Credit Underwriting Senior Associate

Boost Holdings Sdn Bhd; Kuala Lumpur; On-site; MYR 60,000 - 90,000; Full time

Job summary

Boost Holdings Sdn Bhd is looking for an experienced Credit Underwriter to assess SME and non-SME loan applications, ensure compliance with credit policies, and provide informed approval recommendations. The role emphasizes sound risk evaluation, timely reviews, and close collaboration with business units to mitigate losses.

The ideal candidate will have 3–5 years in credit assessment, a relevant finance/accounting degree, and professional certifications such as AICB CCR/CCE/CCP.

Qualifications

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

Responsibilities

• Screen and process SME and Non-SME loan applications and ensure the Credit Evaluation's process, searches, policies and guidelines are complied with.
• Conduct credit underwriting assessment and identify potential credit risk.
• Ensure sound credit approval quality through identification of potential problem accounts for close monitoring and early remediation during periodic review.
• Assist in the implementation of new or changes in credit policy and new business initiatives.
• Conduct evaluation based on detailed analysis and provide recommendations based on credit underwriting standards and policies.
• Provide feedback on gaps and opportunities in credit underwriting policy.
• Ensure timely completion of credit evaluation and assist business units in suggesting risk-mitigating terms during 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 performance of existing accounts are being actively monitored.
• Contribute to the preparation of credit management committee meetings.

Skills

Credit assessment

Analytical ability

Written communication

Interpersonal skills

Front-line credit experience

Education

Bachelor's degree in Finance/Business/Accounting or related field

Job description

The Credit Underwriter is responsible for conducting 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.

Key responsibilities

Screen and process SME and Non-SME loan applications and ensure the Credit Evaluation's process, searches, policies and guidelines are complied with

Conduct credit underwriting assessment and identify potential credit risk

Ensure sound credit approval quality through identification of potential problem accounts for close monitoring and early remediation during periodic review

Assist in the implementation of new or changes in credit policy and new business initiatives

Conduct evaluation based on detailed analysis and provide recommendations based on credit underwriting standards and policies

Provide feedback on gaps and opportunities in credit underwriting policy

Ensure timely completion of credit evaluation and assist business units in suggesting risk-mitigating terms during 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 performance of existing accounts are being actively monitored

Contribute to the preparation of credit management committee meetings

About you

Minimum 3-5 years of experience in credit assessment or front-line covering commercial or 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 typical credit assessment and tasks

Strong analytical, writing and interpersonal skills