Manager, Junior Credit Analyst , Private Bank & PFS Wealth (PBW) Credit

Role summary

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The role supports credit assessment and approval for Private Bank and PFS Wealth clients. Responsibilities typically include analysing financial statements, income, assets, liabilities, repayment capacity, collateral and overall client risk; preparing credit proposals; reviewing credit documentation; and ensuring lending decisions comply with UOB policies and regulatory requirements. Candidates are generally expected to hold a degree in finance, accounting, economics or a related discipline, with experience in credit analysis, financial spreading, banking or risk assessment. Strong knowledge of lending principles, attention to detail, sound judgement, communication skills and the ability to work with relationship managers and credit stakeholders are important. Experience with high-net-worth clients, secured lending or wealth-management products would be advantageous.

About the employer

United Overseas Bank (UOB) is a major Singapore-headquartered banking group with operations across Singapore, Malaysia, Indonesia, Thailand, Vietnam, China and other international markets. Established in 1935, the bank provides personal and business banking, wealth management, commercial banking, corporate finance, investment banking, treasury and capital-markets services. UOB serves individual customers, affluent and high-net-worth clients, small and medium-sized enterprises, and large corporations. Its Private Bank and PFS Wealth businesses provide tailored banking, financing, investment and advisory solutions to wealthy individuals and families. UOB is recognised for its strong regional franchise, broad ASEAN presence and focus on relationship-led banking. Employees typically work in a regulated, performance-oriented environment that values risk awareness, collaboration, customer service and professional development.

Working in Singapore

Singapore is a compact, highly connected island city-state and a major regional centre for banking, wealth management, technology, logistics and professional services. Job opportunities are strongest in finance, compliance, risk, data, technology, healthcare, engineering and regional headquarters functions. The culture is multicultural and generally efficient, polite and work-focused, with English widely used in business. Life is convenient, safe and urban, offering excellent public transport, diverse food, shopping, parks and easy regional travel. Housing can be expensive, particularly near the central business district, while public transport makes commuting practical. Foreign professionals usually need an employment pass sponsored by an eligible employer; approval depends on salary, qualifications and government criteria. Families may explore dependant passes and international schools. New arrivals should budget for rent, deposits, healthcare, transport and daily expenses, and check current Ministry of Manpower requirements before relocating.