Business Credit Specialist

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.Evaluate credit applications for SME/Commercial clients, including new, renewal, and enhancement requests.Perform financial analysis on audited accounts, management reports, and cash flow projections.Assess creditworthiness by analyzing business models, industry risks, repayment capacity, and collateral adequacy.Prepare credit proposals and Memorandum of Approval (MA) for submission to Credit Committee.Ensure compliance with internal credit policies, regulatory guidelines, and risk management frameworks.Engage with Relationship Managers to clarify business background and structure appropriate financing solutions.