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 Summary:**

We are seeking an experienced and highly skilled VP, Credit Analyst to join our team at UOB China Ltd. This role involves performing comprehensive credit risk assessments, providing insightful financial analysis, and making informed recommendations to support the bank's lending activities and portfolio management.

Job Responsibilities:**

* Conduct thorough financial analysis of corporate clients, including reviewing financial statements, business models, industry trends, and management capabilities.
* Prepare detailed credit proposals and risk assessment reports, outlining key findings, risk factors, and mitigation strategies.
* Evaluate and recommend appropriate credit limits, collateral requirements, and loan structures for various credit facilities.
* Monitor existing credit portfolios for potential deterioration in credit quality and recommend timely remedial actions.
* Engage in regular communication with clients, relationship managers, and other internal stakeholders to gather necessary information and provide credit expertise.
* Stay updated on market conditions, regulatory changes, and economic developments impacting credit risk.
* Participate in credit committee meetings, presenting analysis and defending recommendations.
* Mentor and guide junior credit analysts, fostering a strong credit culture within the team.
* Contribute to the development and enhancement of credit policies, procedures, and risk models.

Job Qualifications:**

* Bachelor's degree in Finance, Accounting, Economics, or a related quantitative field. A Master's degree or CFA designation is highly preferred.
* Minimum of 8-10 years of experience in corporate credit analysis, preferably within a reputable financial institution or banking environment.
* Strong understanding of financial modeling, valuation techniques, and credit risk assessment methodologies.
* In-depth knowledge of various industries and their respective credit drivers, particularly within the Chinese market.
* Excellent analytical, problem-solving, and decision-making skills.
* Proven ability to write clear, concise, and comprehensive credit reports and presentations.
* Strong interpersonal and communication skills, with the ability to articulate complex financial concepts to both technical and non-technical audiences.
* Proficiency in spoken and written English and Mandarin Chinese is essential.
* Advanced proficiency in Microsoft Excel, PowerPoint, and financial analysis software.
* Ability to work independently and as part of a team in a fast-paced and demanding environment.
* High level of integrity and strong ethical standards.

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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