Credit Mgmt

Credit Mgmt - Unsecured

Posting Date: 22-May-2023 Location:

Kuala Lumpur, Wilayah Persekutuan, MY

Company: 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.

About the Department

The Credit and Risk Management function is comprised of three teams: Risk Management, Credit and Special Asset Management. We manage the risks arising from the Group’s business activities within the risk appetite established by the Board. This involves identifying and evaluating the risks, developing effective risk governance and strategies as well as providing independent assessment of the overall risk profile.

Job Responsibilities

To negotiate, persuade and convince customer to pay i.e. quick thinker with quick answers(versatile) when customers try to evade payment To assess how genuine a customer’s reason for non payment and propose a solution with alternative options i.e. balance transfer, refinancing, reschedule, restructuring, rewrite etc Remain calm when provoked by internal or external customers as 90% of their time spend on job is dealing with distress customer To communicate and carry oneself in a proper professional manner. Practice fair dealing with customers. To listen attentively and respond when appropriate Self motivate and self develop: take initiative to learn and stay positive Must be target oriented & work well under pressure Must be alert to detect pattern behavior of customer when on the job in order to make the appropriate recommendation to curb bank’s losses Inquisitive and analytical mind to provide feedback for planning future credit and marketing strategies Receptive to changes especially if it is the bank’s direction Must be alert & play a role to reduce cost per recovery

Job Requirements

Degree in any field Preferably 1-2 years of working experience in recovery Fresh graduate are encouraged to apply Strong communication skills, especially English and Bahasa Melayu. Proficient in Mandarin will be an added advantage Possess strong interpersonal and analytical skills Computer literate, i.e. Microsoft word and excel Target oriented and able to work under pressure

---