About this role
Create the future with Affin! You too can make a difference.
We continuously innovate to transform our financial services landscape - making banking better and easier. Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. You too can make a difference.
JOB PURPOSE To evaluate credit applications for SME and Commercial clients, including new, renewal, and enhancement requests. JOB ACCOUNTABILITIES
• Evaluate credit applications for SME and Commercial clients, including new, renewal, and enhancement requests. • Conduct detailed financial analysis on audited financial statements, management accounts, and cash flow projections. • Assess creditworthiness based on business model sustainability, industry risks, repayment capability, and collateral adequacy. • Prepare credit proposals and Memorandum of Approv • al (MA) for submission to the Credit Committee. • Ensure adherence to internal credit policies, regulatory guidelines, and risk management frameworks. • Collaborate with Relationship Managers to understand business operations and structure appropriate financing solutions. • JOB REQUIREMENTS
• Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, or a related discipline.
• Professional certifications such as CFA, ACCA, CPA, or equivalent will be an added advantage.
• Minimum 2–5 years of relevant experience in credit analysis, credit assessment, or risk management within banking or financial services.
• Prior exposure to SME and/or Commercial Banking portfolios is preferred.
• Strong proficiency in financial analysis, including interpretation of audited financial statements, management accounts, and cash flow projections.
• Sound understanding of credit risk assessment, including evaluation of repayment capacity, industry risk, and collateral structures.
• Familiarity with Bank Negara Malaysia (BNM) regulations, internal credit policies, and risk management frameworks.
• Ability to prepare clear, structured, and concise credit papers (e.g., Memorandum of Approval).