Manager Credit Approval

Planworth Global Factoring Sdn. Bhd.; Kuala Lumpur; On-site; MYR 100,000 - 150,000; Full time

Job summary

A financial services company in Kuala Lumpur is seeking a Credit Evaluation Specialist with a Bachelor's degree in finance or related fields and at least 3 years of experience in approving structured credit products. Responsibilities include assessing credit risks, managing the approved credit portfolio, and ensuring compliance with internal policies. The role offers competitive salary and bonuses, insurance coverage, and a supportive work environment designed for optimal performance.

Benefits

Competitive basic salary

Attractive annual performance bonus

Insurance coverage for staff

Medical claims and dental coverage

Modern office layout and amenities

Qualifications

• At least 3 years of experience in approving structured credit products.
• Professional certifications such as FRM or PRMIA are an advantage.
• Knowledge of collateral and legal matters is an added advantage.

Responsibilities

• Independently assess and approve credit structures and facilities.
• Evaluate special requests and determine approval outcomes.
• Prepare comprehensive credit proposals articulating key risks.

Skills

Credit risk assessment

Financial statement analysis

Cash flow analysis

Commercial judgment

KYC and CDD requirements

Risk-aware mindset

Education

Bachelor’s Degree in Finance, Accounting, Banking, Economics, or related discipline

Job description

What is your role? Responsibilities

1. Credit Evaluation & Decision-Making
   Independently assess, review, approve, or recommend proposed credit structures and facilities by performing comprehensive evaluations of credit risk, financial strength, collateral adequacy, and compliance with internal credit policies and applicable regulatory requirements, while supporting sustainable business growth within defined risk appetite.
2. Special Request Evaluation
   Evaluate all Special Requests on their individual merits, including exceptions or non-standard proposals, and determine appropriate approval outcomes or recommend alternative credit structures and risk mitigation measures to address the risks arising from such requests.
3. Holistic Due Diligence & Compliance Assessment
   Incorporate AML/CFT considerations, findings from site visit reports (Client, Paymaster, and Supplier), and overall compliance with internal checklists and control requirements as an integral part of the credit assessment and approval process.
4. Credit Proposal & Documentation Quality
   Prepare and consolidate comprehensive credit proposals that clearly articulate key risks, mitigants, approval conditions, and rationale, ensuring transparency, consistency, and audit defensibility in all credit decisions.
5. Credit Portfolio Management
   Oversee and manage the approved credit portfolio, including conducting periodic and annual credit reviews where applicable, to ensure continued credit quality, early identification of emerging risks, and adherence to approved terms and conditions.
6. Credit Quality & Risk Resilience
   Ensure that approved credit exposures are of sound quality and appropriately structured to withstand operational, performance, project execution, and payment risks across varying business and economic conditions.
7. Training, Advisory & Stakeholder Support
   Provide credit and policy training and act as an advisory resource to Relationship Managers (RMs) and relevant stakeholders on credit structuring, risk assessment, and policy interpretation to promote consistent and prudent credit practices.

Who are we looking for? Requirements

• Bachelor’s Degree in Finance, Accounting, Banking, Economics, or a related discipline.
• Professional certifications such as FRM, PRMIA are an advantage but not mandatory.
• At least 3 years of experience approving structured or programme-based credit products, such as lending to SME, mortgage loans, credit cards, or other standard product programmes.
• Knowledge of collateral such as debentures, private caveat, and legal matters is an added advantage.
• Good understanding of credit risk, security valuation, and legal documentation.
• Strong financial statement and cash flow analysis skills.
• Sound commercial judgment with a risk-aware mindset.
• Some experience in approving discretionary or non-standard credit facilities to SMEs, including hands‑on involvement in financial statement analysis, cash flow and repayment capacity analysis, use of credit rating/scoring models, and stress testing and downside scenario analysis.
• Sound knowledge of KYC and Customer Due Diligence (CDD) requirements and their application within the credit approval process.
• Demonstrates a strong determination to achieve goals and overcome challenges.
• Takes proactive steps and demonstrates initiative to take on tasks independently.
• Hard‑working and diligent in carrying out responsibilities.
• A goal go‑getter to achieve objectives and meet targets.
• Hungry to succeed in their role.
• An enthusiastic learner to acquire new knowledge and skills.

We appreciate your talent: Benefits and Perks

• Competitive basic salary.
• Attractive annual performance bonus.
• Insurance coverage for staff – Group Hospitalisation, Group Term Life, and Group Personal Accident.
• Other staff benefits such as medical claims, optical, dental, annual health screening, company trips, teambuilding activities, wedding gifts, child‑birth gifts and many more.
• Large, modern, luxury, advanced and trendy office layout for optimum safety, comfort and performance, prayer room, pantry service with coffee and tea vending machine, training room and a secure basement parking.
• Ergonomic adjustable chairs and desks to support and promote good health and body posture.

Accelerate Your Career Growth

We offer a specialised sales skill assessment tool to evaluate your current skill set as part of upskilling your sales skills to be better than ever. Structured mentoring and coaching programs are available to build leadership and management capabilities through real‑world, on‑the‑job training. Plenty of career growth opportunities and avenues to diversify into other roles within the company.

Where are we? Ideal Location

• Close to Putra LRT – Ampang Park Station (5 mins walk).
• Adjacent to MRT – Ampang Park Station (5 mins walk).
• Working day: 5‑day work week.
• Surrounded by shopping centres – short walking distance to KLCC, Avenue K, Intermark, etc.
• Located on the ground floor of a 33‑storey building with more than 10,000ft² of workspace.

Are you ready to apply your talent and elevate your working skills and experience? ‘Apply Now’ and you are one step ahead to an outstanding career!

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