Credit Risk Analyst — Card & Loan Decisions

AmBank; Selangor; On-site; MYR 40,000 - 54,000; Full time

Job summary

AmBank Malaysia is seeking a Credit Processing Analyst to verify and process credit card and loan applications, ensuring accuracy, policy compliance, and timely decision support.

You will assess income documents, CCRIS/CTOS reports, and customer risk profiles; evaluate creditworthiness and recommend approvals or escalations; and help consistently hit daily KPIs while delivering reliable service in a dynamic banking environment.

Qualifications

• Degree or diploma in accounting, business admin, banking or related field.
• Preferably 1–2 years of experience in credit processing.
• Strong attention to detail and analytical skills.
• Knowledge of banking products and credit policies.

Responsibilities

• Ensure timely turnaround of credit card and loan processing within agreed service standards.
• Maintain consistent quality service delivery within turnaround time (TAT).
• Process all applications in accordance with internal credit policies, procedures and regulatory requirements.
• Ensure accuracy and completeness of documents as per the PO Checklist.
• Perform credit assessment by analysing income documents, CCRIS/CTOS reports and customer risk profile.
• Evaluate applicant creditworthiness and recommend approval, rejection or escalation based on delegated authority.
• Ensure daily KPI targets for application processing volume and turnaround time are met.

Skills

Credit processing

Attention to detail

Analytical skills

Education

Degree / Diploma in Accounting

Business Admin

Banking related field

Job description

AmBank Malaysia is seeking a Credit Processing Analyst to verify and process credit card and loan applications, ensuring accuracy, policy compliance, and timely decision support.

You will assess income documents, CCRIS/CTOS reports, and customer risk profiles; evaluate creditworthiness and recommend approvals or escalations; and help consistently hit daily KPIs while delivering reliable service in a dynamic banking environment.