AVP, Credit Review Analyst, Emerging Enterprsie

2201 United Overseas Bank (Malaysia) Bhd; Puchong; On-site; MYR 90,000 - 130,000; Full time

Job summary

2201 United Overseas Bank (Malaysia) Bhd is seeking a qualified credit analyst to perform risk-based assessments and manage complex cases in a fast-paced environment. The role involves site visits for Klang Valley borrowers, handling Special Mentioned accounts, and participating in R&R processes to support centralised review operations.

You will work closely with Credit, Middle Office and CAC teams to ensure policy alignment and timely resolutions while building strong stakeholder relationships.

Qualifications

• Familiar with credit policies and underwriting standards.
• Strong financial analysis and risk assessment capabilities.
• Experience collaborating with multiple stakeholders in a banking environment.

Responsibilities

• Conduct credit assessment on borrowers based on triggers and policies.
• Visit sites for borrowers located in Klang Valley and review SM accounts.
• Handle reschedule & restructuring cases and support stress tests.
• Collaborate with Credit, Middle Office and other teams to improve processes.
• Provide guidance to RMT Team on credit analysis and compliance.

Skills

Credit analysis

Financial modelling

Stakeholder management

Risk assessment

Education

Bachelor's degree in Finance/Accounting

Job description

Company: 2201 United Overseas Bank (Malaysia) Bhd

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.

RESPONSIBILITIES – INDIVIDUAL STRATEGY

• Conduct credit assessment on borrower per triggering event based on RMT Framework triggers, ie. EWS/ Core/ Pre-emptive/ Country-specific triggers.
• Conduct site visit for borrowers located in Klang Valley.
• Review & manage Special Mentioned (SM) account.
• Review and handle Reschedule & Restructuring (R&R) cases.
• Conduct stress test or any ad-hoc request from management.
• Build and maintain strong relationships with stakeholders to ensure smooth collaboration across all levels.
• Propose new/ best approach as and when found.

CUSTOMER SERVICE & EXPERIENCE

• Providing credit solutions/ services to manage the delinquency of customer’s borrowing account/s.
• Review, recommend and/ or close account strategy according to customer’s needs with the interest of the bank in mind.
• To assist customer on R&R as and when required.

POLICY & PROCEDURE

Well verse with the following credit policies:

• Country Credit Lending Policy (CLP)
• CMB Credit Policy (CCP)
• Group Credit Lending Policy (GCLP)
• RMT Framework

Familiar with technical knowledge such as financial/ credit underwriting criteria.

RESPONSIBILITIES – TEAM SALES & STRATEGY

• Track & follow up on a daily/ weekly/ monthly basis on the progress and status of Exception Reviews (ER) from submission to approval for Centralized Review Team (CRT).
• Provide training, support and guidance to RMT Team on credit analysis, reviews and compliance where required.
• Collaborate with stakeholders, eg. Credit, Middle Office, CAC, WLOC, TROC, etc to discuss/ negotiate/ improve cases/ processes.
• Address any challenges or issues that may arise within the team.
• Develop/ recommend solutions to ensure daily operations are smooth.
• Ensure professional development of CRT Members.
• Share best practices with CRT Members.

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.

Company Information

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.

Career Site: UOB Career site