MGR- VP, Credit Analyst, Commercial Banking

2201 United Overseas Bank (Malaysia) Bhd; Kuala Lumpur; Presencial; MYR 60.000 - 90.000; Jornada completa

Descripción de la vacante

2201 United Overseas Bank (Malaysia) Bhd in Kuala Lumpur is seeking a Credit Analyst to conduct in-depth credit evaluations for new and existing customers. You will assess financial statements, cash flow, and business plans to determine creditworthiness and repayment ability.

The role involves making recommendations on credit limits, monitoring overdue accounts, and ensuring timely processing of credit proposals. Fresh graduates are welcome and banking experience is advantageous.

Formación

• Degree holder in Finance, Accountancy or Economics.
• Fresh graduates are welcome.
• Experience in banking industry is advantageous.
• Strong analytical skills and attention to detail.
• Good communication and interpersonal skills.
• Proficient in MS Office applications.
• Knowledge in SAP and CMS will be an added advantage.

Responsabilidades

• Conduct comprehensive credit evaluation on new-to-bank and existing customers based on financial statements and cash flow.
• Evaluate debt repayment ability using income, assets, debts and credit history.
• Provide recommendations on credit limit/approvals based on evaluation outcomes.
• Monitor overdue accounts and negotiate payment schedules when needed.
• Ensure credit proposals are processed within defined turnaround times.
• Maintain up-to-date records of customer credit history and status.
• Comply with internal policies including credit policy manual and operating instructions.
• Assist in preparing management reports on credit proposals and outstanding loans.

Conocimientos

Analytical skills

Attention to detail

Communication skills

MS Office

Educación

Degree in Finance, Accountancy or Economics

Herramientas

SAP

CMS

Descripción del empleo

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. 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.

Job Description

• Conduct comprehensive credit evaluation on new-to-bank and existing customers by reviewing financial statements, cash flow projections, business plans and other relevant information to assess creditworthiness;
• Evaluate debt repayment ability based on factors such as income, assets, debts, employment status, credit history and other related factors;
• Provide recommendations on credit limit/approvals based on the outcome of the credit evaluation process;
• Monitor and control overdue accounts, negotiating payment schedules when necessary;
• Ensure all credit proposals are processed within agreed turnaround time;
• Maintain up-to-date records of customer’s credit history and account status in the bank’s system;
• Comply with all applicable internal policies and procedures including credit policy manual and operating instructions;
• Assist in the preparation of management reports on credit proposals and outstanding loans.

Job Requirements

• Degree holder in Finance, Accountancy or Economics;
• Fresh graduates are welcome;
• Experience in banking industry will be advantageous;
• Strong analytical skills and attention to details;
• Ability to work independently and under pressure;
• Good communication and interpersonal skills;
• Proficient in MS Office applications;
• Knowledge in SAP and CMS will be added advantage.

Additional Requirements Develop, Engage, Execute, Strategise Be a Part of the UOB Family

We value our people and invest in them as we look to fulfil our purpose of building the future of ASEAN.

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.

Career Site: UOB Career site