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

What you'd do all day

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

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

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
Entry straight after SPM
2
SPM + sijil / short TVET course
3
Diploma / TVET (sijil–diploma)
Typical entry
Degree (ijazah sarjana muda)
5
Postgrad (sarjana / PhD) or professional route

Typical educationBachelor's degree

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

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

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

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

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

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.

Public universities (UPU)

Private institutions (MQA-accredited)

Search the programme catalogue