Credit Analyst

4 days ago


Petaling Jaya, Selangor, Malaysia Capbay Full time

Join to apply for the Credit Analyst role at CapBay

CapBay operates an award-winning Supply Chain Finance and Peer-to-Peer (P2P) Financing platform. We facilitate inclusive business financing, using existing trade data and relationships. Through our proprietary credit-decisioning model, businesses of all sizes can obtain short-term financing while banks and investors can participate in high-quality financing deals. You can find out more about us at www.capbay.com

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.

Responsibilities:

  • 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.

Requirements:

  • 1-3 years of experience in Retail Business / SME credit analysis OR SME/Biz banking sales-relationship management experience.
  • Bachelor's degree in Finance/Accounting, Business Administration or related field.
  • 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.
Seniority level

Entry level

Employment type

Full-time

Job function

Finance and Sales

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