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Associate, Credit Assessment & Review, SME Banking Division

Associate, Credit Assessment & Review, SME Banking Division

Bank IslamKuala Lumpur, Kuala Lumpur, Malaysia
21 hours ago
Job description

Overview

Associate, Credit Assessment & Review, SME Banking Division

Responsibilities

  • Evaluate and process new and enhancement credit applications.
  • Prepare and complete the Memorandum of Approval (MA) / Credit Proposal for submission.
  • Address and mitigate issues highlighted or raised by the Credit Management Division.
  • Present proposals and obtain approval from the relevant Financing Committee.
  • Prepare Guarantee Notification Requests for submission to SJPP to secure guarantee coverage for approved credit applications.
  • Draft the Letter of Offer (LO) for issuance to the Sales & Marketing Team (SMT).
  • Liaise with the Sales & Marketing Team (SMT) to ensure complete and accurate documentation is submitted.
  • Review submissions to ensure they align with the Bank’s risk appetite and support the acquisition of quality customers.
  • Ensure all processes comply with internal turnaround times (TAT) and service standards.
  • Ensure strict adherence to internal policies / guidelines and external regulatory requirements.
  • Maintain and update proper records daily for all assigned accounts and proposals to ensure effective tracking and monitoring.
  • Collaborate with various units within the division and across headquarters to resolve issues and provide support as needed.
  • Perform any other duties, assignments, or responsibilities as directed by the superior in line with evolving business needs.

Qualifications

  • Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field.
  • Minimum 2–5 years of relevant experience in credit evaluation, financing processing, or corporate / commercial banking.
  • Strong analytical and credit risk assessment skills.
  • Familiarity with SJPP and other government guarantee schemes is an added advantage.
  • Good understanding of financial statements and business operations.
  • Excellent written and verbal communication skills.
  • High attention to detail with strong organizational and time-management abilities.
  • Ability to work independently and collaboratively across teams.
  • Proficient in Microsoft Office applications (Excel, Word, PowerPoint).
  • Knowledge of internal credit systems and regulatory requirements will be an advantage.

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    Associate Assessment • Kuala Lumpur, Kuala Lumpur, Malaysia