SVP, Corporate Credit Evaluation & Approver

About the Company

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, 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 and we are guided by our values – Honorable, Enterprising, United and Committed.

Responsibilities

• Approve corporate credit proposals within the assigned Credit Discretionary Limit (CDL) and evaluate proposals with clear, well‑reasoned recommendations for cases exceeding CDL.
• Maintain turnaround time per SLA with Corporate Banking without compromising the thoroughness, completeness and quality of credit evaluation and compliance with credit policies.
• Review and approve credit ratings, including rating overrides and documented override rationales where not subject to CDL approval.
• Be individually accountable for NPLs attributable to approvals/evaluations (no adverse finding of NPL post‑mortem accountability report).
• Ensure full compliance with Credit Acceptance Guidelines, risk‑based pricing principles, limit caps, and appropriate application of CDL; review and assess credit exceptions and higher specific CDL cases to ensure risks are identified and mitigated.
• Assess Industry Code, Country of Risk classification, and ESG risk assessment and classification.
• Ensure approved limits, collateral and key terms are accurately reflected and updated in the Credit Approval System (CAS) or Credit Master (CMT).
• Attend Credit Committee meetings (UOBT Credit Committee and EXCO) for cases evaluated or recommended; provide clear credit perspectives, risk assessments, and responses to committee queries.
• Act as a trusted credit advisor to Business Units by providing guidance on credit proposals and transaction structures; support early engagement with BU to proactively identify and address potential credit issues.
• Participate in monthly meetings with Business Units, Credit Review, and Special Asset Management (SAM) to review weak and vulnerable loans and provide credit input, risk insights, and recommendations for early remediation and portfolio risk management.

Qualifications

• Bachelor’s degree or higher in Finance, Accounting, Economics, Business Administration, or a related discipline.
• Minimum 12–15 years of experience in corporate credit analysis, credit evaluation, or credit approval within a banking or financial services environment.
• Proven experience in credit approval authority with clearly defined Credit Discretionary Limits (CDL) for corporate or wholesale banking portfolios.
• Strong knowledge of corporate credit risk assessment, financial analysis, risk‑based pricing, credit structuring, and collateral evaluation.
• Solid understanding of credit policies, Credit Acceptance Guidelines, regulatory requirements, and internal governance standards.
• Experience presenting and defending credit proposals and recommendations at Credit Committee and senior management forums.
• Familiarity with ESG risk assessment, industry risk classification, and country risk considerations.
• Strong stakeholder management and communication skills, high integrity, sound judgment, and ability to make well‑reasoned decisions under pressure.

Additional Information

• หมายเหตุ : ธนาคารมีความจำเป็นจะต้องดำเนินตรวจสอบและเก็บข้อมูลประวัติอาชญากรรมของผู้สมัครในตำแหน่งงานนี้เพื่อตรวจสอบคุณสมบัติหรือลักษณะต้องห้ามตามนโยบายของธนาคาร
• Remark: The Bank requires the checking and collection of criminal records for candidates of this position in order to verify qualifications and/or disqualifications for the job position in accordance with the Bank’s policy.
• UOB is an equal opportunity employer and does not discriminate based on age, race, gender, colour, religion, sexual orientation, physical or mental disability, or other non‑merit factors. If you require any assistance or accommodations for the recruitment process, please inform us when you submit your online application.
• Apply now and make a difference.