VP1, Credit Review Analyst, Emerging Enterprise

2201 United Overseas Bank (Malaysia) Bhd; Kuala Lumpur; On-site; MYR 60,000 - 90,000; Full time

Job summary

2201 United Overseas Bank (Malaysia) Bhd is seeking a Credit Analyst to assess SME borrowers, conduct site visits in Klang Valley and handle restructuring and rescheduling cases. You will evaluate credit risk, review documents and support collections efforts to minimize delinquency.

The role requires 3–5 years of SME banking experience, strong communication with customers, and familiarity with legal processes in documentation.

Qualifications

• Have SME background with 3–5 years experience; SME sales background advantageous.
• Able to approach and talk to customers about working capital needs (WCR).
• Good understanding of legal processes involved in documentation.
• Proactive to explore restructuring and rescheduling for delinquent accounts.
• Chase collections for delinquent accounts.

Responsibilities

• Conduct credit assessment on borrowers per triggering events (DPD, legal suit, changes in directors/shareholders).
• Conduct site visits for borrowers located in Klang Valley.
• Handle special mentioned accounts and Joint & Several Guarantee documents.
• Handle Reschedule & Restructuring cases and ad-hoc requests from management.
• Attend to joint & several guarantee documents and signing.

Skills

Credit assessment

SME banking

Customer communication

Documentation

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

• Conduct credit assessment on borrower per triggering event ie DPD, legal suit, change of director/ shareholders etc.
• Conduct site visit for borrowers located in Klang Valley.
• Handle special mentioned account.
• Handle Reschedule & Restructuring cases
• Conduct stress test or any ad-hoc request from management
• Attend to Joint & Several Guarantee documents and signing

Job Requirements

• Have SME background (minimally 3–5 years) i.e. have had SME sales background before would be advantage.
• Able to approach and talk to customers (understand their WCR-working capital requirement).
• Good understanding on legal processes involved in documentation.
• Proactive to explore R&R (restructuring and rescheduling) for delinquent accounts.
• Required to chase collections for delinquent accounts.

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.

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.