AVP, Credit Review Analyst, Emerging Enterprsie

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.
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