Senior Credit Analyst (Manager)

ORIX; Kuala Lumpur; On-site; MYR 120,000 - 160,000; Full time

Job summary

A financial services company located in Kuala Lumpur seeks a Credit Manager responsible for overseeing credit applications, developing team members, and enhancing risk management processes. The ideal candidate will have at least 8 years of experience in evaluating commercial loans and possess strong leadership and analytical skills. Excellent command of English and proficiency in Microsoft Office are required for this role, which involves working under pressure in a dynamic environment.

Qualifications

• Minimum 8 years of experience in evaluation of commercial/corporate business loans.
• Experience in supervisory roles leading a team.
• Fluent in English with strong report writing skills.

Responsibilities

• Perform in-depth credit evaluation and approve credit applications.
• Oversee team activities and motivate team members.
• Review and implement credit application processes and policies.

Skills

Leadership skills

Critical thinking

Analytical skills

Communication skills

Problem-solving attitude

Education

Degree in Business Studies, Economics, Finance/Accountancy/Banking

Chartered Banker (CB) / Associate Chartered Banker (ACB) / Professional Credit Certification (PCC) / Certified Credit Professional (CCP)

Tools

Microsoft Office

Job description

Responsibilities

To perform in-depth credit evaluation and approve credit applications in accordance with the credit authority given.

To oversee all activities within a team and motivate team members to perform tasks efficiently.

Responsible for deciding how to approach tasks and develop a plan to accomplish them, including distributing information to team members and keeping track of and structuring various tasks, resolving challenges and determining the goals that members will work toward.

To provide coaching and guidance to junior Credit Associate (CA) on product knowledge, credit assessment technique and company’s internal policies and procedures.

To review, formulate and implement credit application processes, policies & guidelines to enhance efficiency of credit approval and effectiveness of credit risk management.

Conduct portfolio analysis, provide analytical review and report to effectively identify opportunities and risks.

To conduct joint customer visits with Business Units and Branch visits when necessary.

To support the department's review of new products’ performance, including risk monitoring to identify trends/risk characteristics of loan portfolio.

To undertake and assist matters in the spectrum of Risk Management related scope and any other duties assigned by the Head of Department.

Qualifications

Degree in Business Studies, Economics, Finance/Accountancy/Banking or equivalent with Chartered Banker (CB)/ Associate Chartered Banker (ACB)/ Professional Credit Certification (PCC)/ Certified Credit Professional (CCP) qualification.

Minimum 8 years of relevant experience in evaluation of commercial / corporate business loans including supervisory roles in leading a team.

A team player with strong leadership skills, good communication skills with a proactive problem-solving attitude.

Strong critical thinking and analytical skills, resourceful and attentive to details.

Possess good command of English with a flair for comprehensive report writing.

High self‑motivation and able to work independently.

Possess sense of urgency, able to multitask and work under pressure.

Proficient in Microsoft Office applications.