Brighten Business Consulting Hiring! Full Time Commercial Credit Analyst in Federal Territory, Earn up to MYR 6,000 - Ricebowl

If you’re interested on our vacancy, please apply through: *************

About Us
Brighten Business Consulting is a Hong Kong–based Employer of Record (EOR) and business outsourcing firm with offices in Malaysia, Taiwan, the UK, and Australia. With over a decade of experience in HR, marketing, and business expansion solutions, we help global companies hire, manage, and grow remote teams across the Asia Pacific region — quickly, compliantly, and efficiently.

Our Malaysia branch, established in 2018, is home to a dynamic team delivering trusted EOR and remote staffing services to clients from Hong Kong, Taiwan, Singapore, Australia, and beyond. Join us and be part of a team connecting global businesses with local talent.

About Our Client
Our client is an Australia-based Finance Broking & Advisory firm specializing in residential, commercial, and business financing solutions for self-employed borrowers and SME clients.

The company is expanding its offshore team in Malaysia to support SME and Commercial Credit Analysis operations within the Australian finance market.

Position Overview

The Commercial Credit Analyst will support the loan origination and submission process by conducting financial analysis, researching lender policies, preparing servicing assessments, and assisting with end-to-end loan processing.

This role is ideal for someone analytical, detail-oriented, and experienced in financial or credit analysis within a fast-paced environment.

Key Responsibilities

• Analysing key documents provided by the client and accountants – including financial statements, transaction statements, loan statements, tax returns, and pay slips.
• Accurately handling and transposing this data into Excel to structure the data to derive important figures and run analysis.
• To research lender policy and process to understand how the client’s circumstances and documentation will be interpreted by different banks and lenders. Importantly, these policies and processes need to be interpreted so that the data are analysed in a way that achieves the best result for the client.
• To run serviceability analysis and determine a client’s borrowing capacity. This includes conducting “scenario testing” by varying different assumptions, levers and inputs to understand what options are available to a client from most conservative to optimistic.
• To report the policy research and servicing results accurately in proprietary tools, and in written client advice to the client.
• To work with the broking team to recommend the most optimal outcome for the client whether it be based on pricing, speed, borrowing capacity, certainty or other outcomes. This includes understanding, analysing and reporting on risks of different credit outcomes.
• Preparing scenario write-ups for consideration by lender BDM’s and credit teams.

Requirements

• Bachelor’s Degree in Accounting, Finance, Business, or related field.
• Minimum 5–6 years of experience in accounting, banking, credit analysis, or financial services.
• Strong financial analysis and Excel skills.
• Excellent written and spoken English communication skills.
• Analytical, detail-oriented, and able to work independently.
• Experience in lending or commercial finance is preferred.
• Exposure to Australian lending is an advantage but not required.
• Cantonese or Mandarin speaking is a plus, but not mandatory.

Why Join:

• Work closely with an experienced Australian finance team.
• Exposure to SME and commercial lending in the Australian market.
• Career growth opportunities in a growing international business.
• Training and development provided.

Benefits:

• 5-day work week
• Hospital insurance
• Medical claim allowance
• Parking allowance
• Friendly and supportive work environment
• Free snacks & beverages
• Performance-based increment
• Year-end bonus
• Festival gifts & birthday benefits
• Convenient location near an MRT station

Office Locations: Sunway Velocity

Interested candidates, please provide your CV, current & expected salary.

Note: Only shortlisted candidates will be contacted. Thank you for your interest in joining our company.

Working hours: 9:30 AM – 6:30 PM (Sydney Time). During DST, hours will shift to 7:30 AM – 4:30 PM (MYT).

Job Type: Full-time

Pay: RM5,000.00 - RM6,000.00 per month

Work Location: In person