Life On The Job: Analyst, Fixed Income – Credit Research

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gradmalaysia_Image_Tengku Yusnie CIMB_2017
Tengku Yusnie Binti Tengku Yunus Kamaruddin
Analyst, Fixed Income – Credit Research
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Tengku Yusnie, Analyst, Fixed Income – Credit Research at CIMB tells gradmalaysia.com readers what it's like to be in her shoes!

What did you do at university? 

I read accounting and finance as my undergraduate degree because I wanted to pursue a course that was more analytical and quantitative-based. I knew that having a good background in accounting would be very useful, especially when considering a career in finance in the future. Upon graduating in 2010, I had applied to pursue a Master’s degree whilst waiting for a job offer to arise.

Why did you choose a career in your field? 

I wanted to start a career in research as I enjoy carrying out analytical work. I believe that being an analyst would help me enhance my analytical skills as it would require me to consider all possible angles of a problem before arriving to a recommendation. I believe that working for an established organisation like CIMB would provide me with good career progression, as well as a good foundation to build and develop my skills.

What do you do in your job? 

I am Credit Analyst for the Fixed Income research team. I am responsible for carrying out periodic reviews as well as monitoring on the companies under my coverage daily. It is critical for us to be constantly up-to-date with current news as we will have to update the fund managers and the research team, should there be any developments that may have a material impact on investment decisions.

What do you like most about your job? 

I appreciate how everyone in the department is extremely friendly and always willing to lend a hand. I find that enjoying working with your colleagues is crucial in creating a conducive work environment. Besides this, I am grateful for the opportunity to travel for company site visits and conferences, both locally and abroad.

What skills do you consider to be essential for your job? 

Being analytical and comfortable with numbers (especially when analysing companies’ financial statements), general awareness of current issues, and having an inquisitive nature are good skills to have. You have to love to read – this is one of the most basic and important aspects of my job. Networking is also very important as we always meet new people on the job. Most of these skills were developed whilst working.

What are your future plans?

I wish I can say something specific, but who knows what will happen in three years? So, I will stick to being well, successful and happy for now.

What is your advice to graduates?

Most people do not know what they want to do when they are in university, and working is almost the same as being in university. You will find yourself lost on your first day but you will eventually find your ground as you learn on the job. My advice to jobseekers is to ace your first impression with your potential employer, be it in person or in writing.