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Senior Officer, Secured Investment Lending, Group Retail

Posting Date:  14-Jul-2022

Singapore, SG

Company:  United Overseas Bank Limited

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

•    Attend to product enquiries/deviation requests by Client Advisors, Treasury / Insurance Specialists, Portfolio Counsellors, Business Directors  
•    MIS data extraction / analysis / reporting across the various leverage product portfolios.
•    Track portfolio performance against program caps and prepare periodic / ad-hoc reports on the respective portfolios.
•    Prepare presentation decks, various compliance assessments & control tests, SOP, training materials, process maps etc and to ensure that all the documentation are kept up to date.
•    Coordinate and liaise with all stakeholders on their inputs to review / prepare / maintain / update all 3 products’ documents and process workflows.
•    Follow through with relevant stakeholders to renew product programs promptly and obtain stakeholders’ approvals before product rollout.
•    Communicate to Sales / Wealth Management / stakeholders on new product launch, product enhancement parameters and regulatory requirements (if any).
•    Maintain / change of product templates to facilitate loan processing.
•    Follow up with Group Legal/Group Compliance/ORM/Group Credit/CCRM on issues raised for advice.
•    Participate in discussion with Customer Franchise – Market Analytics, PARM to analyse data to enable daily/monthly tracking
•    Assist the team in pursuit of projects / digitalization initiatives for streamlining and efficiency on processes for our customers
•    Participate in UAT testing for system enhancement and compliance assessments and control tests
•    Attend to ad-hoc duties and projects as and when assigned 

Job Requirements

  1. Degree holder with 1-2 years of banking experience in the areas of credit, frontline with good knowledge of retail wealth products & financing. Candidates without relevant experience are welcome to apply.
  2. Knowledge on Bank’s lending requirements, credit documentation & processes, credit monitoring rigor and system-related requirements regarding loans, collateral management  and custodian.
  3. Strong analytical, interpersonal and communication skills.
  4. Team player and willing to take on additional responsibilities as and when assigned.
  5. Self-motivated and able to work independently and under pressure, with fast turn around.   
  6. Passionate and keen to work with data 
  7. Strong proficiency in Microsoft Excel (Pivot table/Vlookup)
  8. Good presentation skills 

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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