About the Role: In this role, you will be directly responsible for ensuring that all applications received from the Sales and Business Development team are properly filtered through an ever-sophisticated credit scoring system, keeping in line with CapBay’s mission to provide smart and inclusive financing to SMEs whilst maintaining investors’ trust in us. Roles/Responsibilities: In this role, you will be expected to: -Provide credit evaluation on financing applications submitted by Business Units covering risk assessment,review appropriate facility structuring, and etc. This includes completion of credit papers / memos / term sheets for submission to relevant approving authority / Credit Committee for decision. -Provide financial projections or sensitivity analysis for credit evaluation where necessary. -Interview clients with Relationship Managers on site-visits if required. -Perform independent post-approval reviews on credit accounts. -Monitor loan portfolio repayments as well as conduct periodic credit review on accounts. -Assess and ensure overall good health of the department's credit portfolio. -Prepare ad-hoc reports and statistics. -Involve in managing the efficacy of credit policies, guidelines and procedures. -Participate / attend credit-related business development meetings with external parties. [Apply now at https://my.hiredly.com/jobs/jobs-malaysia-capbay-job-credit-analyst-0] ; Requirements:- Requirements: We are looking for someone with: -Minimum 1-3 years of experience in Retail Business / SME credit analysis OR SME/Biz banking sales-relationship management experience -Minimum a recognised Bachelor’s degree in Finance/Accounting, Business Administration or related field. -Equipped professional experience in Finance or Credit Analysis and/or with qualification in Credit Certified Professional (CCP)/ Professional Credit Certification -CCE/BCP from AICB /Omega CSA will be an added advantage. -Strong analytical skills with a good grasp of financial analysis and cash flow projections. -Must have sound knowledge of credit products, credit policy and procedures and regulatory requirements. -Constantly updated to latest financial, banking, compliance, economic-related news/issues. -Good interpersonal and writing skills with fluency in English and comprehension in Bahasa Malaysia. -Proficiency in Microsoft Excel; expertise in PowerQuery and PowerPivot and/or knowledge of VBA for Excel and/or JavaScript scripting will be an added advantage.