Credit Analyst

2 days ago

Ho Chi Minh City, Ho Chi Minh, Vietnam UOB Full time

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

JOB RESPONSIBILITIES

  • Prepare credit application (including but not limited to Credit Approval Summary, financial rating, business & operation update, risk analysis, financial modeling, CIC checking, ESG checklist, etc.) in accordance with bank's policies for existing & new customers and obtain credit approval within expected timeline;

  • Conduct market research to support for credit analysis/ assessment and client's credit risk management;

  • Assist Relationship Managers to response to credit-related queries from stakeholders (credit, risk, audit, SBV, etc.);

  • Assist Relationship Manager in financial spreading & rating, pricing calculation;

  • Contribute to improve client's RoRWA via facility structuring, security arrangement, etc.;

  • Conduct periodic covenant compliance test, stress test, and periodic client perofrmance monitoring if required;

  • Work with RM and credit to identify clients with early waning signals for timely and necessary action; closely monitor those clients' risk and report to the Group on monthly basis;

  • Prepare periodic and ad-hoc reports to Head Office/Compliance/ Loan Operation/ Client Fulfilment Service/ CIC.

JOB REQUIREMENTS:

  • Bachelor's degree in Economics, Business, Finance & Banking;

  • Experience in Banking & Finance for at least [2-3] years;

  • Credit assessment, analytics and problem-solving skills

  • Ability to work in a fast-paced, team-oriented environment;

  • A strong writing & fluently speaking in English.

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.

Apply now and make a Difference

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