Risk Analyst, Post-Approval Credit Review

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

• The jobholder is primarily responsible to conduct independent post approval credit review 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.
• To conduct assessments on quality of credit risk assessment and rigour of credit approval processes, including in respect of 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.

• Work with team to oversee and safeguard quality of Bank’s loan portfolio (post approval) and enable effective oversight by Credit Management Committee (CMC), via proactively identify and report emerging risks/hot spots and red flags in credit portfolio assigned; Monitor and perform analytics on the Bank’s borrowers especially large exposure; etc. 
• To 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 process, policy and procedures.
• To ensure any requests from auditor/regulator and etc, remediation of audit finding/recommendation on area of responsibilities are being handled in a timely manner and to a acceptable standard.

• To provide secretariat and coordination support for Group Credit Committee (GCC), In-country Credit Committee (ICCC) and Credit Management Committee (CMC); To follow through with relevant stakeholders on all actionable matters arising from Credit Management Committee’s decision / discussion; To update approval of Corporate Banking cases (on behalf of ICCC) in the bank’s loan origination system (Credit Master).

Job Requirements

• Degree holder with more than 8 years of related credit experience. Experience in credit approval, R&R and recovery will be added advantage.
• Diligent, yet agile and creative in developing ideas and solutions to problems.
• Good team player, able to work as part of a dynamic, results oriented team.
• Able to plan and prioritize tasks in a fast-paced environment.
• Good verbal and written communication skills,
• Confident and able to interact effectively with senior stakeholders.
• Clear understanding of the various committees Terms of Reference
• Familiar with Wholesale & Retail Banking business model and products, Treasury Products (e.g. Options, SWAPs etc.), Bank Counterparty Risk, credit management process in wholesale & retail credit environment, 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.

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