SVP, Corporate Credit Evaluation & Approver

Approve corporate credit proposals within the assigned Credit Discretionary Limit (CDL).

Evaluate credit proposals and provide clear, well‑reasoned recommendations for cases exceeding CDL.

To maintain turnaround time as guided by Service Level Agreement (SLA) with Corporate Banking (CBK) without compromising on the thoroughness, completeness and quality of credit evaluation and compliance with credit policies. Regardless of turnaround target, credit evaluation must not compromise on the thoroughness, completeness and quality of credit evaluation.

Review and approve credit ratings, including rating overrides and documented override rationales, where not subject to CDL approval.

No adverse finding of NPL post-mortem accountability report (Individual credit approver is accountable for his/her share of NPLs attributable to his/her approval/evaluation)

Ensure full compliance with Credit Acceptance Guidelines, risk‑based pricing principles, limit caps, and appropriate application of CDL.

Review and assess credit exceptions, including cases resulting in higher specific CDL, to ensure risks are properly identified and mitigated.

Assess the appropriateness of Industry Code, Country of Risk classification, and ESG risk assessment and classification.

Ensure that approved limits, collateral, and key terms and conditions are accurately reflected and updated in the Credit Approval System (CAS) or Credit Master (CMT).

Attend Credit Committee meetings (UOBT Credit Committee and EXCO), particularly for cases evaluated or recommended by the role holder.

Provide clear credit perspectives, risk assessments, and responses to committee queries.

Act as a trusted credit advisor to Business Units (BU) by discussing and providing guidance on credit proposals and transaction structures to improve efficiency and reduce turnaround time.

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.

Provide credit input, risk insights, and recommendations for early remediation and portfolio risk management.

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.

Good familiarity with ESG risk assessment, industry risk classification, and country risk considerations.

Strong stakeholder management and communication skills, with the ability to engage effectively with Business Units, Credit Review, and Special Asset Management.

High level of integrity, sound judgment, and ability to make well‑reasoned decisions under pressure.