Job Description

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.

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We are seeking a highly experienced and analytical VP, Credit Analyst to join our team at UOB China Ltd. This role involves performing comprehensive credit risk assessments of corporate clients, contributing to sound lending decisions, and maintaining a high-quality loan portfolio.

Job Responsibilities**

* Conduct in-depth financial analysis of corporate clients, including reviewing financial statements, business models, industry trends, and management capabilities.
* Prepare comprehensive credit proposals and reports, providing well-reasoned recommendations on loan applications, credit limits, and facility structures.
* Perform ongoing monitoring of existing loan portfolios, identifying potential risks and recommending appropriate mitigation strategies.
* Engage with clients to gather necessary information, clarify financial data, and understand their business operations.
* Collaborate closely with relationship managers, risk management, and legal departments to ensure credit decisions align with bank policies and regulatory requirements.
* Stay abreast of economic developments, industry trends, and regulatory changes impacting the credit landscape in China.
* Participate in credit review committees and present credit proposals effectively.
* Assist in the development and implementation of credit policies and procedures.
* Train and mentor junior credit analysts within the team.

Job Qualifications**

* Bachelor's degree in Finance, Accounting, Economics, or a related quantitative field. A Master's degree or CFA designation is highly preferred.
* Minimum of 8-10 years of experience in corporate credit analysis within a reputable financial institution, preferably in the banking sector in China.
* Strong understanding of financial modeling, accounting principles, and credit risk assessment methodologies.
* Proficiency in analyzing complex financial statements and cash flow projections.
* Excellent written and verbal communication skills in both English and Mandarin Chinese.
* Strong analytical, problem-solving, and decision-making abilities.
* Ability to work independently and as part of a team in a fast-paced environment.
* Familiarity with local regulatory requirements and market practices in China's banking industry.
* Proven track record of managing a diverse portfolio of corporate clients.

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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