Credit Risk Analyst - Start Now

• Evaluate credit applications, approve them that are within delegated authority and recommend them to higher approval parties for applications exceeding delegated authority
• Ability to understand financial statement, perform financial spreading and interpret financial ratio
• Prepare a credit write up for large ticket customers that exceed retail threshold
• Ensure large ticket customers are reviewed in timely manner
• Manage the entire approval process for large ticket customers
• Communicate with Sales on conditioned credit applications, outstanding issues (if any) and to provide guidance on credit application (if required)
• Ensure credit applications are in compliance with internal and external policies
• Perform data sampling check on credit applications
• Joint site visit with sales colleagues (if required)
• Ensure sound credit approvals for both retail and large ticket customers through quality credit assessment.
• Support to review and update business processes and policies relating to Credit and Risk
• Support to monitor portfolio quality through early identification of potential problem accounts
• Ad-hoc duties assigned by Credit & Risk Manager / Head of Credit & Risk

Job requirement

• Minimum 3 years working experience in Credit and Risk function, with preference given to financial institutions and automotive industry
• Good written and verbal communication skills in English
• Meticulous, strong analytical skills and problem-solving skills
• Team player with positive learning attitude, able to work independently, able to multitask and manage time effectively.