Senior SME Credit Analyst

Yulon Capital Sdn Bhd; Kuala Lumpur; On-site; MYR 40,000 - 70,000; Full time

Benefits offered by this job

Outpatient medical

Dental care

Optical claims

Education support

Parking

Phone

Petrol Allowance

Festive Celebration

Birthday Celebration

Staff Insurance

Professional membership

Job summary

Yulon Capital Sdn Bhd is seeking a Credit Analyst Executive/Senior Executive to evaluate SME loan applications and determine creditworthiness. You will analyze financial documents, mitigate risk, and prepare reports to support lending decisions.

The role involves coordinating with sales and other departments to ensure policy-compliant credit decisions and regular reviews of existing customers. Strong communication in English, Bahasa Malaysia and Mandarin is preferred.

Qualifications

• Candidate must possess at least a Diploma/Degree in Finance, Accounting, Banking or equivalent.
• At least 3 years' experience in credit investigation / evaluation for SME corporate finance product (Industrial Hire Purchase, leasing and money lenders etc. business)
• Possess good understanding on the credit on-boarding and review process.
• Ability to adapt and resourceful in problem solving.
• Good written and verbal communication skills.

Responsibilities

• Review SME loan applications and conduct assessment on applicant’s creditworthiness.
• Analyze business bank statements, financial statements, credit reports and other relevant supporting documents of customer.
• Mitigate risk, evaluate and recommend loan applications.
• Ensure that recommendation and decision is consistent with company’s credit policies, guidelines and regulatory requirement.
• Conduct periodic review and meeting up customer with sales team on existing customers.
• Work closely with other departments to ensure a coordinated approach to credit, collections and recovery.
• Build good rapport with internal sales team to enhance overall efficiency.

Skills

Credit analysis

Financial statement analysis

SME lending

Credit policy compliance

Verbal communication

Written communication

Mandarin proficiency

Bahasa Malaysia

English proficiency

Education

Diploma/Degree in Finance, Accounting, Banking or equivalent

Job description

Yulon Capital Sdn Bhd is seeking a Credit Analyst Executive/Senior Executive to evaluate SME loan applications and determine creditworthiness. You will analyze financial documents, mitigate risk, and prepare reports to support lending decisions.

The role involves coordinating with sales and other departments to ensure policy-compliant credit decisions and regular reviews of existing customers. Strong communication in English, Bahasa Malaysia and Mandarin is preferred.