ED, Group Credit

United Overseas Bank Limited (UOB); Singapore; On-site; SGD 200,000 - 250,000; Full time

Job summary

A leading bank in Asia is seeking a Credit Review Function Head to oversee independent credit reviews across Wholesale Banking accounts. The role requires ensuring compliance, governance, and risk management within credit portfolios. Candidates should have a strong understanding of credit risk management, with at least 15 years of relevant experience along with a Bachelor's degree in a related field. Expertise in maintaining regulatory compliance and analytical skills are key. This position offers a platform to make a significant impact in an evolving financial institution.

Qualifications

• Minimum 15 years of experience in credit risk management or related roles.
• Strong understanding of regulatory requirements is essential.
• Strong product knowledge in Lending & Trade Finance.

Responsibilities

• Ensure compliance with laws and internal policies in credit granting.
• Assess borrower's repayment ability and financial condition.
• Lead monthly thematic and individual account reviews.

Skills

Analytical skills

Problem-solving skills

Communication skills

Quantitative Analysis

Education

Bachelor's degree in Finance, Accounting, Economics, Business Administration

Professional certifications (e.g., CFA, FRM, CPA)

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 Function Head is a newly structured team responsible for independent credit reviews across Group-wide Wholesale Banking (GWB) accounts. This role ensures robust governance, compliance, and risk management across credit portfolios.

Governance, Compliance & Policy Adherence

• Understand and identify key portfolio/ sectoral risk in markets for review selection/ focus
• Ensure credit granting and write-offs comply with laws, regulations, and internal policies.
• Validate that loan approvals follow correct authority and are timely.
• Ascertain that credit exposure to counterparty groups for regulatory and policy compliance.

Credit Structure & Risk Assessment

• Assess alignment of credit structure with purpose and repayment sources.
• Evaluate borrower's repayment ability and financial condition.
• Ensure internal ratings are model-aligned and refreshed annually.
• Assess early warning signals and elevate vulnerable accounts.

Collateral & Documentation

• Verify completeness and enforceability of loan documentation.
• Assess collateral valuation complies with policy and reflects accurate market conditions.

Post-Approval Monitoring

• Assess compliance with approved terms and conditions.
• Ensure accurate data capture and system integrity.
• Flag deteriorating accounts for priority review.

Operating Rhythm

• Lead monthly thematic and individual account reviews.
• Coordinate with guest reviewers and relevant units for data verification and resolution.
• Report findings monthly to division heads and quarterly to governance committees (GCC & BRMC).

Job Requirements

Education & Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or related field.
• Professional certifications (e.g., CFA, FRM, CPA) are an advantage.

Experience

• Minimum 15 years of experience in credit risk management, portfolio review, credit review or related roles within banking or financial services
• Strong understanding of regulatory requirements
• Strong product knowledge, eg in Lending & Trade Finance

Analytical & Problem-Solving Skills

• Ability to identify early warnings and vulnerable accounts within a portfolio
• Strong quantitative and qualitative analysis capabilities.
• Strong communication skills and ability to work with all levels

Additional Requirements

Develop, Engage, Execute, Strategise

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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