Credit Reviewer

1011 United Overseas Bank Ltd; Singapore; On-site; SGD 60,000 - 90,000; Full time

Job summary

United Overseas Bank Limited (UOB) is seeking a Credit Reviewer for its Retail Mortgage team in Singapore. The role involves preparing, reviewing and recommending mortgage applications, ensuring compliance with internal policies and regulatory guidelines, and coordinating with Sales, mortgage relations, and Credit Operations teams.

Ideal candidates will have 1–2 years of banking experience in mortgages, strong Excel/PowerPoint skills, good credit analysis abilities, and solid communication and

Qualifications

• Minimum 1-2 years of banking experience (preferably in mortgages).
• Aptitude in software programs and well verse in Microsoft programs especially Excel and PowerPoint.
• Knowledgeable in real estate industry, real estate current affairs and economic outlook.
• Conversant in real estate and mortgage loans regulations.
• Good credit analytical skills, meticulous and attentive to details.
• Good written and verbal communication skills.
• Good attitude and interpersonal skills, able to interact professionally and manage objections effectively.
• Able to work independently, fast learner and able to work as a team.

Responsibilities

• Prepare, review, analyze and make recommendations for mortgage applications (including new, restructures and others).
• Liaise with stakeholders (including Sales staff, mortgage relations staff, Credit Operation staff) for documentations and rectifications.
• Compliance and documentation checks on mortgage applications.
• Review property valuation reports.
• Credit evaluation and follow up on post disbursement issues, other miscellaneous requests.

Skills

Excel

PowerPoint

Credit analysis

Communication skills

Real estate & mortgage knowledge

Teamwork

Education

Bachelor's degree

Tools

Microsoft Office

Job description

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

The Credit Review (Retail) function is responsible for performing comprehensive credit assessments and documentation verification for retail mortgage application. This includes evaluating borrower‑provided information, publicly available data, and the lender’s assessment of the borrower’s credit requirements and repayment capacity. Reviews are conducted in alignment with regulatory guidelines and the Bank’s internal credit policies to ensure sound credit decisioning and risk management.

Job Description for Credit Reviewer

Prepare, review, analyze and make recommendations for mortgage applications (including new, restructures and others) Liaise with stakeholders (including Sales staff, mortgage relations staff, Credit Operation staff) for documentations and rectifications. Compliance and documentation checks on mortgage applications Review property valuation reports Credit evaluation and follow up on post disbursement issues, other miscellaneous requests.

Qualifications and Experience

Minimum 1-2 years of banking experience (preferably in mortgages) Aptitude in software programs and well verse in Microsoft programs especially Excel and PowerPoint Knowledgeable in real estate industry, real estate current affairs and economic outlook Conversant in real estate and mortgage loans regulations Good credit analytical skills, meticulous and attentive to details Good written and verbal communication skills Good attitude and interpersonal skills, able to interact professionally and manage objections effectively Able to work independently, fast learner and able to work as a team.

• Prepare, review, analyze and make recommendations for mortgage applications (including new, restructures and others)
• Liaise with stakeholders (including Sales staff, mortgage relations staff, Credit Operation staff) for documentations and rectifications.
• Compliance and documentation checks on mortgage applications
• Review property valuation reports
• Credit evaluation and follow up on post disbursement issues, other miscellaneous requests.

Additional Requirements - University-Bachelor

University-Bachelor,

• Prepare, review, analyze and make recommendations for mortgage applications (including new, restructures and others)
• Liaise with stakeholders (including Sales staff, mortgage relations staff, Credit Operation staff) for documentations and rectifications.
• Compliance and documentation checks on mortgage applications
• Review property valuation reports
• Credit evaluation and follow up on post disbursement issues, other miscellaneous requests.

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.

Career Site

UOB Career site

Company Overview

UOB is rated as one of the world's top banks, ranked 'Aa1' by Moody's Investors Service and 'AA-' by both S&P Global and Fitch Ratings. With a global network of 500 branches and offices across 19 countries in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia, Thailand and Vietnam, as well as branches and offices throughout the region.

We value our people

We value our people and invest in them as we look to fulfil our purpose of building the future of ASEAN. We seek to create a collaborative and progressive environment for them to succeed in their careers for the long term.