Full Time Account Relationship-Credit Analyst (Executive) - Kota Kinabalu, Sabah Jobs, in PNS ASQ Asia Sabah - Maukerja

A. JOB SUMMARY

• Manage the end-to-end franchise financing process within the assigned corridor, encompassing both business origination (lead generation, entrepreneur development) and credit evaluation (proposal preparation, risk analysis, and recommendation).
• Source, identify, and engage potential franchisees, franchisors, and entrepreneurs to build a healthy financing pipeline in line with PERNAS’ strategic growth targets.
• Conduct financial assessment and viability studies on applicants, ensuring accuracy, compliance, and sound credit justification prior to submission for approval.
• Follow up on financing supporting documents to facilitate approval and disbursement.
• Conduct timely annual credit reviews to assess financial performance, ensure compliance with credit policies, and mitigate risks while identifying potential business opportunities.
• Maintain strong relationships with franchisors, entrepreneurs, government agencies, and local business associations to promote PERNAS’ financing schemes and development programs.
• Ensure effective coordination between business origination and credit processing functions to achieve corridor-level financing, disbursement, and portfolio quality KPIs.
• Provide regional market insights, identify emerging franchise opportunities, and assist in the development of entrepreneurs through advisory, training participation, and local business engagement.
• Represent PERNAS in regional franchise exhibitions, roadshows, and programs to enhance brand presence and support national franchise development.
• Assist the Head of Corridors in preparing corridor performance reports, pipeline tracking, and compliance with operational standards.

B. KEY RESPONSIBLITIES

• ADMINISTRATION
• To record and maintain all lead, customer, and financing data in the CRM / S3P systems for monitoring, reporting, and audit purposes.
• To insert applicants’ information (CIF) in E2E-Origination Module and Evaluation Module and financing details into S3P upon completion of documents.
• To insert applicants’ information and financing details into S3P system for recording and drawdown purpose.
• To submit weekly and monthly corridor activity reports summarizing business leads, meetings, proposals submitted and approved/disbursed facilities.
• To ensure proper filing and documentation of all evaluated financing cases and related correspondences for audit and review.
• To assist in the preparation of regional reports and presentations for submission to the Head of Corridors and Head of Department.
• To highlight operational or financing issues encountered in the E2E-S3P system for process enhancement or guideline review.
• To assist the division or any other departments on ad-hoc basis in organizing/managing franchise-related programs/events.

2. OPERATIONAL ACTIVITIES

• To source, identify, and pre-screen potential applicants (franchisees, pre-franchisors, SMEs) eligible under PERNAS financing schemes.
• To promote PERNAS’ financing schemes, grants, and development programs through structured marketing, networking, and regional outreach.
• To conduct initial business and financial assessments to determine project viability, repayment ability, and credit soundness.
• To prepare credit proposals with supporting financial analysis, cash flow projection, and risk evaluation for submission to Head Office.
• To maintain relationships with franchisors and government agencies (e.g., KUSKOP, MFA, state agencies) to facilitate new business leads and local entrepreneur development.
• To coordinate with the Head of Corridors to ensure proposals are processed efficiently and within turnaround time (TAT).
• To issue Offer Letters to customers with financing terms and conditions as per approval.
• To perform site visits and verify business premises, financial data, and collateral information as part of due diligence.
• To monitor post-approval conditions, Offer Letter acceptance, and readiness for disbursement
• To organize or participate in regional exhibitions, business matching sessions, and training programs to enhance entrepreneur engagement and brand awareness.
• To identify local brands or business concepts with potential for franchising and refer them for development assistance under PERNAS programs.
• To support cross-selling of other PERNAS initiatives including development program, equity, property investment, and BIT programs.

3. ENTREPRENEUR AND PORTFOLIO DEVELOPMENT

• To identify and mentor potential entrepreneurs in the region to become franchisees or pre-franchisors under PERNAS programs.
• To monitor the business performance of financed entrepreneurs and highlight potential risks or underperforming outlets to the Head of Corridors.
• To facilitate field monitoring, advisory sessions, and early engagement with entrepreneurs showing early signs of difficulty.
• To collect and provide data on repayment performance, arrears, and outlet health for portfolio review purposes.
• To contribute to the formulation of corridor strategies for improving approval rates, disbursements, and portfolio quality.
• OTHERS
• To perform any other duties as directed by the Head of Corridors, Head of Department, or Management.
• To participate actively in training, exhibitions, and franchise-related events organized by PERNAS or partner agencies.
• To uphold confidentiality and compliance with all corporate and regulatory requirements.

C. ROLE REQUIREMENTS

• Bachelor’s Degree in Finance, Banking, Business Administration, Accounting, Economics or a related field.
• Relevant professional certifications in banking, finance or credit management would be an added advantage.
• Minimum 2–3 years of relevant experience in relationship management, franchise financing, credit evaluation, banking or SME financing.
• Knowledge of credit assessment, financing facilities, financial analysis and loan documentation.
• Experience in franchise financing, SME development or managing relationships with franchisees and business owners.

Benefits:

• Health insurance
• Maternity leave
• Opportunities for promotion
• Professional development

Work Location: In person