Vice President, Credit Analyst Team, Commercial Banking

1201 UOB Hong Kong; Hong Kong; On-site; HKD 420,000 - 640,000; Full time

Job summary

1201 UOB Hong Kong is seeking an experienced Credit Analyst to conduct periodic reviews of borrowers and prepare credit submissions for new lending. You will liaise with Relationship Managers to ensure compliance with terms, perform policy sanity checks, and monitor ongoing credit conditions.

The role involves MIS reporting, NPL risk monitoring, and supporting junior staff. The ideal candidate has 5–6 years in credit analysis within commercial banking, fluent English with Mandarin and Cantonese,

Qualifications

• Degree in Accounting/Finance/Business Admin or related concentrations.
• 5–6 years credit analysis experience in commercial or corporate banking.
• Sound credit knowledge in commercial banking and regulatory requirements.
• Proficiency in English, Mandarin and Cantonese (written & spoken).
• Strong analytical and presentation skills.
• Self-motivated, detail-minded and customer-focused.

Responsibilities

• Conduct periodic credit reviews for existing borrowers and prepare credit submissions (CAS/ES/Credit Memo) for new borrowers.
• Coordinate with Relationship Managers to ensure compliance with terms and conditions and update internal remarks.
• Perform sanity checks to ensure compliance with internal/external policies/guidelines.
• Process VAR credit requests to formalise conditions and obtain approvals.
• Prepare MIS reports for management and monitoring purposes.
• Monitor litigation, excess reports and corporate 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 and support the Credit Analyst Team Head.

Skills

Credit analysis

Analytical thinking

Time management

English

Mandarin

Cantonese

Education

Degree in Accounting/Finance/Business Admin

Tools

Microsoft Excel

CRM software

Job description

Company: 1201 UOB Hong Kong About UOB United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices. Our history spans more than 80 years. Over this time, we have been guided by our values - Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long‑term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.

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 Mandarin 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 by The 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 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.

UOB is rated as one of the world's top banks, ranked 'Aa1' by Moody's Investors Service and 'AA-' by both S&P Global and Fitch Ratings. With a global network of 500 branches and offices across 19 countries in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia, Thailand and Vietnam, as well as branches and offices throughout the region.

With a global network of 500 branches and offices across 19 countries in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia, Thailand and Vietnam, as well as branches and offices throughout the region.