Vice President, Commercial Banking-Credit Analyst Team

UOB; Hong Kong; On-site; HKD 500,000 - 700,000; Full time

Job summary

United Overseas Bank Limited (UOB) Hong Kong is seeking a skilled Credit Analyst to conduct periodic credit reviews, prepare credit submissions, and ensure compliance with internal and external policies. You will collaborate with Relationship Managers and assist junior staff in a dynamic banking environment.

The role requires 5–6 years of credit analysis experience, strong analytical skills, and proficiency in PC applications. Mandarin and Cantonese language ability is preferred in this market.

Qualifications

• Degree in Accounting/Finance/Business Admin or relevant concentrations.
• 5–6 years credit analysis experience in commercial or corporate banking.
• Sound credit and business knowledge in commercial or corporate banking space and regulatory requirement.
• Language proficiency in English, Mandarin, Cantonese.
• Strong analytical and presentation skills.
• Self-motivated, detail-minded and customer focused.
• Time management and ability to work under pressure.
• Able to work and share with peers to achieve goals.
• Proficiency in PC applications.
• Holder of ECF on Credit Risk Management (HKIB) preferred.

Responsibilities

• Conduct periodic credit reviews for existing borrowers and prepare credit applications for new borrowers, including CAS, ES or Credit Memo, and checklists.
• Liaise with Relationship Managers to ensure compliance of credit terms and update remarks during reviews.
• Ensure compliance with internal/external policies via sanity checks.
• Follow up on post-approval credit conditions and update internal registers; raise VARs for approval.
• Prepare/co-ordinate MIS reports for management.
• Monitor litigation, excess reports, and listed company announcements to identify vulnerable accounts and minimize NPLs.
• Assist in streamlining credit workflow within Commercial Banking and related departments.
• Provide training and guidance to junior staff.
• Support Credit Analyst Team Head and assist on ad hoc projects.

Skills

Credit analysis

Regulatory knowledge

Analytical ability

Communication

MS Excel

Education

Bachelor's degree in Accounting/Finance/Business Admin

Tools

PC applications

Job description

About UOB

United Overseas Bank Limited (UOB) is a leading bank in ASEAN with a global network in Southeast Asia, Asia Pacific, Europe and North America. Operating through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia, Thailand and Vietnam, we have a global network of about 430 branches and offices in 19 markets. At the heart of UOB is our culture, shaped by the UOB Way and anchored on our four values – Honourable, Enterprising, United and Committed. For more than 90 years, these values have guided how we do right by our customers, collaborate with one another and create long-term value for the communities we operate in. As One Bank, we are committed to helping our colleagues build sustainable careers grounded in purpose, supported by strong values, and enriched with meaningful opportunities to grow.

Company: 1201 UOB Hong Kong

About UOB

United Overseas Bank Limited (UOB) is a leading bank in ASEAN with a global network in Southeast Asia, Asia Pacific, Europe and North America. Operating through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia, Thailand and Vietnam, we have a global network of about 430 branches and offices in 19 markets. At the heart of UOB is our culture, shaped by the UOB Way and anchored on our four values – Honourable, Enterprising, United and Committed. For more than 90 years, these values have guided how we do right by our customers, collaborate with one another and create long-term value for the communities we operate in. As One Bank, we are committed to helping our colleagues build sustainable careers grounded in purpose, supported by strong values, and enriched with meaningful opportunities to grow.

Job Description

• Conduct periodic credit reviews for existing borrowers and prepare credit applications for new borrowers, which involved the preparation of credit submission package comprising mainly Credit Application Summary (“CAS”), Executive Summary (“ES”) or Credit Memo, Credit and Compliance checklists.
• Liaise with Relationship Managers to check on compliance of terms and conditions imposed on the credit facilities and update of applicable remarks during periodic credit reviews.
• Ensure compliance of all internal / external policies / guidelines via sanity checks.
• Follow-up on post approval credit conditions with update to internal register for monitoring purposes. Required Variation of Terms (“VAR”) credit requests to formalise these conditions are to be raised and submitted for approval.
• Prepare / co-ordinate necessary MIS report for the management.
• Perform monitoring tasks such as litigation suits, excess reports, listed companies’ announcements, etc so as to identify any vulnerable accounts and take prompt actions to minimize potential NPLs.
• Assist in streamline credit workflow processes within Commercial Banking and other related departments.
• Provide training and guidance to junior staff.
• Support Credit Analyst Team Head and assist in ad hoc projects, where applicable.

Job Requirements

• Degree in Accounting/Finance/Business Admin or relevant concentrations.
• At least 5 -6 years credit analysis experience in commercial or corporate banking sector.
• Sound credit and business knowledge in commercial or corporate banking space and regulatory requirement.
• Language proficiency (Written & spoken) in English I Mandarin I Cantonese.
• Strong at analytical/ logical presentations.
• Self-motivated, detail-minded and customer focused.
• Good time management & able to work under pressure.
• Able and willing to work and share with peers to achieve common key performance goals.
• Proficiency in PC applications.
• Holder of ECF on Credit Risk Management (CRM) accredited byThe Hong Kong Institute of Bankers (HKIB)is preferred

Additional Requirements

Develop, Engage, Execute, Strategise

Be a Part of the UOB Family

UOB is an equal opportunity employer. UOB does not discriminate on the basis of a candidate's age, race, gender, color, religion, sexual orientation, physical or mental disability, or other non-merit factors. All employment decisions at UOB are based on business needs, job requirements and qualifications. If you require any assistance or accommodations to be made for the recruitment process, please inform us when you submit your online application.