Credit Risk Analyst (Regional Bond Credit)

CIMB; Kuala Lumpur; On-site; MYR 80,000 - 120,000; Full time

Job summary

A leading bank in Malaysia is seeking a professional with experience in corporate and investment banking to prepare fixed income credit proposals and evaluate credit quality. The ideal candidate will have ACCA or equivalent qualifications, strong financial analytical skills, and a minimum of 3 years’ experience in related fields. This role involves ensuring compliance with regulatory frameworks and delivering on ad-hoc assignments.

Qualifications

• Minimum 3 years’ experience in corporate/investment banking or related fields.
• Strong understanding of corporate banking and wholesale banking products.
• Ability to liaise with business units and internal approvers.

Responsibilities

• Prepare fixed income credit proposals and ensure speedy approval processes.
• Evaluate credit quality in various industries.
• Monitor loan portfolio to escalate deteriorations in asset quality.
• Ensure compliance with regulatory frameworks and policies.
• Deliver on ad-hoc assignments.

Skills

Accounting skills

Financial analytical skills

Credit evaluation skills

Financial modeling skills

Business writing skills

Presentation skills

Bloomberg skills

Education

Professional qualifications such as ACCA or equivalent

Job description

Key Responsibilities

• Prepare fixed income credit proposals, provide analytical support in submissions to the relevant approving authorities and ensure speedy turnaround time. This includes the following: identify pertinent credit related issues; liaise with business units and internal approvers to obtain approvals; handle post-approval work process.
• Evaluate the credit quality of the Bank’s Corporate Loan portfolio in various industries and identify pertinent credit & other deal related issues.
• Monitor the fixed income / loan portfolio to ensure any deterioration in the asset quality is properly escalated to the relevant authorities.
• Ensure all applications comply with applicable regulatory framework / guidelines and the Group’s policies and procedures.
• Deliver on ad-hoc assignments.

Key Requirements

• Has professional qualifications such as ACCA (or its equivalent), Asian Institute of Chartered Bankers (Certified Credit Professional, Professional Credit Certification, Business Credit Professional, Competency Validation Assessment) or OMEGA.
• Bloomberg skills is an added advantage.
• Minimum 3 years’ experience in corporate / investment banking or other related fields.
• Possess strong accounting / financial analytical and credit evaluation skills, has financial modeling skills, good business writing & presentation skills and good understanding of the corporate banking & Wholesale Banking products.