Credit Analysis Specialist

2 weeks ago


Kuala Lumpur, Kuala Lumpur, Malaysia JCL Credit Leasing Sdn Bhd Full time
Job Description

We are seeking a highly skilled Credit Analyst Executive to join our team at JCL Credit Leasing Sdn Bhd.

Key Responsibilities:
  1. Conduct thorough credit analysis on customers based on their financial statements, ensuring accuracy and adherence to company policies.
  2. Ensure completeness of each credit analysis prepared, maintaining organizational standards and guidelines.
  3. Monitor past due and delinquent accounts, collaborating with the sales team and customers to resolve collection activities and mitigate risks.
  4. Evaluate customer information through phone calls, verifying accuracy and following established guidelines.
  5. Review credit risk for new applications and existing customers, conducting worthless checks and making recommendations to minimize risks.
  6. Maintain confidentiality, integrity, and availability of all protected information assets.
  7. Perform periodic credit evaluations and meet with the sales team to discuss existing customers, developing and implementing credit control procedures.
  8. Pursue continuous improvement in credit policy and analysis methodologies, such as credit scoring and portfolio analysis.
  9. Assist in developing and implementing practices to minimize loan charge-offs from adversely-graded loans.
  10. Oversee credit/loan administration/management activities, ensuring ongoing updates of client files/information.
  11. Minimize defaults and bad debts of ongoing loans.
  12. Verify employment and CV information.
Requirements:
  • 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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