Retail Financing Specialist

Bank Muamalat; Kota Samarahan; On-site; MYR 42,000 - 70,000; Full time

Job summary

Bank Muamalat is seeking a Retail Financing Specialist to join the North Branch team. The role involves assessing and processing retail financing applications for auto, housing, and personal loans in accordance with Islamic banking principles.

You will conduct customer interviews, review documents, and recommend suitable financing solutions while ensuring compliance with internal policies. Daily tasks include preparing proposals, data entry in banking systems, and coordinating with internal

Qualifications

• Must have strong Finance and Accounting skills and understanding of Islamic banking concepts.
• Experience or knowledge of retail financing products and lending processes is required.
• Excellent communication skills to explain financing terms clearly and build relationships with customers.
• High attention to detail with accurate documentation and data entry.
• Solid analytical skills to assess creditworthiness and risk from financial statements.
• Familiarity with banking software and ability to maintain records and documentation.
• Academic background in Finance, Accounting, Business, Economics or related field preferred.

Responsibilities

• Assess and process retail financing applications (auto, home, personal) in line with Islamic banking principles and internal policies.
• Conduct customer interviews, collect and review documentation, and analyze financial information.
• Prepare and verify financing proposals; ensure accurate data entry in banking systems.
• Monitor application status and coordinate with internal teams to support timely approvals and disbursements.
• Explain product features, terms, and obligations to customers while maintaining regulatory compliance.
• Contribute to branch sales targets and quality service delivery.

Skills

Finance & Accounting

Islamic banking concepts

Retail financing products

Communication skills

Attention to detail

Analytical skills

Documentation & records

Education

Finance/Accounting/Business/Economics degree

Tools

Banking software proficiency

Job description

Company Description Bank Muamalat is a leading full-fledged Islamic bank, established in 1999 and operating under the Islamic Financial Services Act 2013 (IFSA). The bank serves individual customers with deposit accounts, asset management, and a wide range of retail financing solutions for vehicles, homes, and personal needs. Corporate and institutional clients benefit from comprehensive offerings including cash management, payment solutions, trade and export finance, foreign exchange, and capital market services. Bank Muamalat maintains a nationwide presence through nearly 68 branches and extensive electronic channels, including i-Muamalat internet banking and e-Muamalat ATMs, CDMs, and CDTs at around 240 locations. The bank is part of the DRB-HICOM Berhad Group and is also associated with Khazanah Nasional Berhad and Perbadanan Insurans Deposit Malaysia.

Role Description The Retail Financing Specialist is a full-time, on-site role based at the North Branch, MN location. This role focuses on assessing and processing retail financing applications for products such as automobile, home, and personal financing in line with Islamic banking principles and internal credit policies. The specialist conducts customer interviews, reviews documentation, analyzes financial information, and recommends appropriate financing solutions that meet both customer needs and risk guidelines. Daily responsibilities include preparing and verifying financing proposals, ensuring accurate data entry in banking systems, monitoring application status, and coordinating with internal teams to support timely approvals and disbursements. The role also involves providing clear information to customers about product features, terms, and obligations, maintaining compliance with regulatory and bank standards, and contributing to branch sales and service targets.

Qualifications

• Candidates should possess strong Finance and Accounting skills, with an understanding of Islamic banking concepts and retail financing products.
• Candidates should possess solid Analytical Skills and the ability to interpret Financial Statements to evaluate customer creditworthiness and risk.
• Candidates should possess effective Communication skills, including the ability to explain financing terms clearly and build professional relationships with customers and colleagues.
• Candidates should possess attention to detail, proficiency in basic office and banking software, and the ability to maintain accurate records and documentation.
• Relevant academic background such as a diploma or degree in Finance, Accounting, Business, Economics, or a related field is preferred.
• Experience in retail banking, credit analysis, or customer-facing financial services roles is an advantage.
• Ability to work in a structured, compliance-focused environment and manage multiple applications and deadlines is beneficial.