Executive, Credit Risk Assessment

Your responsibilities will be: Credit Processing & Evaluation - Assist in preliminary assessment of financing applications for products such as Civil Servant personal financing, hire purchase, and credit lines. - Support verification of applicant income, credit bureau checks, and repayment analysis in compliance with institutional guidelines. - Ensure documentation completeness and accuracy before submission for approval. Operational Support & Workflow Execution - Participate in day-to-day processing of financing cases, ensuring timely updates, data entry, and transaction processing through internal systems. - Assist in agreement generation, loan documentation handling, and filing for audit and regulatory reference. - Help maintain service turnaround time in accordance with departmental KPIs. Regulatory & Compliance Adherence - Understand and apply requirements under Bank Negara Malaysia (BNM) or Consumer Credit Act (CCA) guidelines, internal policies, and relevant legislative frameworks. - Ensure accurate record keeping, data integrity, and compliance with SOPs and audit requirements. - Support quality control checks and proper documentation for regulatory readiness. Stakeholder & Customer Support - Work closely with Business Development Teams, dealers, and other departments to provide updates and resolve operational matters. - Develop professional communication and coordination skills while handling escalations under supervision. Exposure to Risk Management & Governance - Learn the fundamentals of credit risk, operational risk, and data governance within a financial institution. - Support reporting activities and internal monitoring exercises as required. Continuous Improvement & Project Involvement - Participate in workflow enhancement initiatives aimed at operational efficiency, process simplification, and customer service improvement. - Provide input for SOP updates, process mapping, and automation opportunities. Training & Professional Development - Undergo structured rotation across relevant units for holistic learning. - Attend classroom and on-the-job training covering product knowledge, systems, compliance, and industry standards. - Receive mentorship and performance coaching from supervisors. To perform other ad-hoc project and task assigned by superior from time to time. To be eligible for this role, you will require: Bachelor’s Degree or Diploma in Finance, Banking, Accounting, Business, Economics, or related fields. Fresh Graduate (Diploma/Degree) are welcome to apply.