Manager / Senior Manager - Credit Analyst (Financial Services)

at  MAA GROUP BERHAD

POSITION SUMMARY:

Candidate is primarily responsible for assessing and monitoring credit risks associated with the portfolio assigned and ensuring high credit quality of the portfolio for the Financial Services Division of the Group. The Group primarily operates its Financial Services business through its fully-owned subsidiaries – Maax Factor Sdn Bhd (MFSB) and MAA Credit Berhad (MAAC). MFSB’s business is trade receivable financing or factoring for SMEs and MAAC provides various forms of funding from short-term to long-term loans.

Tasks

• Manage a portfolio of clients (current and prospective)which include evaluating the financial status of potential clients, monitoring existing clients, performing risk assessments, writing detailed reports, and making informed decisions.
• Support the sales team in preparing pre-deal assessments and/or clearances and preparing and submitting credit applications.
• Responsibilities include business and industry analysis, financial modelling and projections, scoring, continuous monitoring and escalation of credit-material events, etc. Ensuring credit underwriting meets and complies with all regulatory and internal policies and standards.
• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Undertake periodic reviews on clients portfolio as assigned.
• Support continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
• Coordinates and tracks the progress of all the accounts assigned, which includes the issuance of security documentation for client execution post approval, compliance with approved conditions and covenants , etc.

Requirements

• Degree in Business, Accounting, Banking, Finance, Economics or other related disciplines.
• Candidates with Professional Credit Certification (PCC) or Certified Credit Professional (CCP) would have an added advantage.
• Minimum 5 - 10 years experience in Banking and/or other Financial Institutions. Those with experience in a Factoring Company and/or Commercial/SME Banking have an added advantage.
• Candidates with experience in an Accounting environment will also be considered.
• Sound knowledge of accounting and financial principles gained through experience or qualification.
• Strong report writing and analytical skills.
• Fluent in English & Bahasa Malaysia, both spoken and written.
• Competent computer skills with proficiency in Microsoft Office software, particularly in Word and Excel.

Benefits

• Medical Benefits
• Insurance Coverage
• Opportunity for growth

Please state your expected salary in the question below & ignore the currency

• Manage a portfolio of clients (current and prospective)which include evaluating the financial status of potential clients, monitoring existing clients, performing risk assessments, writing detailed reports, and making informed decisions.
• Support the sales team in preparing pre-deal assessments and/or clearances and preparing and submitting credit applications.
• Responsibilities include business and industry analysis, financial modelling and projections, scoring, continuous monitoring and escalation of credit-material events, etc. Ensuring credit underwriting meets and complies with all regulatory and internal policies and standards.
• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Undertake periodic reviews on clients portfolio as assigned.
• Support continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
• Coordinates and tracks the progress of all the accounts assigned, which includes the issuance of security documentation for client execution post approval, compliance with approved conditions and covenants , etc