Senior Credit Analyst (FIG)

2201 United Overseas Bank (Malaysia) Bhd; Kuala Lumpur; On-site; MYR 70,000 - 120,000; Full time

Job summary

2201 United Overseas Bank (Malaysia) Bhd seeks a Credit Analyst to perform credit analysis and structuring for the Global Funds & Financial Sponsor team within FIG. You will prepare credit reviews, assess creditworthiness, and structure proposals aligned with risk policy.

The role requires strong analytical skills, understanding of banking products, and the ability to work with internal stakeholders and junior analysts. Malaysia-based position with career growth within a leading regional bank.

Qualifications

• 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

Responsibilities

• Prepare credit rating and periodic financial reviews for GFFS borrowers and ensure timely reviews
• Evaluate overall creditworthiness and ability to meet financial obligations for traditional credit products
• Assess proposed transactions against credit standards and internal policies
• Structure proposals according to borrower needs and bank risk appetite
• Ensure accuracy of internal credit rating factors with appropriate models
• Coordinate with internal business, product teams, Head Office, and international branches
• Collaborate on financial analysis for existing and prospective clients to identify gaps/opportunities
• Supervise and train junior analysts
• Participate in client calls/meetings/documentation discussions
• Contribute to stress tests and RWA optimization projects

Skills

Credit risk analysis

Financial analysis

Real assets structuring

Interpersonal communication

Education

Bachelor's degree in Accounting/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

Equal Opportunity

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 Overview

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.