Senior Officer, Credit Associate

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 Credit and Risk Management function is comprised of three teams: Risk Management, Credit, and Special Asset Management. We manage the risks arising from the Group’s business activities within the risk appetite established by the Board. This involves identifying and evaluating the risks, developing effective risk governance and strategies, as well as providing independent assessment of the overall risk profile.

Job Responsibilities

Client Services (Credit) - Collections is responsible for interacting with clients, either directly or indirectly, in support of sales, trading, relationship management, or portfolio management activities. The Collections area is responsible for collecting delinquent accounts and rescheduling payments, as necessary, to minimize delinquencies and foreclosures.

• Call Customer to demand for total outstanding balance (Provide information of payment amount and due date to minimize risk exposure)
• Negotiate with customer on repayment programs if they are unable to fulfill payment obligation (Risk Mitigation programs)
• Review for legal proceedings (Originating Claim, Statutory Demand etc) to demand for outstanding balance
• Attending to customer’s account enquiries and rendering prompt services on their request
• Follow up with customer via various communication tools (E.g telephone, SMS, Letters, etc)
• Update conversation with customer in collection system
• Working together with supervisors & peers in solving irregular cases

Job Requirements

• Making calls in the range of 200 to 250 daily
• Meeting and exceeding KPI set by management

Attributes/Personality Traits Required:

• Customer Focus
• Good Team Player & Result Driven
• Has integrity in her/his area of work
• Independent, Responsible & Committed
• Able to multi-task and work on demand

Skills/Technical Ability Required:

• Knowledge in Microsoft Words, Excel & PowerPoint
• Good Interpersonal and Communication Skills
• Good Analytical Skills
• Good Negotiation Skills
• Good Writing Skills

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.