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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
Salary undisclosed

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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
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