Credit Risk Analyst (Executive / Senior Executive)

Overview

To review financing applications from the Business Division and conduct risk assessments to determine the suitability of credit risks for approval on financing and equity investment.

To regulate review of Pernas’s overall risk assessment processes for the Board and / or Management Committee’s decision making, that both qualitative and quantitative metrics / credit parameters are applied / used.

To review risk assessment function in a professional manner.

To comply with Pernas’s internal / external guidelines and procedures for all products.

To safeguard the confidentiality, integrity and availability of all information is protected.

To review and assist the identification of credit / operational / shariah risks regarding the existing / new products, servic, and activities.

To assist and formulate the Pernas’s Risk Policies inclusive of setting up Risk Appetite and Risk Tolerances.

To facilitate the development and enhancement of credit risk policies, standard procedures and guidelines for risk assessment judgment.

To analyse and review the best practices and to propose (any) new methods and procedures (such as administrative and other procedures).

To implement and oversees strategies and infrastructure for the identification, assessment, management, and control of risk across Pernas.

Responsibilities

• To review financing applications from the Business Division and conduct risk assessments to determine the suitability of credit risks for approval on financing and equity investment.
• To regulate review of Pernas’s risk assessment processes for the Board and / or Management Committee’s decision making, ensuring qualitative and quantitative metrics are applied / used.
• To review risk assessment function in a professional manner.
• To comply with Pernas’s internal / external guidelines and procedures for all products.
• To safeguard the confidentiality, integrity and availability of all information.
• To review and assist the identification of credit / operational / shariah risks regarding existing / new products, services, and activities.
• To assist and formulate Pernas’s Risk Policies including setting up Risk Appetite and Risk Tolerances.
• To facilitate the development and enhancement of credit risk policies, standard procedures and guidelines for risk assessment judgment.
• To analyse and review best practices and propose new methods and procedures (such as administrative and other procedures).
• To implement and oversee strategies and infrastructure for the identification, assessment, management, and control of risk across Pernas.

Qualifications

About Pernas

Perbadanan Nasional Berhad (Pernas) is an agency owned by the Ministry of Finance Incorporated (MOF Inc.) with the mandate to lead the development of Malaysia’s franchise industry. Pernas is given the mandate by the government to develop the franchise industry while increasing the number of franchise entrepreneurs through its expertise in providing quality service and products. Pernas also provides guidance and special schemes for franchisors and franchisees and welcomes franchise partners to Malaysia. Pernas Investment Division plays an important role to ensure Pernas\' financial sustainability in the long term.

Based at the Menara Pernas, Bangsar South City, Pernas also has five corridor offices which are the Pernas Eastern Regional Office, Pernas Northern Regional Office, Pernas Southern Regional Office, Pernas Sabah Regional Office, and Pernas Sarawak Regional Office which are ready to carry out their duty in producing more franchisors and franchisees of international level.

PERBADANAN NASIONAL BERHAD, is the lead agency entrusted by the government to promote the development of franchise industry in the country. In line with our future plans, we invite highly dedicated and motivated individuals to fill the following position.

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