Senior Credit Risk Analyst - Real Estate & Asset Financing

OSK CAPITAL SDN. BHD.; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Job summary

OSK CAPITAL SDN. BHD. is seeking an independent credit evaluator to ensure comprehensive credit assessment for informed decisioning and superior asset quality.

The role involves engagement with Business Unit and Senior Management on risk issues, conducting independent credit assessments, and refining credit parameters for portfolio lending within the Group. The ideal candidate should have at least 7 years of business credit experience, especially in property development and construction

Qualifications

• Min 7 years of business credit experience, notably in Property Development & Construction financing, land bank financing, asset backed financing, share margin financing etc.
• Familiar with asset-backed lending, development and construction financing, mezzanine loans, and other types of commercial real estate financing.
• Familiar with responsible lending and regulatory requirements in Malaysia.
• Capability to evaluate credit by using a combination of data analysis and business acumen, notably on evaluating the merits and risks of various types of loans by using factual arguments.
• Familiar with the historical developments, current issues and evolving trends in the commercial real estate market in Malaysia.
• Possesses a positive, can-do attitude and can work under pressure to meet tight turnaround time.
• Good personality, high integrity, proper track record and able to work independently with excellent interpersonal skills.

Responsibilities

• Engagement with Business Unit and Senior Management on risk issues in relation to business initiatives to be implemented by the Group.
• Perform independent credit assessment, i.e.: credit profile, structure and customer due diligence etc. on all credit applications within the Group, and ensure assets booked are of superior quality.
• Review, devise and improve the credit parameters for portfolio lending that the Group exposed to.
• Close monitoring of the Group financing portfolio and ensure prompt actionable are taken in a timely manner should there be any deterioration in the credit standing of customers.
• Ensure adherence to internal guidelines, policies and regulatory requirements etc. for all credit applications within the Group.
• Joint site visits with Business Unit to evaluate the quality / marketability of collateral and ascertain its suitability in relation to the financing application.

Job description

OSK CAPITAL SDN. BHD. is seeking an independent credit evaluator to ensure comprehensive credit assessment for informed decisioning and superior asset quality.

The role involves engagement with Business Unit and Senior Management on risk issues, conducting independent credit assessments, and refining credit parameters for portfolio lending within the Group. The ideal candidate should have at least 7 years of business credit experience, especially in property development and construction