Credit Analyst

About The Role

In this role, you will be directly responsible for ensuring that all applications received from the Sales and Business Development team are properly filtered through an ever-sophisticated credit scoring system, keeping in line with CapBay’s mission to provide smart and inclusive financing to SMEs whilst maintaining investors’ trust in us.

Roles/Responsibilities

In this role, you will be expected to:

• Provide credit evaluation on financing applications submitted by Business Units covering risk assessment,review appropriate facility structuring, and etc. This includes completion of credit papers / memos / term sheets for submission to relevant approving authority / Credit Committee for decision.
• Provide financial projections or sensitivity analysis for credit evaluation where necessary.
• Interview clients with Relationship Managers on site-visits if required.
• Perform independent post-approval reviews on credit accounts.
• Monitor loan portfolio repayments as well as conduct periodic credit review on accounts.
• Assess and ensure overall good health of the department's credit portfolio.
• Prepare ad-hoc reports and statistics.
• Involve in managing the efficacy of credit policies, guidelines and procedures.
• Participate / attend credit-related business development meetings with external parties.
  
  

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Requirements

We are looking for someone with:

• Minimum 1-3 years of experience in Retail Business / SME credit analysis OR SME/Biz banking sales-relationship management experience
• Open to fresh graduates with a recognised Bachelor’s degree in Finance/Accounting, Business Administration, or a related field as well.
• Equipped professional experience in Finance or Credit Analysis and/or with qualification in Credit Certified Professional (CCP)/ Professional Credit Certification -CCE/BCP from AICB /Omega CSA will be an added advantage.
• Strong analytical skills with a good grasp of financial analysis and cash flow projections.
• Must have sound knowledge of credit products, credit policy & procedures and regulatory requirements.
• Constantly updated to latest financial, banking, compliance, economic-related news/issues.
• Good interpersonal and writing skills with fluency in English and comprehension in Bahasa Malaysia.
• Proficiency in Microsoft Excel; expertise in PowerQuery and PowerPivot and/or knowledge of VBA for Excel and/or JavaScript scripting will be an added advantage.
  
  

[Apply now at https://my.hiredly.com/jobs/jobs-malaysia-capbay-job-credit-analyst-0]