Credit Analyst

2 weeks ago


Petaling Jaya, Malaysia IBM Full time

**Introduction**
At IBM, work is more than a job - it's a calling: To build. To design. To code. To consult. To think along with clients and sell. To make markets. To invent. To collaborate. Not just to do something better, but to attempt things you've never thought possible. Are you ready to lead in this new era of technology and solve some of the world's most challenging problems? If so, lets talk.

**Your Role and Responsibilities**
- Analyze customer financial profile and identify related risk exposure for different industries client
- Perform analysis and monitor Industry and market risk
- Serve as a SME with proactive advice and provide guidance to IBM business units and functional team
- Work independently, make firm/ informed judgement and decision to protect IBM interest, balancing risk and returns
- Provide recommendation or alternative options including deal restructure to enhance IBM’s credit position and enable IBM to win
- Work closely and support sister regional credit center in Budapest & Rio
- Proactively participate and/or lead on global IBM Financing or credit initiatives and projects
**Required Technical and Professional Expertise**
- Possess at least degree in Finance, Accounting, related professional qualification
- Fluent in Japanese speaking, reading and writing
- Ideally possess work experience in credit risk analysis or external auditor
- Possess relevant IBM business knowledge in both IBM mainline (preferably Services, Statutory accounting) and IBM Financing
- Meticulous, diligence, strong analytical and problem-solving skills
- Resilient and able to work independently under pressure and meet tight deadlines
- Strong written and verbal communication skills
- Strong leadership skill able to provide consistent guidance to younger team members in daily operations
- Able to analyze full financial statement to assess the financial profile of a company
- Able to learn and acquire credit skills quickly to handle more complex deals
- Possess growth mindset, innovation & agile. Always looking for ways to improve
- Excellent teaming and collaboration skills across functions and with the COE
**Preferred Technical and Professional Expertise**
- Kindly refer to the above

**About Business Unit**

IBM Global Financing (IGF), the lending and leasing division of IBM, is a worldwide leader in information technology financing that provides financial service excellence, to accelerate value from technology and help our clients achieve the next best thing. IGF provides funding to more than 125,000 customers in more than 40 countries, enabling our customers to buy or lease hardware, software, and services not only from IBM, but from any technology vendor. Some institutions finance purchases. We finance possibilities.

Are you craving to learn more? Prepared to solve some of the world's most unique challenges? And ready to shape the future for millions of people? If so, then it's time to join us, express your individuality, unleash your curiosity and discover new possibilities.

Every IBMer, and potential ones like yourself, has a voice, carves their own path, and uses their expertise to help co-create and add to our story. Together, we have the power to make meaningful change - to alter the fabric of our clients, of society and IBM itself, to create a truly positive impact and make the world work better for everyone.

It's time to define your career.
**About IBM**

Restlessly reinventing since 1911, we are not only one of the largest corporate organizations in the world, we’re also one of the biggest technology and consulting employers, with many of the Fortune 50 companies relying on the IBM Cloud to run their business.

At IBM, we pride ourselves on being an early adopter of artificial intelligence, quantum computing and blockchain. Now it’s time for you to join us on our journey to being a responsible technology innovator and a force for good in the world.
**Location Statement**

IBM is committed to creating a diverse environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, pregnancy, disability, age, veteran status, or other characteristics. IBM is also committed to compliance with all fair employment practices regarding citizenship and immigration status.


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