can participate in high-quality financing deals. You can find out more about us at www.capbay.com

About the Role

In this role, you will be directly responsible for ensuring that all applications received from the Sales and Business Development team are properly filtered through an ever-sophisticated credit scoring system, keeping in line with CapBay's mission to provide smart and inclusive financing to SMEs whilst maintaining investors' trust in us.

Key Responsibilities

In this role, you will be expected to:

• Provide credit evaluation on financing applications submitted by Business Units covering risk assessment, review appropriate facility structuring, and etc. This includes completion of credit papers /memos / term sheets for submission to relevant approving authority / Credit Committee for decision.
• Provide financial projections or sensitivity analysis for credit evaluation where necessary.
• Interview clients with Relationship Managers on site-visits if required.
• Perform independent post-approval reviews on credit accounts.
• Monitor loan portfolio repayments as well as conduct periodic credit review on accounts.
• Assess and ensure overall good health of the department credit portfolio.
• Prepare ad-hoc reports and statistics.
• Involve in managing the efficacy of credit policies, guidelines and procedures.
• Participate / attend credit-related business development meetings with external parties.

Key Qualifications & Requirements

We are looking for someone with:

• Minimum 3 years of experience in Retail Business / SME credit analysis OR SME/Biz banking sales-relationship management experience
• Minimum a recognised Bachelor’s degree in Finance/Accounting, Business Administration or related field.
• Equipped professional experience in Finance or Credit Analysis and/or with qualification in Credit Certified Professional (CCP)/ Professional Credit Certification - CCE/BCP from AICB /Omega CSA will be an added advantage.
• Strong analytical skills with a good grasp of financial analysis and cash flow projections.
• Must have sound knowledge of credit products, credit policy & procedures and regulatory requirements.
• Constantly updated to latest financial, banking, compliance, economic-related news/issues.
• Good interpersonal and writing skills with fluency in English and comprehension in Bahasa Malaysia.
• Proficiency in Microsoft Excel; expertise in PowerQuery and PowerPivot and/or knowledge of VBA for Excel and/or JavaScript scripting will be an added advantage.

Why Join CapBay?

• Shape the future of the accounting department in one of Malaysia's fastest-growing FinTech firms.
• Work at the forefront of financial innovation where technology and finance meet.
• An attractive remuneration package, comprehensive benefits, and a culture that celebrates success.

Our Achievements

• Top 200 Global Fintech Companies – CNBC
• EY Emerging Entrepreneur Of The Year
• Fintech Start-up of the Year Malaysia – The Asset's Triple A Digital Awards
• Best Fintech for Plug & Play Tech Center
• Best FinTech Platform for Supply Chain Finance – The Asian Banker
• Finalist at Global FinTech Hackcelerator and featured at Singapore Fintech Festival