Credit Processing Officer

PERSOL Business Service; Kuala Lumpur; On-site; MYR 54,000 - 89,000; Full time

Job summary

PERSOL Business Service is seeking a Credit Analyst to support onboarding by performing comprehensive credit checks and analyzing financial data. The role involves evaluating credit risk, using credit bureau reports, and preparing detailed assessments with actionable recommendations.

You will collaborate with finance and risk teams, maintain documentation, and monitor client credit status to ensure adherence to credit terms, while handling payments and reconciliation as part of daily

Qualifications

• Bachelor's degree or equivalent work experience in finance, accounting, or related field.
• Proven experience in conducting credit checks and analyzing credit reports.
• Strong understanding of accounting principles and financial analysis.
• Experience with credit bureau reports and related tools.
• Excellent attention to detail and accuracy.
• Strong analytical and problem-solving skills.
• Effective communication and interpersonal skills.
• Ability to manage multiple tasks and prioritize effectively.
• Willing to work based on ANZ working hours and to work during PH if required (6:30am - 3:30pm).

Responsibilities

• Perform comprehensive credit checks on prospective clients as part of the onboarding process.
• Analyze credit reports and financial statements to assess credit risk and financial stability.
• Utilize credit bureau reports and other relevant data sources to gather necessary information.
• Prepare detailed credit assessment reports and provide recommendations based on findings.
• Collaborate with the finance and risk management teams to ensure alignment with company credit policies.
• Maintain accurate records of all credit checks and related documentation.
• Monitor and review client credit status periodically to ensure ongoing compliance with credit terms.
• Communicate with clients to obtain necessary documentation and clarify credit-related queries.
• Stay updated on industry trends and changes in credit reporting practices.
• Responsible for applying incoming payments to customers account accurately and promptly.
• Conduct reconciliation payment details with invoice ensuring that payments are correctly posted in the accounting system.
• Identifying and resolving discrepancies between payment amounts and invoice details, including short payments or unapplied cash.

Skills

Credit checks

Credit analysis

Financial analysis

Attention to detail

Communication

Multitasking

Education

Bachelor's degree

Accounting/Business background

Tools

Credit bureau tools

Financial reporting software

Job description

Responsibilities

• Perform comprehensive credit checks on prospective clients as part of the onboarding process.
• Analyze credit reports and financial statements to assess credit risk and financial stability.
• Utilize credit bureau reports and other relevant data sources to gather necessary information.
• Prepare detailed credit assessment reports and provide recommendations based on findings.
• Collaborate with the finance and risk management teams to ensure alignment with company credit policies.
• Maintain accurate records of all credit checks and related documentation.
• Monitor and review client credit status periodically to ensure ongoing compliance with credit terms.
• Communicate with clients to obtain necessary documentation and clarify credit-related queries.
• Stay updated on industry trends and changes in credit reporting practices.
• Responsible for applying incoming payments to customers account accurately and promptly.
• Conduct reconciliation payment details with invoice ensuring that payments are correctly posted in the accounting system.
• Identifying and resolving discrepancies between payment amounts and invoice details. Which may involve investigation of short payments, overpayments or unapplied cash

Education/ Experience/ Skills

• Bachelor’s degree in finance, Accounting, Business Administration, or a related field, or equivalent work experience
• Proven experience in conducting credit checks and analyzing credit reports
• Strong understanding of accounting principles and financial analysis
• Experience with credit bureau reports and related tools
• Excellent attention to detail and accuracy
• Strong analytical and problem-solving skills
• Effective communication and interpersonal skills
• Ability to manage multiple tasks and prioritize effectively
• Willing to work based on ANZ working hour and to work during PH if required (6.30am - 3.30pm)