Why Choose JCL? We provide:-

JOB DESCRIPTION:

Review loan applications and assess applicants' creditworthiness based on established criteria and risk assessment models.
Analyze financial statements, credit reports, and other relevant documents to evaluate applicants' income, assets, liabilities, and payment history.
Reviewing credit risk for new application and existing customers by carrying out credit worthless checks and make credit limit recommendations, evaluate and mitigate credit risks.
Calculate debt-to-income ratios, credit scores, and other key metrics to gauge borrowers' ability to repay loans.
Make evaluation on all information that customer given, ensure all data is accurate & follow the guideline.
Make informed recommendations regarding loan approvals, rejections, or modifications based on the results of credit analysis and risk assessment.
Ensure that decisions are consistent with established credit policies, lending guidelines, and regulatory requirements.
Foster collaborative relationships with internal sales team to streamline the loan approval process and enhance overall efficiency.
Conduct periodic credit evaluation and meeting with sales team on existing customers, formulates and implement credit control procedures.
Responsible for minimizing defaults and bad debts of ongoing loans
Performs other duties as assigned

JOB REQUIREMENT:

Candidate must possess at least a Diploma in Finance, Accounting, Banking or equivalent
At least 1 years of relevant working experience and preferably in the credit evaluation experiences
Required Language(s): Bahasa Malaysia & English
Fresh Graduates are encouraged to apply
Able to work immediately

JCL Credit Leasing Sdn. Bhd.