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).