About This Role
Being a Credit Analyst means assessing the creditworthiness of clients by thoroughly analyzing financial data and credit reports. This role involves evaluating financial products for viability and potential risks, ensuring compliance with policies, and communicating directly with clients.
Responsibilities
- Conduct in-depth analysis of financial data and credit reports to assess the creditworthiness of potential and existing clients
- Utilize risk assessment tools and techniques to evaluate the likelihood of default and potential credit risks associated with new and existing clients
- Evaluate loan applications, credit lines, and other financial products to determine their viability and potential risks, ensuring adherence to internal policies and regulatory requirements
- Communicate with clients to collect financial information, provide guidance on credit-related matters, and discuss credit terms and conditions
- Ensure compliance with established credit policies and procedures, and recommend changes or updates when necessary to mitigate risk and improve credit decision-making
- Prepare and present detailed credit analysis reports, including financial statements, credit scoring, risk assessment summaries for management review and able to do forecasting
- Stay updated on industry trends, economic developments, and regulatory changes to assess potential impacts on credit decisions and portfolio management
- Monitor and manage the credit risk exposure of the organization's portfolio, identifying potential issues and opportunities for risk mitigation and portfolio optimization
Requirements
- Familiarity with SMEs and awareness of the latest business dynamics will be an advantage
- Strong written and interpersonal communication skills (English & Malay)
- Strong presentation skills
- Proficient skills in email, Microsoft Office Suite (Word, PowerPoint and Excel)
- Excellent time management and organizational skills
- Accuracy and attention to detail
- Able to work independently with low supervision and minimum guidance
- Knowledge of risk mitigation solutions
Nice to have:
- CRM experience is preferred