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Credit Analyst

RM 500 - RM 500 / month

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About 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:

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 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.