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.
Job Description
Prepare internal credit ratings & reviews for FIG/corporate clients, ensuring full compliance with the Bank’s credit policies, principles, lending direction, and approval guidelines.
Assess creditworthiness on an ongoing basis, including ability to meet obligations; monitor performance, sector/market developments and adverse news, and proactively flag issues with recommended risk actions.
Own end-to-end credit work for new/renewal deals, gather requirements, analyse financials, perform due diligence, identify key risks, propose mitigants/conditions/covenants, and produce high-quality credit submissions for approval.
Engage clients directly (RM element) via calls/meetings/site visits where needed to obtain financial statements, clarify business/funding model, validate transaction rationale, and support information requests and timelines.
Drive deal execution with internal stakeholders to ensure timely approvals, smooth documentation, booking, and adherence to process governance.
Support relationship and wallet management (RM element) by contributing to account planning and solutioning - E.g., structure recommendations, risk-return framing, and identifying suitable product opportunities within risk appetite.
Maintain portfolio health and discipline, ensuring strong monitoring, timely annual/periodic reviews, covenant/conditions tracking, and zero overdue reviews.
Job Requirements
6–8 years of relevant banking experience in credit analysis, corporate banking, or FIG coverage with demonstrated ownership of credit papers and deal execution.
Experience handling Government entities / Public Sector / GLC / Sovereign-linked clients is highly preferred; exposure to MOF-related/statutory funds/SWFs will be a strong advantage.
Strong grounding in credit assessment - financial analysis, risk identification, covenant/structure recommendation, and ability to articulate risks/mitigants clearly in credit submissions.
Comfortable engaging senior client stakeholders to obtain information, clarify requirements, and manage documentation/approval timelines professionally.
Additional Requirements
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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What We Do
We’re here to do Right By You. At UOB, we aspire to build a better future for the people and businesses in the region. Through our extensive network and suite of capabilities, we offer financial solutions to the people and businesses within, and connecting with ASEAN. We create solutions tailored to your unique needs through data and relationship-led insights. Our comprehensive regional network and one-bank approach connects your business to new opportunities in ASEAN. We help businesses to advance responsibly and guide personal wealth to grow sustainably. We foster inclusiveness and environmental well-being for stronger societies. This is how we stay committed to forging a sustainable future for generations to come. Note: For the terms of use of our LinkedIn channel, please visit: https://go.uob.com/socialmedia
