Senior Credit Analyst (FIG)

UOB; Kuala Lumpur; On-site; MYR 90,000 - 130,000; Full time

Benefits offered by this job

Health insurance

Job summary

2201 United Overseas Bank (Malaysia) Bhd is seeking a Credit Analyst for the Global Funds & Financial Sponsor (GFFS) team within FIG. You will perform credit analysis, structure transactions and supervise junior analysts to strengthen the credit portfolio.

The role requires strong credit risk and financial analysis skills, with collaboration across Head Office and local subsidiaries to support client initiatives and risk management.

Qualifications

• Degree in Accounting, Business Administration or Banking & Finance preferred.
• Strong understanding of credit risk, financial analysis and real assets credit structuring skills.
• Good understanding of banking products and their risks.
• Resourceful, proactive, and a team player with a positive attitude.

Responsibilities

• Prepare credit rating and periodic reviews for GFFS borrowers.
• Evaluate creditworthiness for traditional credit-based products.
• Assess transactions against credit standards and internal policies.
• Structure proposals according to borrower demands and risk appetite.
• Ensure accuracy of internal credit rating factors using rating models.
• Keep abreast of regulatory, market and credit developments.
• Collaborate with internal business, product, Head Office and branches.
• Perform financial analysis on existing and prospective clients.
• Supervise and train junior analysts.
• Participate in client calls/meetings/documentation.

Skills

Credit risk analysis

Financial analysis

Credit structuring

Communication skills

Team player

Education

Degree in Accounting, Business Administration or Banking & Finance

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

The Credit Analyst has a key role to perform credit analysis and structuring for Global Funds & Financial Sponsor (“GFFS”) team within FIG Department. This includes financing for real assets such as property, data center, infrastructure, renewables, logistics, student accommodation, hospitality etc.

• Prepare credit rating, periodic financial and credit reviews on Global Funds & Financial Sponsor (“GFFS”) borrowers and will be responsible for the credit process of the team portfolio and ensure that the credit reviews are completed on time
• Evaluate the overall credit worthiness and their ability to meet their financial obligations for traditional credit-based products
• Assess proposed transactions against the credit standards and internal policies
• Structuring of proposals according to borrower’s operational demands and bank’s risk appetite
• To ensure accuracy and completeness of internal credit rating factors proposed by business units using appropriate rating models
• Keep abreast of key developments in the industry from regulatory, market and credit perspectives
• Work and coordinate with internal business, product and other partners in Head Office, Overseas Branches and Subsidiaries
• To work alongside team members on business and financial analysis on existing and prospective clients to identify gaps and opportunities
• To supervise and provide relevant training to junior analysts
• Participate in client calls / meetings / documentation discussions as and when required
• Participate in ad-hoc projects such as stress tests, RWA optimization and other counterparty risks / limits related projects

Job Requirements

• Degree in Accountancy, Business Administration or Banking & Finance preferred
• Strong understanding of credit risk, financial analysis and real assets credit structuring skills
• Good understanding of banking products and their risks
• Resourceful individual with strong initiatives and positive attitude who is also a team play
• Dynamic, dedicated, self-driven and highly motivated
• Strong interpersonal and communication skills

Additional Requirements

Develop, Engage, Execute, Strategise

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.