Credit Analyst, Islamic Banking

Education/Professional Qualifications, Skills & Experience:

• Bachelors’ Degree from a recognized University.
  
• Master’s degree in a Business-related field from a recognized University is an added advantage
  
• 5-6 years of Commercial Banking experience, of which at least 3 years of credit analysis. Have appreciation and operating knowledge of the banking industry, market, trends as well as challenges.
  
• Demonstrable cross-cultural, people and relationship management skills, networking and negotiation skills, team motivation and leadership competence.
  
• Strong analytical skills.
  
• Strong knowledge of local Islamic banking market and vision about future direction and market sensitivities.
  
• Excellent interpersonal, communication and presentation skills
  
• Some knowledge of the Bank’s lending principles, policies and procedures
  
• Ability to prioritize, meet deadlines and work under pressure.
  
• Innovative and creative - ability to think creatively and develop innovative solutions.
  
• Ability to make operational and routine decisions in a timely and effective manner.
  
• Able to withstand operational challenges and maintain momentum.
  
• Manages emotions in a mature and composed manner as expected.
  

Method of Application

• Preparing quality credit applications.
  
• Financial analysis of corporate customers using credit skills, ratio analysis; judgment of management and business strategy.
  
• Verifying that securities provided are up to standard and forwarded for approval in line with the credit policy
  
• Evaluation and understanding of risk associated with individual transactions, products and borrowers.
  
• Meeting Amanah clients when required to achieve clear understanding of their business with key focus on risk analysis.
  
• Assist Relationship Manager to monitor credit quality by highlighting early warning signs of credit deterioration.
  
• Ensure compliance with Bank’s policies and to ensure that Bank’s policy breaches are properly authorized at the correct senior approving level.
  
• Facilitate and accelerate business relationship through exceptional customer service to Amanah customers. Includes active engagement with customers from onboarding to managing Customer Retention.
  
• Back-up to RM and assist in query resolution within anticipated turnaround time with further escalation to RM where need arises.
  
• Handle customer service requirements like query resolution.
  
• Effectively convert service recovery to sales opportunities and sustain client loyalty.
  
• Together with the RM, offer a consistent yet differentiated customer experience by offering holistic needs analysis and consultation to key clients in portfolio management taking ownership of all categories of customer service matters.
  
• Gather competitive intelligence to determine what competitors are offering clients, product positioning and service offerings.
  
• Continuously track market trends and ensure up to date knowledge of market offerings to be able to provide advice on potential business threats/opportunities.
  
• Proactively manage risk and exposure for assigned portfolio continuously.
  
• Following up on due and pending facility repayments as stipulated in the credit approval and identified customer intelligence.
  
• Meeting clients’ requirements on need basis while ensuring compliance with all regulations and controls as set by the Bank and external regulatory authorities.
  
• Awareness of all the policies and procedures issued by the Bank and ensuring strict adherence.
  
• Ensure KYC and AML compliance for all borrowing customers both new to bank and existing customers.
  
• Ensure zero operational loss and effective complaint management.
  
• Ensure strict compliance and responsible for achieving and maintaining satisfactory audit rating.
  
• Identification of early warning signals for none performing accounts, tracking of early alert accounts and escalation to collections team where need arises.
  
• Any other duties as may be assigned by Management from time to time.