AVP - Credit Analyst, Corporate Banking

United Overseas Bank (Malaysia) Bhd; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Job summary

United Overseas Bank (Malaysia) Bhd is seeking a senior credit professional to lead end-to-end credit evaluation for Large Corporate and Multinational portfolios in Kuala Lumpur. You will conduct financial analysis, assign borrower risk ratings, and ensure adherence to credit policies and regulatory standards.

The role requires advanced analytical, communication, and stakeholder-management skills, with the ability to manage multiple priorities and meet tight deadlines.

Qualifications

• Strong analytical and financial assessment abilities.
• Experience in credit evaluation and lending decisions.
• Familiarity with regulatory credit risk requirements.

Responsibilities

• Lead end-to-end credit evaluation for Large Corporate and MNC portfolios.
• Perform detailed financial analysis and borrower risk ratings.
• Monitor portfolios, conduct due diligence, and client calls.
• Ensure compliance with internal policies and regulatory requirements.
• Support audits, reporting, and process improvement initiatives.

Skills

Analytical skills

Communication

Presentation

Stakeholder management

Detail-oriented

Education

Bachelor's degree in Business/Accounting/Finance/Economics

Job description

Company: 2201 United Overseas Bank (Malaysia) Bhd

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

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.

United Overseas Bank ("UOB") was incorporated on 6 August 1935 as the United Chinese Bank. Founded by Datuk Wee Kheng Chiang, the Bank catered mainly to the Fujian community in its early years. The change of name was effected in 1965. Over the past 76 years, UOB has grown from strength to strength. Through a series of acquisitions, it is now a leading bank in Asia. Besides Far Eastern Bank in Singapore, UOB’s major banking subsidiaries in the region are United Overseas Bank (Malaysia), United Overseas Bank (Thai), PT Bank UOB Buana and United Overseas Bank (China). Today, the UOB Group has a network of over 500 offices in 19 countries and territories in Asia Pacific, Western Europe and North America.

UOB (Malaysia) offers an extensive range of commercial and personal financial services through its branches, subsidiaries and associate companies: commercial lending, investment banking, treasury services, trade services, cash management, home loans, credit cards, wealth management, general insurance and life assurance.

United Overseas Bank ("UOB") was incorporated on 6 August 1935 as the United Chinese Bank. Founded by Datuk Wee Kheng Chiang, the Bank catered mainly to the Fujian community in its early years. The change of name was effected in 1965. Over the past 76 years, UOB has grown from strength to strength. Through a series of acquisitions, it is now a leading bank in Asia. Besides Far Eastern Bank in Singapore, UOB’s major banking subsidiaries in the region are United Overseas Bank (Malaysia), United Overseas Bank (Thai), PT Bank UOB Buana and United Overseas Bank (China). Today, the UOB Group has a network of over 500 offices in 19 countries and territories in Asia Pacific, Western Europe and North America.

UOB (Malaysia) offers an extensive range of commercial and personal financial services through its branches, subsidiaries and associate companies: commercial lending, investment banking, treasury services, trade services, cash management, home loans, credit cards, wealth management, general insurance and life assurance.

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