Business Credit Specialist

****Create your future with Affin! ​​You too can make a difference.**** ======================================================================= Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. Here, you don’t just stay at the forefront of the industry – you can make a difference too. Job Summary: ------------ Responsible for assessing SME and Commercial financing applications, identifying key credit risks, and recommending prudent credit decisions to support sustainable business growth and asset quality management. **Job Accountabilities:** ------------------------- **Credit Evaluation & Risk Assessment**  * Conduct independent and objective credit assessments of SME and Commercial credit applications, including new, renewal, enhancement, and review requests.  * Evaluate borrowers' business models, financial performance, repayment capacity, industry outlook, management capability, and key risk factors.  * Perform comprehensive credit due diligence, identify emerging risks, recommend appropriate mitigants, and formulate balanced credit recommendations for approval authorities.  * Assess credit structures, financing terms, collateral coverage, covenant packages, and security arrangements to ensure prudent risk management.  **Portfolio Monitoring & Asset Quality Management**  * Monitor assigned credit portfolio to identify early warning signals, deterioration in credit quality, industry vulnerabilities, and emerging risks.  * Recommend timely remedial actions and risk mitigation measures to preserve asset quality and minimize potential credit losses.  * Support periodic portfolio reviews, risk assessments, and regulatory reporting requirements where applicable.  **Business Advisory & Stakeholder Engagement**  * Partner closely with Business Units to develop sound financing structures and commercially viable solutions that align with the Bank's risk appetite.  * Provide independent credit perspectives and constructive challenges to strengthen financing proposals and credit submissions.  * Ensure timely turnaround of credit evaluations and responses to internal stakeholders while maintaining quality and consistency of assessment.  **Policy, Governance & Compliance**  * Ensure all credit evaluations comply with the Bank's credit policies, risk framework, delegated authority limits, regulatory requirements, and applicable guidelines.  * Maintain a balanced approach between business growth, risk management, profitability, and asset quality objectives.  * Contribute to continuous enhancement of credit processes, evaluation standards, and risk management infrastructure.  Job Requirement: ---------------- * Bachelor's Degree in any discipline. Those with CCP/PCP are an added advantage.  * Minimum 5 years in credit processing, analysis and evaluation or exposure in sales marketing of SME/commercial loans**.** * Capable of working independently with minimum supervision, possess strong credit analytical skills and able to work under tight deadlines. * Good written and communication skills.  * Strong knowledge of credit risk assessment, financial analysis, loan structuring, and risk mitigation techniques.