Senior Credit Analyst & Credit Risk Lead

United Overseas Bank Limited; Kuala Lumpur; On-site; MYR 36,000 - 72,000; Full time

Job summary

2201 United Overseas Bank (Malaysia) Bhd in Malaysia is seeking a Credit Analyst to perform comprehensive credit evaluations on new and existing customers, reviewing financial statements, cash flow projections and business plans to assess creditworthiness.

The role requires a degree in Finance, Accountancy or Economics, strong analytical skills, the ability to work under pressure, good communication, and MS Office proficiency. Fresh graduates are welcome to apply with potential training provided.

Qualifications

• Degree holder in Finance, Accountancy or Economics.
• Fresh graduates are welcome.
• Experience in banking is advantageous.
• Strong analytical skills and attention to detail.
• Ability to work independently and under pressure.
• Good communication and interpersonal skills.
• Proficient in MS Office applications.
• Knowledge in SAP and CMS is a plus.

Responsibilities

• 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.

Skills

Analytical skills

Attention to detail

Communication

Interpersonal skills

MS Office

Teamwork

Education

Finance, Accountancy or Economics degree

Tools

SAP

CMS

Job description

2201 United Overseas Bank (Malaysia) Bhd in Malaysia is seeking a Credit Analyst to perform comprehensive credit evaluations on new and existing customers, reviewing financial statements, cash flow projections and business plans to assess creditworthiness.

The role requires a degree in Finance, Accountancy or Economics, strong analytical skills, the ability to work under pressure, good communication, and MS Office proficiency. Fresh graduates are welcome to apply with potential training provided.