Credit Analyst

Job Responsibilities:

1. Credit Management:

• Review and assess customer credit applications by evaluating financials statements, payment history, and external credit reports.
• Prepare clear credit risk assessments and credit scoring report to support decision making.
• Recommend appropriate credit limits and terms to the designated approver based on risk analysis.
• Provide support on service and order on credit hold by working closely with internal stakeholders to minimize disruption.
• Maintain complete and accurate documentation for all credit reviews and approvals ensuring audit readiness.
• Generate report related to credit hold status.
• Assist in managing blocked order queues to ensure timely action is taken.

2. Customer Master Data:

• Create, maintain, and validate customer master record in ERP system, ensuring data accuracy, consistency, and alignment with business rules.
• Validate and verify supporting documents for customer creation, updates, and changes, ensuring they meet audit and policy standards.
• Ensure compliance with internal controls, data governance, and audit requirements for all master data changes.
• Collaborate with cross-functional teams including Sales, Finance, and OTC to resolve data issues or discrepancies.
• Periodically review and cleanse customer master data to maintain system integrity and reporting accuracy.
• Track and report on KPIs including turnaround time for credit reviews and data accuracy.
• Generate and analyse reports related to credit evaluation and credit hold status.
• Support month end closing activities
• Participate in system testing, continuous improvement initiatives, and other tasks or projects as assigned.
• Support internal and external audits by preparing and providing required documentations.
• Establish and maintain cross functional relationships across the business to improve customer satisfaction.  

Requirements:

• Minimum two (2) years to five (5) of relevant working experience in credit analysis, account receivable, collections, or customer master data management and/or Diploma or Bachelor's Degree in Accounting, Business Administration, Finance, or equivalent. 
• Good understanding of financial statements and credit risk indicators.
• Well converse in English, Bahasa Malaysia in both written and verbal. Ability to converse in Mandarin verbally & in writing would be preferable.