Credit Analyst (Corporate and Real Estate)

Pomona College; Singapore; On-site; SGD 60,000 - 90,000; Full time

Job summary

United Overseas Bank (UOB) seeks a Credit Analyst to support credit assessment and ongoing monitoring for Corporate, Real Estate, and Project Finance clients. You will partner with global teams to serve multinational clients across sectors.

The role builds strong credit fundamentals, develops financial models, drafts credit submissions, and supports senior bankers in execution and portfolio monitoring. Exposure across Digital Economy, Industrials, Consumer, and Real Estate portfolios provides

Qualifications

• Bachelor’s degree in finance, Accounting, Economics, or a related field.
• Experience in credit analysis, banking, or risk management preferred but recent graduates are invited to apply.

Responsibilities

• Prepare credit submission packages with financial models and projections.
• Review construction draws for Real Estate portfolio and coordinate with stakeholders for approvals.
• Draft credit memoranda for amendments and liaise through to approval.
• Coordinate and review third party reports.
• Monitor covenants and escalation of breaches or risk indicators.
• Track loan maturity documentation and approvals.

Skills

Credit analysis

Financial statements

Quantitative skills

Analytical thinking

Written communication

Team collaboration

Risk management

Education

Finance degree

Economics degree

Accounting degree

Job description

About UOB

United Overseas Bank (UOB) is a leading bank in Asia, headquartered in Singapore. Founded in 1935, UOB has grown to become one of the largest banks in Southeast Asia by total assets. The bank offers a wide range of financial services, including personal banking, commercial banking, private banking, and asset management. UOB operates a global network of over 500 branches and offices across 19 countries and territories in Asia Pacific, Europe, and North America.

Position Summary:

The Credit Analyst will support the credit assessment and ongoing monitoring of Corporate, Real Estate, and Project Finance clients and transactions. This role involves partnering with a global network of commercial teams to support U.S. and Asian multinationals across both traditional and emerging sectors.

The role offers an excellent opportunity for individuals aspiring to develop into future Corporate Banking, Real Estate Banking, or industry-focused Relationship Managers and product specialists, while building strong technical credit fundamentals and gaining a comprehensive understanding of the bank’s global network and client ecosystem. The successful candidate will gain unique exposure across a broad range of sectors, including Digital Economy (such as technology, digital infrastructure, data centers), Industrials, and Consumer, as well as Commercial, Multifamily, Industrial, Hospitality, and Digital Infrastructure Real Estate portfolios.

Responsibilities

• Manage day-to-day operational and transactional activities, as well as portfolio management, ensuring timely and accurate completion of the following:
  • Annual Reviews: Serve as the primary author of credit submission packages, including preparation of financial models and projections using MS Excel and ARGUS.
  • Construction Draws (Real Estate Portfolio): Review draw requests and coordinate with internal stakeholders to obtain final approvals.
  • Credit Amendments: Act as the primary author of credit memoranda for amendments and liaise with relevant internal stakeholders through to approval.
  • Third Party Reports: Coordinate and review third party reports.
  • Covenant Monitoring: Monitor compliance with financial and non-financial covenants, proactively identifying and escalating breaches or early risk indicators.
  • Loan Maturity Management: Track and manage documentation and approval requirements related to loan maturity conditions.
• Maintain a strong understanding of the loan origination and due diligence processes, including third-party reports and legal documentation.
• Provide ad hoc analytical and operational support to the Head of Credit Analysts and Senior Relationship Manager, as required.
• Client Relationship Support:
  • Track client wallet shares and transaction pipeline, identifying opportunities for cross-selling.
  • Partner with regional bankers and product managers to support origination of new transactions and drive up-sell and cross-sell initiatives.
  • Attend client meetings and support client communications

Qualifications:

Education & Experience:

• Bachelor’s degree in finance, Accounting, Economics, or a related field
• Experience in credit analysis, banking, or risk management preferred but recent graduates are invited to apply

Skills & Competencies:

• Strong analytical and quantitative skills with a solid understanding of financial statements and credit risk.
• Excellent problem‑solving skills, with the ability to work independently and exercise sound judgment.
• Ability to manage multiple priorities under pressure and work collaboratively in a team-oriented environment; with the ability to work across functions and geographies.
• Detail-oriented and well-organized with strong writing and communication skills; ability to present findings clearly and concisely.

Applicants must be legally authorized to work in the US. The Company does not provide employment visa sponsorship now or in the future for this position.