Credit Analyst

2 weeks ago


Kuala Lumpur, Kuala Lumpur, Malaysia Bank Islam Full time

Req ID: 5971- Job Description:

  • Summary

Responsibilities:

  • Perform credit assessment on manually approved financing to assess credit worthiness of customer.
  • Assist Financing Operations Lead in developing and maintaining internal credit risk policy, strategy and endtoend credit risk value chain and other infrastructure to ensure effective credit risk management within CDX from the experience gain through the manual credit assessment process.
  • Assist in ensuring timely review of credit/ product programs and monitor underwriting standards to ensure robust credit risk assessment. Able to anticipate impacts of credit decisions in risk appetite.
  • Assist business unit goals through continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels.
  • Maintain solid understanding of Bank Islam's products and services within CDX and the broader organization.
  • Ensure ongoing compliance with internal policies and regulatory requirements.
  • Facilitate preparation of reports to communicate the level of compliance within CDX
  • Provide assistance to internal and external auditor/compliance team as well as Regulators on credit risk related matters
Qualification

  • Possess a recognized degree preferably in Accounting, Finance, Economics or Business.
Years of Experience

  • 3 years
Specific Skills/Knowledge and Certification Required

  • Preferably at least 3 years of related working experience and exposure in retail/ business banking in the financial services sector.
  • Good credit and analytical skills in Consumer and Micro SME Banking. Previous experience in credit evaluation would be an added advantage.
  • Certified qualifications in risk management especially credit risk would be an added advantage.
  • Good communication, writing, strong analytical and problemsolving skills.
  • Assertive and innovative team player, highly independent, committed, selfmotivated, resourceful and result oriented.
  • Ability to multitask, highly numerate with great attention to detail.
  • Comfortable working with tight deadlines and able to utilize sound judgement.
  • Able to thrive when there is ambiguity.

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