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 (Retail) function is responsible for performing comprehensive credit assessments and documentation verification for retail mortgage application. This includes evaluating borrower-provided information, publicly available data, and the lender's assessment of the borrower's credit requirements and repayment capacity. Reviews are conducted in alignment with regulatory guidelines and the Bank's internal credit policies to ensure sound credit decisioning and risk management.

Job Description For 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 documentations 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 verse in Microsoft programs especially 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

University-Bachelor,

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 documentations 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.

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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Credit Reviewer

Senior Officer / Manager, Credit Reviewer