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.

Job Description

Job Summary**

Responsible for originating and processing mortgage loan applications, providing expert advice to clients, and ensuring compliance with bank policies and regulatory requirements for United Overseas Bank (Malaysia) Bhd.

Job Responsibilities**

Advise prospective clients on suitable mortgage products, including housing loans, refinancing options, and bridging loans, based on their financial needs and eligibility.
Conduct thorough credit assessments and financial analysis of applicants, including income verification, debt servicing ratio calculation, and property valuation.
Prepare and process mortgage loan applications accurately and efficiently, ensuring all necessary documentation is complete and submitted in a timely manner.
Liaise with internal departments (e.g., credit, legal, operations) and external parties (e.g., valuers, lawyers, real estate agents) to facilitate smooth loan processing and disbursement.
Maintain strong relationships with clients, providing ongoing support and addressing inquiries throughout the loan application process and beyond.
Stay updated on market trends, competitor offerings, and regulatory changes pertaining to mortgage products and housing policies in Malaysia.
Achieve sales targets and contribute to the bank's overall mortgage portfolio growth.
Ensure strict adherence to UOB's internal policies, credit guidelines, and Bank Negara Malaysia (BNM) regulations.

Job Qualifications**

Bachelor's degree in Business, Finance, Banking, or a related field.
Minimum of 2-3 years of experience in mortgage sales or loan origination within a financial institution, preferably in Malaysia.
Strong understanding of mortgage products, credit assessment principles, and property market dynamics in Malaysia.
Excellent communication, interpersonal, and negotiation skills.
Proven ability to build rapport with clients and achieve sales targets.
Meticulous with strong attention to detail and accuracy in documentation.
Proficient in Microsoft Office Suite.
Ability to work independently and as part of a team in a fast-paced environment.
Possession of relevant professional certifications (e.g., CEILI, PCE) would be an advantage.

Additional Requirements

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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