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Job Purpose
To evaluate credit applications for SME and Commercial clients, including new, renewal, and enhancement requests.
Job Accountabilities
- Evaluate credit applications for SME and Commercial clients, including new, renewal, and enhancement requests.
- Conduct detailed financial analysis on audited financial statements, management accounts, and cash flow projections.
- Assess creditworthiness based on business model sustainability, industry risks, repayment capability, and collateral adequacy.
- Prepare credit proposals and Memorandum of Approv
- al (MA) for submission to the Credit Committee.
- Ensure adherence to internal credit policies, regulatory guidelines, and risk management frameworks.
- Collaborate with Relationship Managers to understand business operations and structure appropriate financing solutions.
- JOB REQUIREMENTS
- Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or a related discipline.
- Professional certifications such as CFA, ACCA, CPA, or equivalent will be an added advantage.
- Minimum 2–5 years of relevant experience in credit analysis, credit assessment, or risk management within banking or financial services.
- Prior exposure to SME and/or Commercial Banking portfolios is preferred.
- Strong proficiency in financial analysis, including interpretation of audited financial statements, management accounts, and cash flow projections.
- Sound understanding of credit risk assessment, including evaluation of repayment capacity, industry risk, and collateral structures.
- Familiarity with Bank Negara Malaysia (BNM) regulations, internal credit policies, and risk management frameworks.
- Ability to prepare clear, structured, and concise credit papers (e.g., Memorandum of Approval).
