AVP, Credit Review Analyst, Emerging Enterprise
On-siteKuala Lumpur, Kuala Lumpur, Malaysia
Kuala Lumpur, Kuala Lumpur, MalaysiaOn-siteFull TimeEnterprise
Full TimeEnterprise
Job Summary
Conduct credit assessments on borrowers based on RMT Framework triggers, including site visits for Klang Valley clients and stress testing for ad-hoc management requests. Manage Special Mentioned accounts, handle Reschedule & Restructuring cases, and provide credit solutions to manage customer delinquency while adhering to Country, Middle Office, and Group Credit Lending policies. Track Exception Reviews from submission to approval, provide training to the RMT Team, and collaborate with stakeholders to negotiate cases and improve processes.
Required Qualifications
- 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
- Provide 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
- 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
- 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
- Be a Part of the UOB Family
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