Senior Credit Analyst

Coface; Kuala Lumpur; Hybrid; MYR 120,000 - 180,000; Full time

Benefits offered by this job

Flexible working model

Great place to work

Opportunities to learn

Job summary

Coface is seeking a dynamic credit analyst in Kuala Lumpur to assess debtor risks and maintain up-to-date information for a portfolio of debtors. You will liaise with Underwriters and Risk teams to ensure coherence between DRA and risk exposure.

Ideal candidates have 5+ years in credit risk analysis, strong financial statement interpretation skills, and a proactive, collaborative approach. The role offers a hybrid working model and growth opportunities within a global leader in trade credit

Qualifications

• Strong communication and presentation skills.
• Minimum 5 years in credit risk analysis in banking/finance.
• Ability to read and interpret company accounts and financial statements.

Responsibilities

• Assess debtor risks and maintain up-to-date information.
• Manage a portfolio of debtors with large exposures and sensitive files.
• Collaborate with risk underwriting and regional teams to review exposures.

Skills

Communication skills

Presentation skills

Credit risk analysis

Education

Finance/Economics/Banking degree

Job description

Our 5,200 experts representing 80+ nationalities in 58 countries are united by a shared purpose: helping companies navigate through uncertainty by empowering them to make the right decisions and trade smarter in a complex world.

With nearly 80 years of global experience, we offer companies a full range of solutions: Trade Credit Insurance, Business Information, Debt Collection, Single Risk insurance, Surety Bonds, Factoring — all driven by a unique data patrimony, cutting‑edge technology, innovation and a deep understanding of the global economy.

Joining Coface means being part of a close‑knit international organization, where your ideas matter. We foster a culture of learning, collaboration and inclusion where you are given responsibilities and can see the impact of your actions.

Shape the future of trade with us. Join our Happeners!

At Coface we make trade happen everyday

Our 5,200 experts representing 80+ nationalities in 58 countries are united by a shared purpose: helping companies navigate through uncertainty by empowering them to make the right decisions and trade smarter in a complex world.

With nearly 80 years of global experience, we offer companies a full range of solutions: Trade Credit Insurance, Business Information, Debt Collection, Single Risk insurance, Surety Bonds, Factoring — all driven by a unique data patrimony, cutting‑edge technology, innovation and a deep understanding of the global economy.

Joining Coface means being part of a close‑knit international organization, where your ideas matter. We foster a culture of learning, collaboration and inclusion where you are given responsibilities and can see the impact of your actions.

Shape the future of trade with us. Join our Happeners!

Job Description

MISSION :

We are currently seeking a dynamic and results driven credit analyst professional to join our trade credit insurance team in Malaysia - Kuala Lumpur reporting to the Country Manager, Malaysia.

This role requires the incumbent to assess debtor risks and ensure the portfolio of debtors is with up‑to‑date information. Performs control and optimise internal resources and access to external sources to meet strategic objectives. He/she liaises with Underwriters in order to maintain coherence between the DRA and the risk exposure.

MAIN RESPONSIBILITIES

Enhanced Information and Data Strategy management

• Collect company information through research, phone interviews and/or field visits to get in‑depth and update financial, business and credit information in order to assess the current situation of the companies.
• Engage in the review of source information scores and to ensure best quality, accuracy predictability and consistency is achieved.
• Participate in sensitive buyer visits and in‑depth reports and to oversee the quality of assessments by other team member(s).
• Validate credit rating (DRA) according to group delegation rules. Ensure the information and DRA represent the most up to date position and that group standards have been applied toward frequency and level of information required.
• Maintain the debtors’ shareholding structure in the system (FRG and Legal trees)
• Manage a portfolio of debtors, in particular on large exposures and sensitive files.
• Achieve annual target objectives in respect of production and quality.
• Review suspicious fraud files and prepare Pre‑Fraud analysis to the Anti‑Fraud officers
• Negotiate with information suppliers in respect of the local information contract.
• Manage the quality and effectiveness of (country) outsourced tasks to the back office centre(s).
• Other ad‑hoc projects as required

Process management and improvement

• Prioritise and monitor Worklists and processes to ensure volumes, time and quality standards are achieved and SLA’s are fully respected. Take remedial action when deemed appropriate.

Communication and Collaboration

To be part of buyer calls along with staff where applicable for obtaining financial and business information in order to assess their credit quality.

• Pro‑actively build and maintain good working relationships with Risk Underwriting and other colleagues.
• Communicate to underwriters requests and highlights any adverse information which is relevant to a review of exposure, particularly when a DRA is downgraded and exposure is significant.
• Reporting/discussion with regional team.
• Ensure handling of the Complaint process: act in quality of expert for the company in respect of complaints related to information and its use.

Compliance

• Ensure compliance with regulations and procedures as laid down by Coface and external regulators.

Qualifications

• University graduate in Finance, Business, Economics, Banking or equivalent
• Minimum 5 years of work experience in credit risk analysis (Banking, financial services or credit department).
• Advanced knowledge of reading and understanding and interpreting the company accounts, (audited, management and draft accounts), relating to both limited and public companies, including balance sheets and profit and loss statements, Cash flow statements and understand or calculate key accounting ratios.
• Understanding of company law, accounting principles and Legal group structures.
• Basic knowledge of prevailing macroeconomic and industry‑sector drivers and trends as a backdrop against which to evaluate a business’s credit worthiness.
• Understanding of banking products and how financing works
• Prior experience in trade credit insurance or other financial industries and multicultural/international corporate environment will be a plus
• Strong communication and presentation skills with excellent questioning skills
• Possess Credit or Business research skills
• Ability to work on a team and share information

Additional Information

• Flexible working model after the first month of working from the office will be hybrid
• Great place to work: central and modern office
• Opportunities to learn: budget every year for training, languages platform, e‑learning platform, dedicated development program…
• Career opportunities: Opportunity to build your career (both locally and internationally) in a large global company, one of the world leaders in its field
• Health care