Risk Analyst, Post-Approval Credit Review

5 days ago

Malaysia 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. 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
  1. The jobholder is primarily responsible for conducting independent post-approval credit reviews in accordance with UOBM requirements (referenced to Section 17 of BNM Credit Risk Policy), inter alia, to ensure that credit decision-making remains consistent with the financial institution's overall credit risk management arrangements, and to ensure the scope, depth, and frequency of the independent credit review is commensurate with the significance of a particular area or the portfolio's credit risk profile.
  2. Conduct assessments on the quality of credit risk assessment and rigor of credit approval processes, including respect to the scope of information obtained for credit decisions; whether credit decisions are in accordance with the credit risk strategy, credit risk policy, and relevant legal and regulatory requirements; scope, effectiveness, and timeliness of credit risk monitoring activities; accuracy and timeliness of ratings assigned to counterparties; and appropriateness of credit classifications and provisioning levels.
  3. Work with the team to oversee and safeguard the quality of the Bank's loan portfolio (post-approval) and enable effective oversight by the Credit Management Committee (CMC), via proactively identifying and reporting emerging risks/hot spots and red flags in the credit portfolio assigned; Monitor and perform analytics on the Bank's borrowers, especially large exposure; etc.
  4. Ensure that the outcomes of, including any recommendations arising from, independent credit reviews are clearly documented and escalated directly to the Board Risk Committee, Board Audit Committee, and senior management via periodic, independent reporting. The jobholder is to make recommendations for suitable changes to UOBM credit processes, policies, and procedures.
  5. Ensure any requests from auditors/regulators are handled in a timely manner and to an acceptable standard, including remediation of audit findings/recommendations on areas of responsibility.
  6. Provide secretariat and coordination support for the Group Credit Committee (GCC), In-country Credit Committee (ICCC), and Credit Management Committee (CMC); Follow through with relevant stakeholders on all actionable matters arising from Credit Management Committee's decisions/discussions; Update approval of Corporate Banking cases (on behalf of ICCC) in the bank's loan origination system (Credit Master).
Job Requirements
  1. Degree holder with more than 8 years of related credit experience. Experience in credit approval, R&R, and recovery will be an added advantage.
  2. Diligent, yet agile and creative in developing ideas and solutions to problems.
  3. Good team player, able to work as part of a dynamic, results-oriented team.
  4. Able to plan and prioritize tasks in a fast-paced environment.
  5. Good verbal and written communication skills.
  6. Confident and able to interact effectively with senior stakeholders.
  7. Clear understanding of the various committees' Terms of Reference.
  8. Familiar with Wholesale & Retail Banking business models and products, Treasury Products (e.g., Options, SWAPs, etc.), Bank Counterparty Risk, credit management processes in wholesale & retail credit environments, and Regulatory Guidelines.
Be a part of 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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