Independent Credit Risk Analyst

Bank Islam Malaysia Berhad; Kuala Lumpur; On-site; MYR 70,000 - 110,000; Full time

Job summary

Bank Islam Malaysia Berhad seeks an independent credit analyst in Kuala Lumpur to evaluate Business Units and Treasury credit applications. You will prepare balanced credit assessment memos, verify spreading and grading, and propose credit solutions aligned with policy.

Strong analytical and communication skills are essential. You will work to uphold regulatory standards while contributing to portfolio management and market insights.

Qualifications

• Strong credit research and analytical skills.
• Proficient in financial spreading and analysis.
• Good understanding of external regulations and laws.
• Detail oriented with ability to meet deadlines.
• Excellent written and verbal communication.

Responsibilities

• Evaluate credit applications from Business Units and Treasury for new/renewal facilities.
• Prepare credit assessment memos communicating independent, balanced opinions.
• Verify financial spreading and credit grading as required.
• Develop credit solutions and structuring for business clients.
• Ensure proposals comply with regulatory and internal policies.
• Provide market/industry intelligence as needed.
• Contribute to Target Market and Risk Acceptance Criteria development.
• Assist in portfolio management and CMD guideline inputs.
• Perform other tasks as assigned by GCCO.

Skills

Credit research

Financial analysis

Independent work

Communication skills

Regulatory knowledge

Education

Bachelor's degree in Finance/Accounting

Tools

Excel

Job description

Bank Islam Malaysia Berhad seeks an independent credit analyst in Kuala Lumpur to evaluate Business Units and Treasury credit applications. You will prepare balanced credit assessment memos, verify spreading and grading, and propose credit solutions aligned with policy.

Strong analytical and communication skills are essential. You will work to uphold regulatory standards while contributing to portfolio management and market insights.