Manager, Credit Approval

Planworth Global Factoring Sdn. Bhd.; Kuala Lumpur; On-site; MYR 60,000 - 90,000; Full time

Benefits offered by this job

Annual bonus

Insurance coverage

Company trips

Health screening

Medical claims

Dental & optical

Team events

Job summary

Planworth Global Factoring Sdn. Bhd. is seeking a Credit Officer to independently assess and approve credit structures, performing risk evaluations, collateral assessment, and compliance with internal policies while supporting growth in a controlled manner.

The role requires at least 3 years of SME credit approval experience, strong cash-flow analysis, and collaboration with Relationship Managers to structure and document facilities.

Qualifications

• Bachelor's degree in Finance, Accounting, Banking, Economics, or related field.
• 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.

Responsibilities

• Credit evaluation and approval of proposed structures and facilities with risk assessment.
• Holistic due diligence including AML/CFT considerations and site reports.
• Prepare and consolidate comprehensive credit proposals with key risks and mitigants.
• Oversee approved credit portfolio and conduct periodic reviews to ensure credit quality.
• Provide credit training and advisory support to Relationship Managers and stakeholders.

Skills

Credit risk

Cash flow analysis

Regulatory compliance

KYC/CDD

Education

Bachelor's degree in Finance/Accounting

Tools

MS Excel

Job description

To independently assess, review, approve, or recommend potential credit structure and credit facilities, acceptable to the Company by evaluating credit risk, financial strength, collateral adequacy, and compliance with internal policies and regulatory requirements, while supporting business growth in a risk-controlled manner.

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.

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.

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 standardized product programmes.

Knowledge of collateral such as debentures, private caveat, and legal matters are 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.

Sound commercial judgment with a risk‑aware mindset.

Demonstrates a strong determination to achieve goals and overcome challenges.

Takes proactive steps and demonstrates initiative to take on tasks independently.

Hard‑working and diligence in carrying out responsibilities.

A Goal Go‑Getter to achieve objectives and meet targets.

Curious and Hungry to succeed in their role.

An enthusiastic learner to acquire new knowledge and skills.

We appreciate your talent: Benefits and Perks

• 5 days working week.
• Competitive basic salary.
• Attractive annual performance bonus. Our rewards philosophy matches pay to performance, potential and work ethics.
• Insurance coverage for staff - Group Hospitalization, 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 your optimum safety, comfort and performance, prayer room, training room and a secure basement parking.
• Pantry service with beverage vending machine. Enjoy complimentary, barista-style refreshments, including a selection of Cappuccinos, Lattes, and Americanos available throughout the day.
• We are committed to employee health, wellbeing and comfort – We provide ergonomic adjustable chairs and desks to support and promote good health and body posture. Ergonomic chairs and tables are highly adjustable to suit the natural position of your joints and body type to align your shoulders, provide hips and spine support, increased productivity, and enhanced employee comfort.

Accelerate Your Career Growth

We start by using an assessment tool to identify your strengths and target areas for upskilling. To help you advance, we offer structured mentoring and coaching programs intended to build leadership and management capabilities through real-world, on-the-job training. Furthermore, there are 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)

Surrounded by shopping centres - short walking distance to KLCC, Avenue K, Intermark and etc.

Located on the ground floor of a 33 storey building with more than 10,000ft of work space.

Unlock job insights

Hirer responsiveness Salary match Number of applicants

Your application will include the following questions:

• Which of the following statements best describes your right to work in Malaysia?
• What's your expected monthly basic salary?
• Do you have experience working in a business banking environment?
• How many years' experience do you have as a credit officer?
• How many years' experience do you have as an SME Credit Approval Manager?
• How many years' experience do you have as an Unsecured Lending Officer?

An established and well‑known financial institution (FI) registered with the Ministry of Finance and the Government’s eProcurement platform. Planworth, is a multiple‑award winning FI that include 2024 Enterprise 50. Standing as the largest non-bank Factoring FI in Supply Chain Finance across the Singapore and Malaysia markets combined. We empower SMEs, large corporations, and listed entities through a diversified portfolio of credit facilities without collateral designed to optimize cash flow at every stage of the business cycle: Supply Chain & Pre-Financing, Revolving Credit, Term Loan, Letter of Credit, Letter of Undertaking, Performance Bond and Invoice Financing.

An established and well‑known financial institution (FI) registered with the Ministry of Finance and the Government’s eProcurement platform. Planworth, is a multiple‑award winning FI that include 2024 Enterprise 50. Standing as the largest non-bank Factoring FI in Supply Chain Finance across the Singapore and Malaysia markets combined. We empower SMEs, large corporations, and listed entities through a diversified portfolio of credit facilities without collateral designed to optimize cash flow at every stage of the business cycle: Supply Chain & Pre-Financing, Revolving Credit, Term Loan, Letter of Credit, Letter of Undertaking, Performance Bond and Invoice Financing.

• Perks and benefits Outpatient Medical Coverage Group Hospitalization & Surgical Coverage Group Personal Accident Coverage Group Term Life Coverage Performance Bonus Scheme Marriage Leave and Wedding Gift Dental, Optical and Annual Health Screening Study Leave

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