Credit Analyst

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Job Description

Conduct analysis/recommendation/ monitoring of new and existing credits, and to support Group Treasury’s investment activities according to desk mandates and the Bank’s risk management policies.

Key Responsibilities

▪ Conduct thorough assessment on bond/sukuk issuers and the underlying risks and mitigation, and make recommendations for new and/or existing fixed income securities

▪ Perform Know-Your-Customer (KYC) checking on bond/sukuk issuers as per policy requirements before putting up investment/credit proposals

▪ Assess investment/credit proposals within varying sectors of the corporate bond market and perform timely review and recommendations of fixed income securities for the purpose of the relevant approving authorities’ approval

▪ Assess and prepare ESG risk assessment for new and existing fixed income securities

▪ Attuned to key policies applicable for the purpose of credit assessment on new and/or existing bond/sukuk issuers and ensure compliance to all relevant internal policies and regulatory requirements at all times

▪ Keep abreast of key economic indicators, financial and bond/sukuk market performance and corporate developments to provide fundamental investment opinions and relative value assessment for bond/sukuk issuers

▪ Engage with bond/sukuk issuers, facility agents, trustee and lead arrangers on fixed income investment/credit proposals, corporate exercises and due diligence for new and existing fixed income investments

▪ Proactively identify problematic investments through monitoring of credit quality and timely impairment assessment

▪ Periodic monitoring of issuers’ compliance to covenants and news on bond/sukuk issuers to actively manage underlying credit and market risks

▪ Ensure timely monitoring and reporting functions are adhered to, where applicable

▪ Participate in investor presentations, meetings and site visits as and when required and prepare call reports when necessary

▪ Establish and maintain effective professional relationship with various internal and external stakeholders

▪ Perform ad-hoc tasks and assignments and relief duties as assigned from time to time

Job Requirements

▪ Bachelor’s degree in a relevant discipline

▪ Preferred: Professional qualification from Persatuan Pasaran Kewangan Malaysia/ Certified Credit Executive

▪ Possess a minimum of 4 years direct experience in credit, or relevant experience in banking and financial services

▪ Strong analytical and critical thinking skills

▪ Interpersonal and communication skills to engage with internal and external stakeholders

▪ Effective presentation skills

▪ Proactive and able to work independently