Credit Analyst

(To Be Based in Kuala Lumpur)

 Job Responsibilities

* Analyze and monitor risk concentration limit and the execution of a credit risk

management framework in managing and enhancing asset quality as well as to

achieve optimal loan portfolio for the Maybank Group.

* Assist in the development and review of lending directions, credit policies,

processes and procedures.

* Supporting the implementation of product sign-off process to ensure new credit

products is acceptable from a risk management point of view.

* Ensure that credit analysis is within the risk limits, risk concentrations and asset

quality to achieve optimal loan portfolio mix for the Maybank Group.

 * Facilitate in the implementation of an integrated risk-adjusted measurement framework.

 * Highlight and evaluate key/material credit issues for credit proposals (commercial

and retail) routed through Group Credit Management and provide mitigation and recommendation to enable informed decisions.

 * Assist in credit issues raised by Credit Review and prompt Credit Evaluation

Managers (CEMs) on credit policies requiring reviews and enhancing suggestions.

 * Ensure credit proposals are evaluated within the specified timeline and within the

acceptable credit standards (otherwise to mitigate) without compromising quality of loans.

 * Ensure Loan Documentation including security documentation is properly

executed and filed and to follow-up with solicitor for all outstanding security documents.

 * Ensure Loan Disbursements are made accurately, timely and upon completion of

all required documentation.

 * Ensure Loan Repayments are monitored promptly and reminders are issued timely

on any loan amount in arrears in accordance to the Bank's policies and operational procedures.

Job Requirements

-Master or Degree holder from a reputable institution of higher learning (with minimum grade of Second Class Upper,     or a CGPA score of 3.0 and above) in Finance/ Accounting/ Banking.

 -1 to 2 years of relevant Credit experience in a Financial Institution or Audit Firm will be an added advantage.

 -Able to think creatively, results-oriented, possess problem solving together with good analytical skills.

-Excellent interpersonal skills and able to interact with people at all levels.

 -Well versed in Microsoft Words, Excel and PowerPoint.