Credit Analysis Specialist
2 weeks ago
We are seeking a highly skilled Credit Analyst Executive to join our team at JCL Credit Leasing Sdn Bhd.
Key Responsibilities:- Conduct thorough credit analysis on customers based on their financial statements, ensuring accuracy and adherence to company policies.
- Ensure completeness of each credit analysis prepared, maintaining organizational standards and guidelines.
- Monitor past due and delinquent accounts, collaborating with the sales team and customers to resolve collection activities and mitigate risks.
- Evaluate customer information through phone calls, verifying accuracy and following established guidelines.
- Review credit risk for new applications and existing customers, conducting worthless checks and making recommendations to minimize risks.
- Maintain confidentiality, integrity, and availability of all protected information assets.
- Perform periodic credit evaluations and meet with the sales team to discuss existing customers, developing and implementing credit control procedures.
- Pursue continuous improvement in credit policy and analysis methodologies, such as credit scoring and portfolio analysis.
- Assist in developing and implementing practices to minimize loan charge-offs from adversely-graded loans.
- Oversee credit/loan administration/management activities, ensuring ongoing updates of client files/information.
- Minimize defaults and bad debts of ongoing loans.
- Verify employment and CV information.
- Candidate must possess a Degree in Finance, Accounting, Banking, or equivalent.
- A minimum of 1 year of relevant working experience, preferably in credit evaluation.
- Proficiency in Microsoft Office applications, including Excel, Word, and Outlook.
- Excellent communication and interpersonal skills.
- Ability to work independently with minimal supervision and meet deadlines.
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