Credit Risk Team Lead — Analysis, Coaching & Improvements

CMA CGM Malaysia Sdn Bhd; Selangor; On-site; MYR 67,000 - 100,000; Full time

Job summary

CMA CGM Malaysia Sdn Bhd is seeking a Credit Analyst to perform and oversee credit evaluation and risk assessment for customers, including new applications and renewals. You will review creditworthiness, propose limits, and ensure compliance with internal policies and regulations.

You will also drive improvements, mentor the credit team, and prepare reports for management while maintaining accurate customer credit records across the Group.

Qualifications

• Bachelor’s Degree or Professional Degree in Finance/Accounting or relevant
• Minimum 2 to 4 years and above related working experience is preferred
• Candidates with credit experience relating to credit processing and credit analysis environment would have an added advantage
• Good in interpersonal and problem-solving skill
• Resilient and able to work independently under pressure and meet tight deadlines
• Excellent interpersonal skills with high fluency in both written and spoken English
• Able to analyze full financial statement to assess the financial profile of a company
• Strong leadership skills and able to provide consistent guidance to younger team members in daily operations

Responsibilities

• Analyze customer financial profiles and creditworthiness, identify related risk exposures across various industries, and recommend appropriate credit limits with supporting justifications for management approval while ensuring accurate updates in the credit system.
• Perform new credit application and annual credit reviews for expired credit accounts across the Group and maintain accurate customer credit information and documentation.
• Lead, supervise, coach, and provide guidance to the credit analyst team to ensure timely and accurate completion of credit assessments and reviews while supporting team development and technical competency.
• Drive continuous process improvement initiatives, automation projects, system enhancements, and lead user acceptance testing (UAT) activities to improve workflow efficiency, strengthen risk controls, and ensure business requirements are met prior to deployment.
• Monitor team performance and ensure service level agreements (SLAs) and key performance indicators (KPIs) are achieved.
• Identify potential risks within procurement activities and support effective decision-making and risk mitigation throughout procurement risk assessment.
• Collaborate with stakeholders to provide support and address enquiries relating to credit processes, policies, and operational matters.
• Participate in monthly Regional Credit Management meetings and support discussions with manager on credit-related matters.
• Prepare periodic reports and analysis, including strategic accounts reporting, for management review.
• Identify process improvement opportunities and provide recommendations to management to enhance operational effectiveness.
• Draft and prepare credit agreements in accordance with country-specific regulations to ensure compliance with legal standards and safeguard the company’s interests in financial transactions.

Skills

Credit analysis

Financial statement analysis

Leadership

Stakeholder management

English communication

Education

Bachelor’s Degree in Finance/Accounting or relevant

Job description

CMA CGM Malaysia Sdn Bhd is seeking a Credit Analyst to perform and oversee credit evaluation and risk assessment for customers, including new applications and renewals. You will review creditworthiness, propose limits, and ensure compliance with internal policies and regulations.

You will also drive improvements, mentor the credit team, and prepare reports for management while maintaining accurate customer credit records across the Group.