Job Description

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.

About the Department

The Retail function provides Personal and Business Banking customers with financial solutions tailored to their needs. We help them manage their money wisely and meet their financial goals through an extensive range of products and services. These include deposit, insurance, secured and unsecured loans, investment and wealth advisory services.

Business Banking

We develop integrated products and services targeted at helping small and medium-sized enterprises across the region progress through different stages of growth. These include innovative solutions and initiatives in areas of working capital loans, operational efficiency and currency exposure.

Job Responsibilities

• Calls on clients to deepen relationships and proactively owning, responding to and anticipating any future needs, roadblocks or risks, leveraging internal resources to assist where necessary.
• Working closely with senior RMs, product specialists and subject matter experts across the bank to structure customized solutions that meet clients\' unique needs.
• Working closely with senior RMs to leverage the expertise and capabilities of other UOB businesses to better achieve mutual business goals together.
• Identifies cross-sell opportunities to deepen and increase share of wallet.
• Driving innovation in the solutions we provide clients and further developing our business where necessary and appropriate.
• Identifying and pursuing new clients aligned with UOB retail bank\'s value proposition.
• Being future-focused in thinking and planning ahead for ways UOB can differentiate itself from competitors.
• Staying connected with influencers, industry associations, thought leaders and senior business contacts to expand industry knowledge and deepen UOB retail bank relationship with these partners.
• Ensuring deals are structured to balance risk and reward, so teams\' incentives align with acting in the clients\' interests.
• Actively protects UOB\'s assets and reputation by being the first line of defense from credit risk management perspective.
• Ensuring that all activities are carried out to the highest ethical standard.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm\'s reputation and safeguarding UOBgroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Job Requirements

• Min 2 years relevant experience with customer acquisition experience.
• Sound knowledge of the underwriting process for products that require approval of credit exposure (Derivatives, Treasury, FX,Lending etc) and completes high quality spreads and analysis.
• Sound basic knowledge of all aspects of commercial banking including developing commercial credit knowledge and an ability to quickly learn new products and services.
• Demonstrates working knowledge of UOB Risk and KYC policies and practices.
• Demonstrates working knowledge of credit skills and Early Warning Detection.
• Demonstrates understanding of accounting principles, financial modelling and financial statement analysis.
• Ability to work effectively in team setting.
• Communicates views with clarity and confidence.
• Maintains contact with key stakeholders to proactively seek input as appropriate.
• Demonstrates self-control and maintains composure under pressure.
• Detail oriented with demonstrated organizational skills.
• Passion for creating new business opportunities with existing clients and able to demonstrate innovative approaches to meeting clients\' needs.
• Ability to embrace new technology and understand the role digital plays in the experience we deliver for our clients.
• Effectively contributes to the credit process on all clients deals under responsibility.
• Able to anticipate client requests/needs and resolves queries in a timely manner, leveraging internal resources.
• Demonstrates a natural curiosity about UOB, the economy, local markets and regions without preconceived notions or ideas.
• Must have a sharp business development focus and demonstrative innovative approaches.
• Demonstrates professionalism by being reliable, actively contributing in meetings, asking questions and challenging ideas.
• Bachelor\'s/University degree or equivalent experience.

Be a part of 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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