Mgr, Credit Analyst

Company: 5102 UOB China Ltd

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

Main Responsibilities:

• Lead and manage a team of credit analysts, providing guidance, training, and performance reviews.
• Conduct in-depth financial analysis of corporate clients, including assessing financial statements, business models, industry trends, and management capabilities.
• Prepare comprehensive credit proposals and recommendations for new credit facilities, renewals, and modifications, ensuring adherence to internal credit policies and regulatory requirements.
• Evaluate and assign appropriate credit ratings to borrowers based on established methodologies.
• Monitor portfolio performance, identify early warning signs of deterioration, and recommend proactive risk mitigation strategies.
• Engage with clients to understand their financial needs and provide solutions while managing credit risk.
• Collaborate with relationship managers and other internal stakeholders to facilitate deal execution and client servicing.
• Stay updated on market developments, regulatory changes, and industry best practices in credit risk management.
• Participate in credit committee meetings and present credit recommendations effectively.
• Assist in the development and implementation of credit policies and procedures.

Job Requirements:

• Bachelor's degree in Finance, Accounting, Economics, or a related field. MBA or CFA designation is a plus.
• Minimum of 7 years of experience in corporate credit analysis within a banking or financial institution, with at least 3 years in a leadership or managerial role.
• Strong understanding of financial statements, accounting principles, and various credit products.
• Proven ability to conduct thorough financial modeling and risk assessment.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication and interpersonal skills, with the ability to articulate complex financial concepts clearly and concisely.
• Proficiency in written and spoken English and Mandarin Chinese.
• Solid knowledge of regulatory requirements and credit risk management frameworks.
• Ability to work independently and as part of a team in a fast-paced environment.
• High level of integrity and strong ethical standards.

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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