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.

In 1935, amid the economic uncertainties following the Great Depression, UOB opened its doors to offer banking services for the merchant community in Singapore.

Since then, UOB has grown organically and through a series of strategic acquisitions. Today, UOB is rated among the world's top banks: ‘Aa1' by Moody's and ‘AA-' by Standard & Poor's and Fitch Ratings.

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.

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.

• Makes credit investigation and analyse information on prospective and existing borrowers.
• Provides advice and assistance to relationship managers in structuring and risk mitigation of credit facilities.
• Occasionally undertakes customer visits jointly with relationship managers to facilitate risk assessment.
• Makes objective comments and recommendations on new credit requests and annual reviews of banking facilities for consideration by credit approvers.
• Approves banking facilities within personal credit discretionary limit.
• Provides guidance to Business Units on issues relating to credit policies and procedures.
• Assist the Head of Local Credit to build a credit department function within the Branch including advice on policies / procedures and undertaking of projects.
• Provides advice and development to junior credit colleagues as well as business staff in credit underwriting activity.

• Degree holder in business management, accounting, finance or related disciplines.
• Minimum 10 - 15 years of credit experience in corporate finance and SME lending with at least 2 years' working experience in supervisory I management role.
• Good knowledge of business management, accounting, economics and finance as well as exposure to different lending situations.
• Thorough understanding of bank's lending, derivative, investment and other related products.
• Strong technical skills to interpret and analyse financial figures.
• Good sense and ability to judge the character of borrower and feasibility of its requests.
• Competence in communication, including flexibility and resourcefulness in negotiation.
• Ability to organise and compile information in a meaningful manner
• ECF qualification is preferred

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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