MANAGER/ASSISTANT MANAGER - CREDIT ANALYST

POSITION SUMMARY

As the Head of Credit Analysis for the Financial Services Division of the Group, you will play a vital role in steering our company's success by overseeing the credit assessment process. Your focus will be on aligning our credit policies with risk tolerance and regulations, leading a team of analysts to deliver accurate and timely credit evaluations. Your expertise will be crucial in evaluating potential clients' creditworthiness, making informed decisions on credit facilities, and managing the overall credit risk exposure in our portfolio. Your leadership will not only safeguard our financial interests but also reinforce our reputation as a trusted and reliable provider of credit services, fostering continued growth and prosperity. The Group primarily operates its Financial Services business through its fully owned subsidiaries – Maax Factor Sdn Bhd (Maax) and MAA Credit Berhad (MAAC). Maax’s business is invoice financing or factoring for SMEs and MAAC provides various forms of funding from short term to long term loans.

ESSENTIAL FUNCTIONS

• Manage a portfolio of clients (current and prospective) which include evaluating the financial status of potential clients, monitoring existing clients, performing risk assessments, writing detailed reports, and making informed decisions.
• Support the sales team in preparing pre-deal assessments and/or clearances and preparing and submitting credit applications.
• Responsibilities include business and industry analysis, financial modelling and projections, scoring, continuous monitoring and escalation of credit-material events, etc. Ensuring credit underwriting meets and complies with all regulatory and internal policies and standards.
• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Undertake periodic reviews on clients portfolio as assigned.
• Support continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
• Coordinates and tracks the progress of all the accounts assigned, which includes the issuance of security documentation for client execution post approval, compliance with approved conditions and covenants , etc.
• Supervises and train subordinates.
• To execute any other duties as and when required by Management or immediate superior.