Job Responsibility Conduct thorough credit analysis of car loan applications, evaluating applicants' financial status, credit history, and repayment capacity to determine creditworthiness. Assess risk associated with loan applications, considering factors such as loan-to-value ratio, debt-to-income ratio, and collateral valuation, to mitigate potential losses. Process car loan applications efficiently, ensuring all required documentation is complete and accurate, and adhering to established lending policies and procedures. Structure hire purchase agreements in compliance with regulatory requirements and internal guidelines, ensuring clear terms and conditions for both the company and the customer. Analyze financial statements, including income statements, balance sheets, and cash flow statements, to assess the financial health and stability of loan applicants. Maintain up-to-date knowledge of regulatory compliance requirements related to car loans and hire purchase agreements, ensuring adherence to legal and ethical standards. Provide excellent customer service to loan applicants, addressing inquiries, resolving issues, and guiding them through the loan application process. Collaborate with sales teams to facilitate loan approvals and achieve sales targets, while maintaining sound credit risk management practices. Job Requirements Possess a Diploma in Finance, Business Administration, or a related field. Minimum of 2 years of experience in credit analysis, specifically within the hire purchase or car loan sector. Proficient in conducting thorough credit assessments, analyzing financial statements, and evaluating risk factors associated with loan applications. In-depth knowledge of hire purchase agreements, loan processing procedures, and regulatory compliance requirements within the Malaysian automotive finance industry. Strong understanding of risk assessment methodologies and the ability to identify and mitigate potential credit risks. Excellent customer service skills with the ability to effectively communicate with customers and address their inquiries regarding car loan applications. Demonstrated ability to achieve sales targets and contribute to the growth of the car loan portfolio. Fluency in both English and Bahasa Malaysia is essential to effectively communicate with a diverse customer base and internal stakeholders. Job Benefits Annual Leave EPF Health Insurance Medical Leave SOCSO Show more Show less