VP, Credit Review Analyst, Emerging Enterprise

uobgroup; Kuala Lumpur; On-site; MYR 90,000 - 150,000; Full time

Job summary

United Overseas Bank (Malaysia) Bhd seeks an experienced credit analyst to perform risk assessment on borrowers using the RMT framework. You will conduct site visits in Klang Valley, manage Special Mentioned accounts, and assist with Reschedule & Restructuring cases, while building strong stakeholder relationships.

In this role you will support the CRT and collaborate with Credit, Middle Office and CAC to ensure compliant credit reviews, stress tests, and timely decisioning in a fast-paced

Responsibilities

• Conduct credit assessment on borrower per triggering event based on RMT Framework 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.

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.

Job Description

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.