Credit Reviewer

UOB; Singapore; On-site; SGD 40,000 - 60,000; Full time

Job summary

UOB in Singapore is seeking a Credit Review professional to perform comprehensive credit assessments for mortgage applications. The role includes preparing recommendations, liaising with stakeholders, and ensuring compliance with internal policies.

Ideal candidates should possess at least 1–2 years of banking experience, proficiency in software programmes, and strong analytical skills. A University Bachelor’s degree is required. Join us and build your career at UOB!

Qualifications

• Minimum 1–2 years of banking experience, preferably in mortgages.
• Strong aptitude in software programmes and proficiency in Microsoft programmes, especially Excel and PowerPoint.
• Knowledgeable in real estate industry regulations.

Responsibilities

• Prepare, review, analyze and make recommendations for mortgage applications.
• Liaise with stakeholders for documentation and rectifications.
• Perform compliance and documentation checks on mortgage applications.

Skills

Banking experience

Proficiency in Microsoft Excel

Good credit analytical skills

Good written and verbal communication skills

Interpersonal skills

Education

University Bachelor degree

Tools

Microsoft PowerPoint

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 the 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 applications. 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.

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 documentation and rectifications.
• Perform compliance and documentation checks on mortgage applications.
• Review property valuation reports.
• Conduct credit evaluation and follow up on post‑disbursement issues, and other miscellaneous requests.

Qualifications / Requirements

• Minimum 1–2 years of banking experience (preferably in mortgages).
• Strong aptitude in software programmes and proficiency in Microsoft programmes, especially Excel and PowerPoint.
• Knowledgeable in the real estate industry, current affairs and economic outlook.
• Conversant with real estate and mortgage loan regulations.
• Good credit analytical skills, meticulous and attentive to detail.
• 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.

Additional Requirements

• University Bachelor degree required.

Equal Opportunity Statement

UOB is an equal opportunity employer. UOB does not discriminate on the basis of a candidate's age, race, gender, colour, 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.