Credit Analyst

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

Job Responsibilities:

• Conduct comprehensive credit evaluation on new-to-bank and existing customers by reviewing financial statements, cash flow projections, business plans and other relevant information to assess creditworthiness;

• Evaluate debt repayment ability based on factors such as income, assets, debts, employment status, credit history and other related factors;

• Provide recommendations on credit limit/approvals based on the outcome of the credit evaluation process;

• Monitor and control overdue accounts, negotiating payment schedules when necessary;

• Ensure all credit proposals are processed within agreed turnaround time;

• Maintain up-to-date records of customer’s credit history and account status in the bank’s system;

• Comply with all applicable internal policies and procedures including credit policy manual and operating instructions;

• Assist in the preparation of management reports on credit proposals and outstanding loans.

Job Requirements:

• Degree holder in Finance, Accountancy or Economics;

• Fresh graduates are welcome;

• Experience in banking industry will be advantageous;

• Strong analytical skills and attention to details;

• Ability to work independently and under pressure;

• Good communication and interpersonal skills;

• Proficient in MS Office applications;

• Knowledge in SAP and CMS will be added advantage.

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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