Vice President, Credit Analyst, Commercial Banking

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 Wholesale Bank function operates a dynamic business model that provides financial services and solutions to help our clients achieve their strategic business objectives. Our mission is to become the premier-provider of banking services and solutions for Asia-based commercial banking companies (small medium enterprises), large corporations, financial institutions as well as multinational corporations. Our coverage teams work in full alignment with specialised teams across Transaction Banking, Investment Banking, Global Markets and Group Retail to deliver seamless solutions to our clients

Job Responsibilities

• Conduct periodic credit reviews for existing borrowers, which involved the preparation of credit submission package comprising mainly Credit Application Summary (“CAS”), Executive Summary (“ES”) or Credit Memo, Credit and Compliance checklists.
• Prepare CAS for new borrowers.
• Liaise with Relationship Managers to check on compliance of terms and conditions imposed on the credit facilities and update of applicable remarks during periodic credit reviews.
• Ensure compliance of all internal / external policies / guidelines via sanity checks.
• Follow-up on post approval credit conditions with update to internal register for monitoring purposes. Required Variation of Terms (“VAR”) credit requests to formalise these conditions are to be raised and submitted for approval.
• Prepare / co-ordinate necessary MIS report for the management.
• Perform monitoring tasks such as litigation suits, excess reports, listed companies’ announcements, etc so as to identify any vulnerable accounts and take prompt actions to minimize potential NPLs.
• Assist in streamline credit workflow processes within Commercial Banking and other related departments.
• Provide training and guidance to junior staff.
• Support Credit Analyst Team Head and assist in ad hoc projects, where applicable.

Job Requirements

• Degree in Accounting/Finance/Business Admin or relevant concentrations.
• At least 8 -10 years credit analysis experience in commercial or corporate banking sector.
• Sound credit and business knowledge in commercial or corporate banking space and regulatory requirement.
• Language proficiency (Written & spoken) in English I Mandarin I Cantonese.
• Strong at analytical/ logical presentations.
• Self-motivated, detail-minded and customer focused.
• Good time management & able to work under pressure.
• Able and willing to work and share with peers to achieve common key performance goals.
• Proficiency in PC applications.
• Holder of ECF on Credit Risk Management (CRM) accredited by The Hong Kong Institute of Bankers (HKIB) is preferred

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.

Competencies