Job Description

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.

Managing Credit Risk Exposure and Risk Quality
Conduct independent credit review, assessment, evaluation and/or approval of every credit proposal originating from the Group's Wholesale (Commercial) Banking portfolio;
For each credit proposal, ensure material risks (credit risk, legal risk, regulatory risk, operational risk, legal risk, ESG risk etc) that will impact the repayment ability of each borrower are identified and the appropriate mitigations are incorporated to manage these risks;
Provides an independent oversight of the rating process, and approves all rating assignments and rating reviews.
Facilitate timely credit approval and work closely with credit teams in Hong Kong, China, Malaysia, Thailand, Vietnam and Indonesia to deliberate over the credit issues in BU's proposals for approval.
Monitors and reports credit risk issues to CRO, Senior Management and the relevant management committees;
Collaborate with Country & Risk Management, Group Portfolio Management and the respective Business Units to cover portfolio reviews, stress tests and establishing underwriting parameters for new initiatives. This ensures that business and credit policies are aligned and prudent credit standards are maintained for sustainable business growth.?
Credit Approval
Exercise the personal-to-holder Credit Discretionary Limit judiciously to approve credits across the Group, including UOB Singapore, overseas branches and overseas subsidiaries, guided by the Group's credit policy and guidelines.
Job Requirements

• Years of experience: More than 20 years of Corporate / Commercial Banking experience as a relationship manager and/or as a credit approver
• Skills: Credit Approval, Credit analysis with good knowledge across various key sectors such as manufacturing, consumer goods, real estate, construction etc, preferably with high familiarity on the regional business and credit landscape.
• Industry: Cross segment/industry experience

Additional Requirements
Develop, Engage, Execute, Strategise
Be a Part of the 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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Skills Required