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

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

• Independently review and evaluate credit applications, ratings and transactional approvals for new and existing Large Corporates and Funds clients, across the Bank’s Wholesale Banking portfolio, including Singapore, overseas branches and overseas subsidiaries.
• Provide independent and appropriate credit approvals/recommendations, ensuring that all material risks are identified, appropriately mitigated, and aligned with the Bank’s credit policies and risk appetite.
• Exercise the personal-to-holder Credit Discretionary Limit responsibly, applying sound judgment, integrity, and prudent credit risk principles.
• Stay current with macroeconomic trends, industry developments and regulatory changes, ensuring credit decisions incorporate relevant sector and country risks.
• Maintain portfolio oversight by monitoring concentration risks, identifying credits with early warning signals, and recommending timely risk‑mitigation actions.
• Collaborate with internal stakeholders to conduct targeted portfolio reviews, providing insights to enhance risk management.
• Undertake additional tasks and initiatives when required, including supporting improvement of credit processes, frameworks, and governance standards.

Job Requirements

• Bachelors degree or higher.
• Minimum 20 years of relevant banking experience, including exposure to Corporate Banking Coverage.
• Deep understanding of credit and risk management principles, with strong analytical skills.
• Meticulous and ability to work efficiently.
• Ability to articulate, justify and defend credit decisions to internal stakeholders.
• Demonstrated integrity and a team player.
• We value candidates with broad industry knowledge and a strong understanding of trade-related risks and structures.

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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