Retail Financing Specialist

Company Description Bank Muamalat is a leading full-fledged Islamic bank, established in 1999 and operating under the Islamic Financial Services Act 2013 (IFSA). The bank serves individual customers with deposit accounts, asset management, and a wide range of retail financing solutions for vehicles, homes, and personal needs. Corporate and institutional clients benefit from comprehensive offerings including cash management, payment solutions, trade and export finance, foreign exchange, and capital market services. Bank Muamalat maintains a nationwide presence through nearly 68 branches and extensive electronic channels, including i-Muamalat internet banking and e-Muamalat ATMs, CDMs, and CDTs at around 240 locations. The bank is part of the DRB-HICOM Berhad Group and is also associated with Khazanah Nasional Berhad and Perbadanan Insurans Deposit Malaysia.
Role Description The Retail Financing Specialist is a full-time, on-site role based at the North Branch, MN location. This role focuses on assessing and processing retail financing applications for products such as automobile, home, and personal financing in line with Islamic banking principles and internal credit policies. The specialist conducts customer interviews, reviews documentation, analyzes financial information, and recommends appropriate financing solutions that meet both customer needs and risk guidelines. Daily responsibilities include preparing and verifying financing proposals, ensuring accurate data entry in banking systems, monitoring application status, and coordinating with internal teams to support timely approvals and disbursements. The role also involves providing clear information to customers about product features, terms, and obligations, maintaining compliance with regulatory and bank standards, and contributing to branch sales and service targets.
Qualifications

• Candidates should possess strong Finance and Accounting skills, with an understanding of Islamic banking concepts and retail financing products.
• Candidates should possess solid Analytical Skills and the ability to interpret Financial Statements to evaluate customer creditworthiness and risk.
• Candidates should possess effective Communication skills, including the ability to explain financing terms clearly and build professional relationships with customers and colleagues.
• Candidates should possess attention to detail, proficiency in basic office and banking software, and the ability to maintain accurate records and documentation.
• Relevant academic background such as a diploma or degree in Finance, Accounting, Business, Economics, or a related field is preferred.
• Experience in retail banking, credit analysis, or customer-facing financial services roles is an advantage.
• Ability to work in a structured, compliance-focused environment and manage multiple applications and deadlines is beneficial.