Operations Finance Assistant, Penang RSSC (Credit Risk)

DSV Shared Services Asia Sdn. Bhd.; Bayan Lepas; On-site; MYR 42,000 - 72,000; Full time

Job summary

DSV Shared Services Asia Sdn. Bhd. in Penang is seeking an Operations Finance Assistant (Credit Risk) to perform in-depth financial analyses of clients and counterparties, assess risk, and support credit decision-making.

You will review credit applications, assign internal risk ratings, and help develop risk models while monitoring risk limits across clients and products in a fast-paced environment.

Qualifications

• Bachelor's degree in Accounting or Finance or professional degree required.
• Fresh graduate or 1+ year in Accounting/Finance.
• Proficiency in Microsoft Excel is desirable.

Responsibilities

• Conduct in-depth financial analysis of corporate clients, financial institutions, or retail borrowers using financial statements, credit histories, credit reports and market data
• Review credit applications, financing structures, and complex derivatives to approve, reject, or modify terms based on risk guidelines
• Assign internal credit ratings to counterparties and develop/refine risk assessment models
• Establish, implement, and monitor credit risk limits across different clients, products, and sectors in accordance with board-approved risk appetite
• Regularly review customer's credit utilization and any risk associated with changes in the micro and macro environment
• Perform stress testing and scenario analysis to measure portfolio vulnerability to adverse economic or market conditions
• Formulate, implement, and maintain credit policies, procedures, and governance frameworks
• Ensure all credit activities and provisioning comply with policy, regulatory requirements and international accounting standards
• Work alongside relationship managers, business units, and product groups to structure deals that balance growth objectives with acceptable risk levels
• Prepare accurate weekly and monthly reporting and present credit recommendations to Senior Management and Credit Committees

Skills

Strong communication skills

Collaboration

Adaptability

Time management

Critical thinking

Attention to detail

Education

Bachelor's degree in Accounting or Finance or Professional degree

Tools

SAP

CW1

Tango

Microsoft Excel

Job description

Operations Finance Assistant, Penang RSSC (Credit Risk)

Conduct in-depth financial analysis of corporate clients, financial institutions, or retail borrowers using financial statements, credit histories, credit reports and market data

Review credit applications, financing structures, and complex derivatives to approve, reject, or modify terms based on risk guidelines

Assign internal credit ratings to counterparties and develop/refine risk assessment models

Establish, implement, and monitor credit risk limits across different clients, products, and sectors in accordance with board-approved risk appetite

Regularly review customer's credit utilization and any risk associated with changes in the micro and macro environment

Perform stress testing and scenario analysis to measure portfolio vulnerability to adverse economic or market conditions

Formulate, implement, and maintain credit policies, procedures, and governance frameworks

Ensure all credit activities and provisioning comply with DSV policy, regulatory requirements and international accounting standards

Work alongside relationship managers, business units, and product groups to structure deals that balance growth objectives with acceptable risk levels

Prepare accurate weekly and monthly reporting and present credit recommendations to Senior Management and Credit Committees

Qualifications

Bachelor's degree in Accounting or Finance or Professional degree

Fresh Graduate or at least 1 years' experience in Accounting or Finance or equivalent

Proficiency in Microsoft Office (Excel)

Experience in SAP, CW1, or Tango is advantageous

Strong communication skills with the ability to convey information clearly, listen actively, and adapt your tone to different audiences

Ability to work well with others to achieve common goals, share ideas, and resolve conflicts

Ability to navigate change, overcome unexpected challenges, and remain flexible in fast-paced environments

Strong time management skills with ability to organize schedule, meet deadlines, and maximize productivity

Critical thinking skills to identify issues and implement practical solutions

High accuracy and attention to detail with sensitivity to submitted information for credit assessment