Credit Manager
- Full Time, onsite
- BAY GROUP HOLDINGS SDN. BHD.
- expertise in PowerQuery and PowerPivot and/or knowledge VBA for Excel and/or JavaScript scripting will be an added advantage, Malaysia
Apply on
About Us:
CapBay operates an award-winning Supply Chain Finance and Peer-to-Peer (P2P) Financing platform. We facilitate inclusive 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-quality financing deals. You can find out more about us at www.capbay.com
Job Summary: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:In this role, you will be expected to:
- 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 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
Requirements:
We are looking for someone with:
- Minimum 8 years of experience in Retail Business / SME / Commercial 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 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.
- Proficiency in Microsoft Excel and Google Spreadsheet; expertise in PowerQuery and PowerPivot and/or knowledge VBA for Excel and/or JavaScript scripting will be an added advantage