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Credit Analyst

Finance

Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with credit information for use in decisionmaking.

FinanceAccounting

Picture the job

Where you'd usually workA finance or banking office

  • Mostly indoors
  • Sitting for most of the day
  • Rarely dealing with the public
  • Regular working hours

An illustration of a typical workplace, not a photo. The work-style notes come from US O*NET data, so read them as a guide.

Pay in Malaysia

We don't have a sourced Malaysian salary range for this job yet, and we'd rather show nothing than a number we can't stand behind.

Where to check:

  • JobStreet and Hiredly job ads for this title
  • DOSM Salaries & Wages Survey
  • SSPA scheme tables, if you're aiming for a government post
See pay for a related career: Accountant

How far is this from you?

Roughly how much preparation this job usually takes. In Malaysia your UPU route and the programme's syarat still decide entry, so treat this as a guide, not a gate.

  1. 1

    Entry straight after SPM

  2. 2

    SPM + sijil / short TVET course

  3. 3

    Diploma / TVET (sijil–diploma)

  4. Typical entry

    Degree (ijazah sarjana muda)

  5. 5

    Postgrad (sarjana / PhD) or professional route

Typical educationBachelor's degree
The full route to this careerThe steps from school, UPU programmes and sourced costs, read against your answers.

How to get here

Post-SPM pathways with programmes in this career's fields. Tap one to see real programmes and entry requirements.

Matriculation

One or two years, heavily subsidised with allowance. Competitive, quota-based entry.

12–24 months

Diploma

Skill-first qualification. Work after, or enter degree Year 2. Polytechnics keep it affordable.

2.5–3 years
Compare routes against your results and interests

Programmes that lead here

Programmes from the official UPU (KPT) and MQA catalogues whose field of study typically leads to this career. Matched by field, not a job guarantee.

Private institutions (MQA-accredited)

Search the programme catalogue

Check what you may qualify for

Enter your SPM grades and see which routes and programmes you may qualify for. An estimate to plan with, not an offer.

Check my eligibility Not sure yet? Take the quiz

Quick answers

How do you become a Credit Analyst in Malaysia?

Routes after SPM that lead here include Matriculation and Diploma.

What should I study to become a Credit Analyst?

Related fields of study: Finance and Accounting. SPM subjects that help most: Principles of Accounting, Economics, Additional Mathematics and Mathematics.

How much does a Credit Analyst earn in Malaysia?

We don't yet have a Malaysian source we can cite for Credit Analyst pay, so we show no figure.

What you'd do all day

The tasks that matter most in this job, most important first.

  1. 1Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
  2. 2Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
  3. 3Prepare reports that include the degree of risk involved in extending credit or lending money.
  4. 4Generate financial ratios, using computer programs, to evaluate customers' financial status.
  5. 5Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
  6. 6Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
  7. 7Contact customers to collect payments on delinquent accounts.
  8. 8Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.
  9. 9Review individual or commercial customer files to identify and select delinquent accounts for collection.
  10. 10Confer with credit association and other business representatives to exchange credit information.
  11. 11Consult with customers to resolve complaints and verify financial and credit transactions.

Also known as

What this job is called on JobStreet, LinkedIn and in job ads. Search these too.

  • Factorer
  • Credit Analyst
  • Credit Manager
  • Credit Officer
  • Credit Analysts
  • Credit Negotiator
  • Credit Specialist
  • Credit Coordinator
  • Credit Risk Analyst
  • Credit Risk Manager

Subjects that matter here

The SPM subjects worth your effort for this career, with the reason for each.

Principles of AccountingDraws directly on Economics and Accounting — a top knowledge area for this role (O*NET).
EconomicsDraws directly on Economics and Accounting — a top knowledge area for this role (O*NET).
Additional MathematicsDraws directly on Mathematics — a top knowledge area for this role (O*NET).
MathematicsDraws directly on Mathematics — a top knowledge area for this role (O*NET).
EnglishDraws directly on English Language — a top knowledge area for this role (O*NET).

What you'd need to know

The subject areas this job leans on most, and the SPM subjects that build them.

  • Economics and Accounting90%

    Principles of AccountingEconomics

  • Mathematics78%

    Additional MathematicsMathematics

  • English Language78%

    English

  • Law and Government66%

    History (Sejarah)

  • Administrative60%

    Business

  • Computers and Electronics57%

    Computer Science / ICTElectrical & Electronic Eng. Studies

Tools you'd use

Software and equipment that show up in this job, worth learning early.

Where to learn these, free

Scholarships & funding

What the work feels like

Day-to-day working conditions, so you can tell whether the job suits how you like to work.

  • Face-to-face discussionsEvery day
  • Contact with other peopleContact most of the time
  • Dealing with customers or the publicA little
  • Leading or coordinating othersA little
  • Handling conflict situationsRarely
  • Indoors, air-conditionedEvery day
  • Outdoors, in all weatherAlmost never
  • Noisy environmentAlmost never

AI and demand for this job

A few real, dated data points, not a single score. AI making some tasks faster usually means a job changes, not that it disappears.

22%

Share of everyday tasks today's AI can already help with (2023)

This estimate is from 2023, already out of date, since AI moves fast. Treat it as a rough, aging starting point, not the current picture.

On Malaysia's official shortage list

TalentCorp and ILMIA's Critical Occupations List, evidence of a real hiring shortage in Malaysia right now.

Matched to a related occupation on the list, not this exact job title.

Financial Analysts · Shortage indicators met: INSUFFICIENT DATA

What beginner adverts asked for

We read 8 internship and fresh-graduate adverts in related fields (August 2026). A small sample from one job site, not every vacancy.

8 of 8 were internships

Allowance or pay, when stated

RM1,075 – RM1,465

4 of 8 adverts printed an amount: usually between RM1,075 and RM1,465 a month. Many print none.

Minimum CGPA asked

3.00 to 3.50

Stated in 2 adverts. Others did not state one.

SPM results asked

up to 5 As

1 advert asked for A grades at SPM, so some doors are partly decided before university.

Languages named

Mandarin

An empty line means the adverts did not say, not that employers have no requirement. Check each employer's own advert before you plan around it.

Related careers

If this interests you, these are worth a look too.

About this information

This describes what the job involves. Pay, demand and entry routes differ in Malaysia, so check the Pathways and Programmes pages for local requirements.

O*NET occupation: Credit Analysts

Job responsibilities, knowledge areas and work context from O*NET 30.3, US Department of Labor, used under CC BY 4.0. onetcenter.org