This job is for a Credit Analyst at CapBay. You'll evaluate financing applications, conduct post-approval reviews, and ensure the credit portfolio's health. You might like this job because it involves managing credit policies and attending business development meetings.
Salary:RM 500
Job Type:Full-Time
Posted:a few days ago
Job DescriptionAbout the Role:In this role, you will be directly responsible for ensuring that all applications received from the Sales and Business Development team are properly filtered through an ever-sophisticated credit scoring system, keeping in line with CapBay's mission to provide smart and inclusive financing to SMEs whilst maintaining investors' trust in us.
Roles/Responsibilities:Provide credit evaluation on financing applications submitted by Business Units covering risk assessment, review appropriate facility structuring, and etc. This includes completion of credit papers / memos / term sheets for submission to relevant approving authority / Credit Committee for decision.
Provide financial projections or sensitivity analysis for credit evaluation where necessary.
Interview clients with Relationship Managers on site-visits if required.
Perform independent post-approval reviews on credit accounts.
Monitor loan portfolio repayments as well as conduct periodic credit review on accounts.
Assess and ensure overall good health of the department's credit portfolio.
Prepare ad-hoc reports and statistics.
Involve in managing the efficacy of credit policies, guidelines and procedures.
Participate / attend credit-related business development meetings with external parties.
Job RequirementsRequirements:
We are looking for someone with:
Minimum 1-3 years of experience in Retail Business / SME credit analysis OR SME/Biz banking sales-relationship management experience.
Minimum a recognised Bachelor's degree in Finance/Accounting, Business Administration or related field.
Equipped professional experience in Finance or Credit Analysis and/or with qualification in Credit Certified Professional (CCP)/ Professional Credit Certification -CCE/BCP from AICB /Omega CSA will be an added advantage.
Strong analytical skills with a good grasp of financial analysis and cash flow projections.
Must have sound knowledge of credit products, credit policy & procedures and regulatory requirements.
Constantly updated to latest financial, banking, compliance, economic-related news/issues.
Good interpersonal and writing skills with fluency in English and comprehension in Bahasa Malaysia.
SkillsCommercial Banking
Credit Analysis
Credit Risk
Company BenefitsMedical Insurance:Your health is our priority - we provide medical and personal accident insurance!
Free Parking:Safe parking space provided on-site for CapBaes in Tropicana Gardens Mall itself.
Hybrid Working Arrangement:We are practicing a hybrid working style, so you don't have to worry about the traffic every day!
Staff Discount:Get staff discounts when you shop and dine at Tropicana Gardens Mall.
Employee Investment Scheme:We offer a special Employee Investment Scheme for CapBaes to start investing via our P2P platform.
Additional InfoExperience Level:1 - 3 Years of Experience
Senior Executive
Job Specialisation:General / Cost Accounting
Company ProfileCapBayCapBay operates an award-winning Supply Chain Finance and Peer-to-Peer (P2P) Financing platform. We are passionate about helping small businesses grow through our facilitation of business financing, using existing trade data and relationships.
Through our proprietary credit-decisioning model, businesses of all sizes can obtain short-term financing, while banks and investors can participate in high-value financing deals.
Our vision is to be SEA's most personalised talent ecosystem; elevating human progress by helping careers and companies grow.#J-18808-Ljbffr