Credit Risk/Analyst (Senior Manager/AVP)

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

Job summary

A leading financial institution in Kuala Lumpur is seeking a skilled Credit Risk Analyst (Senior Manager/AVP) with 6-8 years of experience. The ideal candidate will assess credit risk on various banking proposals and conduct due diligence on related parties. Strong analytical and problem-solving skills are required. The role offers competitive salary, performance-based bonuses, comprehensive health insurance, and career development opportunities within an inclusive work culture.

Benefits

Comprehensive health insurance

Retirement plan contributions

Opportunities for professional development

Performance-based bonuses

Qualifications

• 6-8 years of experience in credit risk analysis, management, or related fields in banking/financial services.
• Ability to interpret complex financial data and make informed credit decisions.
• Proficiency in credit risk modeling and regulatory compliance.

Responsibilities

• Assess credit risk on new/existing proposals and provide independent assessments.
• Conduct due diligence on related parties involved in transactions.
• Review operational risk and credit risk variation requests for compliance.

Skills

Credit risk analysis

Analytical skills

Problem-solving skills

Communication skills

Interpersonal skills

Education

Degree in Finance, Accounting, Economics, or a related field

Job description

Credit Risk/Analyst (Senior Manager/AVP)

Risk Assessment on Credit Proposal:

• to assess credit risk by providing independent credit risk assessment to the approving authority on new / existing banking / insurance / treasury proposal including annual review / watchlist review / R&R proposal
• overlook process relating to rating using the Bank's credit rating tools (CRMS) for the Bank's prospective obligors, including project owners and sovereign entities

Due Diligence on External Parties:

• to conduct independent due diligence and review on related parties that involved in transactions with the Bank's customer as requested by CAD or Banking Division
• to ensure the due diligence and review on related parties are consistent and in adherence to relevant Bank's Guidelines and Policies particularly with regards to AML/CFT concerns

Risk Assessment on Operational Risk and Credit Risk Variations:

• to conduct independent review on operational or credit variations requests as submitted by Banking Division or CAD for approvals are in accordance with latest Approving Authorities and Approving Limits of the Bank.
• to ensure that the variation requests are in accordance with all Bank's Policies and Guidelines and to highlight any concerns that can materially increase credit risk to the Bank

Review on Significant Increase in Checklist Risk (SICR):

• to conduct independent review on SICR (Watchlist and Impairment) submitted by Banking Division for all financing accounts with the Bank.
• to liaise with Banking Division on pertinent issues relating to the financing portfolio and to verify and recommend status of the accounts

Periodic Monitoring on Risk Rating:

• to undertake periodic review on risk rating of financing accounts as and when required by external auditors or the Management.
• to liaise with Banking Division for necessary re-rating of the accounts as required by the Management or whenever the account has deteriorated to establish present risk position and to allow for accurate reporting on the Bank’s portfolio / ECL position.

What we're looking for

• Significant experience (6- 8 years) in credit risk analysis, credit risk management, or a related field within the banking or financial services industry
• Strong analytical and problem-solving skills, with the ability to interpret complex financial data and make well-informed credit decisions
• Proficiency in credit risk modelling, portfolio management, and regulatory compliance
• Excellent communication and interpersonal skills to effectively collaborate with cross-functional teams and present findings to senior management
• Degree in Finance, Accounting, Economics, or a related field
• Thorough understanding of banking regulations, credit risk management principles, and industry best practices

What we offer

At Exim Bank Berhad, we are committed to providing our employees with a rewarding and fulfilling work experience. In addition to a competitive salary and performance-based bonuses, we offer a range of benefits, including comprehensive health insurance, retirement plan contributions, and opportunities for professional development and career advancement. Our inclusive and supportive work culture encourages work-life balance and fosters a collaborative environment where your contributions can make a real impact.