Credit Underwriting Associate

Boost Holdings Sdn Bhd; Kuala Lumpur; On-site; MYR 70,000 - 110,000; Full time

Job summary

Boost Holdings Sdn Bhd in Kuala Lumpur is seeking a Credit Underwriter to conduct detailed credit assessments, review applications, and provide approval recommendations for lending portfolios. The role focuses on maintaining policy adherence and high-quality decisions while monitoring the portfolio to mitigate risks.

You will screen SME and non-SME loans, identify potential risks, support policy updates, and help with risk-mitigating terms.

Qualifications

• 3–5 years of experience in credit assessment or front-line covering commercial/SME credits.
• Bachelor’s degree in Finance, Business Administration, Business Management, Accounting, or related field.
• Professional certification such as AICB CCR, CCE, CCP or equivalent certification is highly desired.
• Able to work under pressure with tight turnaround time.
• Strong analytical, writing and interpersonal skills.

Responsibilities

• Screen and process SME and Non-SME loan applications and ensure compliance with Credit Evaluation processes, searches, policies and guidelines.
• Conduct credit underwriting assessments and identify potential credit risk.
• Ensure sound credit approval quality through early remediation and monitoring of accounts during periodic reviews.
• Assist in implementing new or revised credit policies and new business initiatives.
• Provide evaluation-based recommendations based on underwriting standards and policies.
• Provide feedback on gaps or opportunities in credit underwriting policy.
• Ensure timely completion of credit evaluations and assist business units with risk-mitigating terms.
• Assist in initiatives to streamline end-to-end credit processes.
• Perform timely periodic reviews with early warning detection to monitor existing accounts.
• Contribute to preparation of Credit Management Committee meetings.
• Maintain market awareness and monitor trends affecting credit exposures.
• Work with Business Units to define and enhance Target Market and Risk Acceptance Criteria.
• Undertake ad-hoc tasks/projects as required.

Skills

Credit assessment

Analytical skills

Interpersonal skills

Underwriting

Education

Bachelor’s degree in Finance/Business

Job description

The Credit Underwriter is responsible forconducting detailed credit assessments, reviewing credit applications, and providing approval recommendations for lending portfolios.

This role ensures the quality of credit decisions, adherence to credit policies, and continuous monitoring of the credit portfolio to mitigate risks.

• Screen and process the SME and Non-SME loan applications and to ensure the Credit Evaluation’s process, searches, policies and guidelines are complied with.
• Conduct credit underwriting assessment and able to identify potential credit risk.
• Ensure sound credit approval quality through the identification of potential problem accounts for close monitoring and early remediation during the periodic review.
• Assist in the implementation of new/changes in credit policy/ new business initiatives.
• Conduct evaluation based on detailed analysis and provide with recommendations based on credit underwriting standards and policies.
• Provide feedback on the gaps/opportunities in credit underwriting policy.
• Ensure timely completion of credit evaluation and assist business units in suggesting risk-mitigating terms during the evaluation of credit proposals.
• Assist in initiatives to streamline end-to-end credit processes.
• Perform timely periodic review which includes line management and early warning detection to help ensure the performance of existing accounts are being actively monitored.
• Contribute to the preparation of credit management committee meeting.
• Maintain market awareness and be vigilant of trends affecting existing and future credit exposures.
• Work with Business Unit to define, review and enhance Target Market and Risk Acceptance Criteria.
• Undertake ad-hoc tasks/ projects as may be required from time to time.

Job Requirements & Criteria:

• Minimum 3-5 years of experience in credit assessment or front-line covering commercial/SME credits.
• Bachelor’s degree in Finance, Business Administration, Business Management, Accounting, or related field.
• Professional certification such as AICB CCR, CCE, CCP or equivalent certification is highly desired.
• Able to work under pressure with tight turnaround time.
• Swift in undertaking other credit-related matters apart from the typical credit assessment/ tasks.
• Possess strong analytical, writing and interpersonal skills.