Credit Associate (Contract 1 Year)

As a Credit Associate at Funding Societies | Modalku, your primary responsibilities include analyzing and interpreting client credit data, completing financing application forms, and ensuring adherence to credit and business operational processes. You'll engage with financial reports of SMEs, making recommendations for credit approvals, and tackling various administrative duties as needed.

The Credit Associate role at Funding Societies | Modalku is ideal for candidates with at least an STPM or a Diploma in Accounting or Economics. Additionally, strong analytical skills, attention to detail, and good communication abilities in English and Bahasa Malaysia are crucial for success in this role.

At Funding Societies | Modalku, continuous learning is a priority. Credit Associates have access to curated learning programs through our internal platform, ensuring that you remain at the cutting edge of the finance industry and can enhance your skills to grow within the company.

Credit Associates at Funding Societies | Modalku enjoy a range of benefits including flexible paid vacations, health insurance for themselves and their dependents, wellness programs, and the provision of a company laptop. We prioritize a healthy work-life balance and our employees' overall well-being.

At Funding Societies | Modalku, you can expect a supportive and flexible work environment that values teamwork and collaboration. We believe in giving our employees the autonomy to work in a way that suits their individual lifestyle while also providing continuous support to ensure your success.

When analyzing financial statements, start with understanding the overall financial health of the company by assessing profitability, liquidity, and solvency ratios. Discuss how you ensure comprehensive reviews and how you validate the data for accuracy before presenting your findings.

Share a specific instance where a deadline was critical, illustrating your time management skills. Highlight how you prioritized tasks, maintained your focus, and ultimately delivered quality results, reflecting your target-oriented mindset.

Discuss the importance of tools such as Excel for data management and analysis. Share any specific techniques you employ, like using formulas for calculations or creating checks and balances to verify data accuracy, showcasing your attention to detail.

Explain your analytical process when reviewing credit applications, including identifying key financial metrics, assessing risk factors, and how you tailor recommendations to align with both the company’s and the client's needs.

Highlight your interpersonal communication skills, emphasizing the importance of active listening, clear and concise messaging, and adaptability based on the audience to ensure understanding, which fosters productive relationships.

Emphasize your organizational skills and techniques you use for prioritizing tasks. Discuss how you remain flexible, reassess priorities based on urgency, and communicate proactively with stakeholders to manage expectations.

Share your belief in collaborative effort and how pooling diverse skills and perspectives leads to better outcomes in credit assessments. Provide examples of successful teamwork in your past experiences and how it contributed to achieving goals.

Discuss your proactive approach to professional development, such as attending workshops, industry events, or gaining insights from reputable financial publications to ensure your knowledge stays current and compliant with regulations.

Express your enthusiasm for making a tangible impact in the SME sector through ethical lending practices and your alignment with the company's core values. Share how your skills and experiences are a perfect fit for this role and the organization.

Share specific examples of how you’ve utilized Excel for financial analysis tasks, such as creating financial models, conducting calculations, or analyzing data patterns. Highlight your proficiency with formulas and pivot tables as valuable resources in your analytical toolkit.