Associate, Credit Assessment

3 days ago

Kuala Lumpur, Malaysia Bank Islam Full time

Req ID: 7468
- Job Description:

- **Duties & Responsibilities**:

- Prepare and complete the Memorandum of Approval (MA) / Credit Proposal for submission.
- Address and mitigate issues highlighted or raised by the Credit Management Division.
- Present proposals and obtain approval from the relevant Financing Committee.
- Draft the Letter of Offer (LO) for issuance to the Sales & Marketing Team (SMT).
- Liaise with the Sales & Marketing Team (SMT) to ensure complete and accurate documentation is submitted.
- Review submissions to ensure they align with the Bank’s risk appetite and support the acquisition of quality customers.
- Ensure all processes comply with internal turnaround times (TAT) and service standards.
- Ensure strict adherence to internal policies/guidelines and external regulatory requirements.
- Maintain and update proper records daily for all assigned accounts and proposals to ensure effective tracking and monitoring.
- Collaborate with various units within the division and across headquarters to resolve issues and provide support as needed.
- Perform any other duties, assignments, or responsibilities as directed by the superior in line with evolving business needs.

**Job Requirements**
- Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field.
- Minimum 2-5 years of relevant experience in credit evaluation, financing processing, or corporate/commercial banking.
- Strong analytical and credit risk assessment skills.
- Familiarity with SJPP and other government guarantee schemes is an added advantage.
- Good understanding of financial statements and business operations.
- Excellent written and verbal communication skills.
- High attention to detail with strong organizational and time-management abilities.
- Ability to work independently and collaboratively across teams.
- Knowledge of internal credit systems and regulatory requirements will be an advantage.

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