Senior Officer / Manager, Credit Reviewer

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

Credit Review (Retail) is responsible for conducting a detailed credit analysis based on information furnished by the borrower, publicly available information, the lender's evaluation of the borrower's credit needs, and the ability to pay across a range of products against credit standards set by the organization. The Credit Review / Underwriting focus specializes in performing credit reviews of loan portfolios. May identify underwriting weaknesses and suggest changes. Develops, maintains, and evaluates portfolios for compliance to firm-wide or business unit policies and regulations. May involve credit underwriting skills and wealth management responsibilities.

Role: 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 documentation 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 / Requirements

• Minimum 1-2 years of banking experience (preferably in mortgages)
• Aptitude in software programs and well-versed in Microsoft 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

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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