Credit Analyst [SmartHire]

Responsibilities :

• Review and assess hire purchase loan and floor stock applications by analyzing applicant’s financial statements (P&L, balance sheet, cash flow), credit reports, income documents, and other supporting data
• Recommend applications based on established credit policies, authority limits, and risk parameters
• Evaluate the potential risks associated with lending, considering factors such as customer profile, loan amount, repayment capability, and historical data
• Maintain accurate records of credit assessments, decisions, and justifications in the credit evaluation system
• Work closely with Sales and Operations departments to facilitate loan processing and resolve queries or discrepancies
• Conduct Know Your Customer (KYC) reviews for individual and corporate applicants, ensuring complete and accurate documentation.
• Perform Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) where applicable, in line with internal policies and regulatory requirements.
• Work closely with compliance team to identify and report any suspicious activities or red flags.
• Maintain accurate records and ensure timely refresh of KYC documentation.
• Any other duties assigned on ad-hoc basis

Qualifications & Skills :

Job Information

Job Location :   Shah Alam Selangor MY

Role Type :   New Role

Number of People Required :   1

How urgent is the Role :   Very Urgent

Work Type :   Full Time

Pay Range :   MYR 4000 - 5000

Work Arrangement :   5 days work week

Minimum Years of Experience :   2

Language Requirements :   English

Sub Specialization : Banking and Financial Services;Others Type of Employment : Permanent Minimum Experience : 1 Year Work Location : Selangor Salary Range : RM4000 - RM5000

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