Executive Director, Credit Approver for Group Credit FI

United Overseas Bank; Singapore; On-site; SGD 100,000 - 150,000; Full time

Job summary

A leading regional bank in Singapore seeks an experienced credit risk management professional. This role requires over 20 years of experience, strong analytical skills, and expertise in trade finance and transaction banking. Responsibilities include evaluating credit proposals, monitoring portfolio quality, and ensuring compliance with regulatory guidelines. Candidates should have a relevant Bachelor's Degree and effective communication skills. Fluency in English is essential, with Chinese as an advantage.

Qualifications

• Minimum 20 years of relevant credit risk management experience, including several years as a relationship manager.
• Experience in analyzing and approving FI credits, particularly NBFI names.
• Knowledge in trade finance, transaction banking, and global market products.

Responsibilities

• Review and evaluate credit proposals to recommend appropriate credit decisions.
• Monitor portfolio quality and recommend actions based on analysis.
• Conduct due diligence meetings to support credit decisions.

Skills

Credit risk management

Strong understanding of credit principles

Effective communication skills

Fluent in English

Chinese proficiency

Education

Bachelor's Degree or higher

Job description

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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

• Review and evaluate credit proposals based on relevant information and recommend appropriate credit decisions to mitigate key risks and protect borrowers' repayment ability.
• Review and approve internal rating proposals and provide input towards improvement of the internal rating models and their robustness.
• When awarded with Credit Discretionary Limit, exercise such authority with integrity and in a prudent manner.
• Keep abreast of regulatory updates, and ensure that all credit approvals comply with applicable regulatory guidelines as well as internal policies and procedures.
• Monitor portfolio quality and recommend forward‑looking action.
• Participate in bank‑wide regular and ad‑hoc portfolio reviews and stress‑tests to identify potentially vulnerable accounts and recommend appropriate actions.
• Conduct due diligence meetings to ensure a better understanding of relevant risks to support credit decisions.
• Lead/assist in ad hoc projects as required.

Coverage: Sovereigns and sovereign‑owned entities as well as global financial institutions (i.e. banks, non‑bank financial institutions, such as finance companies, securities companies/brokers‑dealers, insurance companies, asset management companies) with a focus on ASEAN.

Requirements

• Bachelor's Degree or higher.
• Minimum 20 years of relevant credit risk management experience, including several years as relationship manager.
• Strong understanding of credit principles, experienced in analyzing and approving FI credits, in particular NBFI names.
• Good knowledge in trade finance, transaction banking, and global market products and the relevant documentation.
• Effective communication skills.
• Fluent in English (written and spoken); Chinese (written and spoken) will be an advantage.
• High level of integrity and a team player.
• Self‑motivated and able to work under pressure.

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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