Credit Evaluation, Risk Management

About the Role:

Ryt Bank is seeking an experienced and analytical professional to join our Credit Evaluation team. In this critical role, you will be responsible for evaluating credit proposals, assessing financial and non-financial risks, and structuring appropriate financing solutions for mid-sized corporate clients. The candidate is required to have a strong knowledge of local market dynamics and industry-specific risks.

You'll be shaping how the bank understands, manages, and mitigates risk in a rapidly evolving banking space and economic environment. This role is perfect for someone who thrives on data-driven insights, values precision, and is eager to contribute to the stability and growth of a digital-first bank.

Key Roles and Responsibilities:

• Conduct thorough credit assessments for mid and large corporate clients, including financial statement analysis, bank statement analysis, business model evaluation, and industry benchmarking.
• Prepare credit proposals ensuring alignment with internal risk appetite and regulatory guidelines.
• Present credit proposals and recommendations to Credit Committee with clear articulation of risk–return rationale,
• Support the business in structuring of financing solutions tailored to client needs, by providing analytics and insights, while aligning with the bank's risk appetite.

Industry Expertise

• Build and maintain insights across a wide range of industries, to anticipate risks and opportunities.
• Provide thought leadership and insights to further refining lending strategies for different industries

Stakeholder Engagement

• Provide insights and collaborate with Account Relationship Managers, Risk, Legal, and Compliance teams to deliver a complete and comprehensive credit assessment while ensuring the governance process is adhered to.
• Participate in credit committee discussions and support decision-making with sound rationale.

Risk Management

• Ensure compliance with Bank Negara Malaysia (BNM) guidelines, internal credit policies.
• Monitor portfolio performance and proactively identify early warning signals by identifying potential risks, stress-test assumptions, and recommend mitigation strategies.
• Contribute to the enhancement of credit models, scoring tools, and sectoral risk frameworks.
• Assist with other risk-related tasks and initiatives as assigned by the Chief Risk Officer.

Qualifications:

• Bachelor's degree in Finance, Accounting, Economics, or related discipline; professional certifications (CPA, CFA, Chartered Banker) preferred.
• Proven track record in credit underwriting, preferably in mid-market or corporate banking within Malaysia.
• Proven track record in underwriting corporate loans, particularly in working capital and project financing.
• Strong financial modelling, analysis, cash-flow lending, credit analysis, debt structuring.
• Strong exposure to multiple industries, with the ability to assess unique business and sector risks.
• Strong communication and presentation skills, with ability to influence senior stakeholders and committees.

Benefits:

• Play a pivotal role in shaping credit risk strategies at a fast-growing digital bank.
• Work with cutting-edge tools and data to drive real business impact.
• Gain exposure to innovative risk management practices in digital lending.
• Competitive compensation and opportunities for professional growth.

What We Value:

• Revolutionary in our thinking
• Innovative in our products, services, and the way we work
• Genuine in our intentions
• Honourable in our actions
• Tenacious in overcoming challenges

If you're ready to contribute to the backbone of responsible growth at Ryt Bank, we welcome you to bring your expertise and help us uphold the highest standards of credit risk management and professionalism.