AVP - Credit Analyst, Corporate Banking

United Overseas Bank; Kuala Lumpur; On-site; MYR 180,000 - 270,000; Full time

Job summary

United Overseas Bank (Malaysia) Bhd is seeking a seasoned banking professional to lead the end-to-end credit evaluation for Large Corporate and Multinational portfolios. You will conduct thorough financial analyses, assign risk ratings, and monitor ongoing credit risk while ensuring adherence to internal policies and regulatory requirements.

The role calls for strong analytical, communication, and stakeholder-management skills, with a proactive approach to risk management and process

Qualifications

• Degree in Business, Finance, Economics or related field.
• 6–8 years of experience in Large Corporate/MNC banking, credit assessment or lending.
• Strong knowledge of corporate banking products and credit risk management.

Responsibilities

• Lead end-to-end credit evaluation for Large Corporate and MNC portfolios from origination to approval.
• Conduct detailed financial analyses and assign/ review borrower and guarantor risk ratings.
• Perform portfolio monitoring and due diligence to identify emerging credit risks.
• Ensure compliance with internal credit policies, covenants, terms and regulatory requirements.
• Support audits, reporting, surveys and portfolio-related reviews with timely submissions.
• Contribute to process improvements to increase efficiency and client experience.
• Stay informed on market trends to provide insights and support stakeholder engagement.

Skills

Analytical skills

Communication skills

Stakeholder management

Attention to detail

Independent worker

Education

Bachelor's degree in Business/Finance/Economics

Job description

Company: 2201 United Overseas Bank (Malaysia) Bhd

Job Description

• Lead the end-to-end credit evaluation process for Large Corporate and Multinational Corporate portfolios, including annual reviews, incremental facilities, and new-to-bank credit proposals, from origination through to credit approval.

• Conduct detailed financial analysis and credit assessments, including the assignment and review of borrower and corporate guarantor risk ratings, to support sound credit recommendations.

• Perform ongoing portfolio monitoring and due diligence to identify, assess, elevate, and manage emerging credit risks, including conducting joint client calls and site visits with Coverage teams where required.

• Ensure compliance with internal credit policies, approved covenants, terms and conditions, operational procedures, and regulatory requirements across the portfolio.

• Support and participate in internal, external, and regulatory audits, reporting requirements, surveys, and other portfolio-related reviews, ensuring timely and accurate submissions.

• Contribute to projects and process improvement initiatives aimed at enhancing operational efficiency, service excellence, and client experience.

• Stay abreast of market developments, industry trends, economic outlooks, and best practices to provide informed insights and support effective stakeholder engagement.

Job Requirements

• Degree in Business, Accounting, Finance, Economics, or a related field.

• At least 6-8 years of experience in Large Corporate/MNC banking, credit assessment, or lending.

• Strong knowledge of corporate banking products, including Trade, Cash Management, Lending, Treasury, and Islamic Banking solutions.

• Proven experience in credit analysis, financial assessment, and credit approval processes.

• Good understanding of regulatory requirements and corporate credit risk management frameworks.

• Strong analytical, communication, presentation, and stakeholder management skills.

• Detail-oriented with the ability to identify risks and make sound recommendations.

• Able to work independently, manage multiple priorities, and meet tight deadlines.

Additional Requirements

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.