Experience

Ping An Bank Co., Ltd.

• China
• Banking
• 300 - 400 Employee

• Senior Credit Risk Manager

  • Aug 2021 - Present



Chiyu Banking Corporation Limited

• Hong Kong
• Accounting
• 100 - 200 Employee

• Head

  • Jun 2020 - Jul 2021

  - Head of the General Office Division in Risk Management Department- Also acted as the Project Manager of Loan and Credit Modules, responsible to replace all the existing systems of the Bank, included but not limited to Core-Banking System, Credit Management System, Collateral System, Limit Control System, RiskAuthority System, Murex Limit Control System, etc.- Responsible to all the general activities of the Risk Management Department. - Handled inquiries and audits of the regulatory authority (i.e. Hong Kong Monetary Authority (“HKMA”), internal auditor and external auditors (i.e. KPMG, EY)- Modified and/or revised the bank’s credit policies and manuals to ensure that they were complied with all guidelines and circulars issued by HKMA.



OCBC

• Singapore
• Banking
• 700 & Above Employee

• Credit Risk Manager

  • Jul 2016 - Jun 2020

  - Managed a team of 9 subordinates- Handled inquiries and audits of the regulatory authorities (i.e. Monetary Authority of Singapore (“MAS”) and HKMA), internal auditor and external auditors (i.e. KPMG)- Designed and formulated credit monitoring control procedures, present and seek approvals from Credit Committee- Studied the risk components, reviewed relevant credit portfolio reports and fulfilled monitoring processes related to regulators’ (i.e. HKMA & MAS) requirements- Modified and/or revised the bank’s credit policies and manuals to ensure that they were complied with all guidelines and circulars issued by HKMA and MAS. Presented and seek approvals from Credit CommitteePost-disbursement Credit Monitoring- Managed the team to perform Early Alert Checking- Chaired the monthly Loan Review Committee Meeting and was responsible to prepare and present to the Chief Executive Officer and the Board Members after the credit issues of the Bank.- Reviewed and revised the credit monitoring procedures and policies- Reviewed responses from relationship managers (“RM”)- Advised RM and credit approvers to downgrade / upgrade obligor grades and loan classifications of problematic and/or weak borrowers.Pre-settlement Credit Exposure Monitoring on Structured Derivatives(i.e. ELN, SID, Accumulator, Decumulator, Ratio Par Forward, NDF, IRS, etc) :- Managed a team to monitor pre-settlement counterparty credit exposure ofthe treasury products- Controlled the mark-to-market loss of the contracts- Project Manager of automation of Loan Classification and Provision System Project- Prepared project plan and budgets and presented in the Management Committee- Collected and reviewed user requirements. Liaison with ITD and users.- Reviewed functional specifications and prepared the UAT plans for the Project.- Monitored the progress of the Projects to ensure the Projects can meet tight schedules.- Reported to Management Committee monthly about the enhancement Project



Wing Lung Bank

• Banking
• 100 - 200 Employee

• Assistant Vice President (Basel IRB implementation)

  • Jan 2014 - Jul 2016

  - Provided ideas and solutions to solve problems. (i.e.: method to call scorecards, reports logic). Ensured functional and features are ready for the coming launch of CBS System.- Liaised and provided users' requirements to re-develop various of MIS reports and to facilitate the development of the General Credit System.- Prepared functional specification and process workflows for use of internal ratings - Drive and deploy the use of IRB applications for both retail and corporate exposure portfolios including risk-based pricing and limits, override rules, post-disbursement monitoring, retail A & B scores usage. - Enhance credit risk management framework with IRB applications for areas in portfolio management and credit control. Working with CMD on policy making. Review and revise the bank’s lending policy according to HKMA Supervisory Procedure Manual and Banking Ordinances. - Worked with business units on strategic planning and applications. Working with modelling team on business adoption and RWA team on capital calculation and reporting, Compliance and Internal Audit on self-assessment. Update senior management regularly on the Bank’s Basel accreditation progress.- Assist the Bank to compliant with the regulatory requirements on IRB “Use Test”. Assist management in set-up and periodical review/revision of credit risk control function related policies, and monitor the implementation, as assigned. Assist management in oversight of internal credit rating system through review of regular model performance monitoring report, as assigned.- Internal coordination for the self-assessment of various internal / external compliance requirements and necessary change process as a result of regulatory / policy update. Participate in credit risk management related projects for the implementation of Basel II credit risk, as assigned. Coordinate and monitor the production and analysis of regular management reporting to credit risk for management oversight and monitoring.



Arrow Asia Pac Ltd

• IT Services and IT Consulting
• 100 - 200 Employee

• Business Process Manager

  • Oct 2012 - Jan 2014

  - Participated and supported the corporate ERP (Oracle EBS) and BI application rollout project for the North Asia region- Associated data management activities including data analysis, migration and integration.- Provided 1st line application support, in cooperation and coordination with business organizations, IT function teams and global IT ERP and BI teams - Provided functional analysis of business requirements and take part into improvement process and project assignments. - Translated business requirements into functional and technical specifications- Provided ad-hoc workarounds or structural corrections proposal to regional Business Applications Team on functions and features issues or deficiencies- Perform application testing, user training as according to business requirements and prioritiesGood communicator with business users and IT team on project support and issues resolution- Performed data analysis on the sales volume



DBS Bank

• Singapore
• Banking
• 700 & Above Employee

• Credit Control Manager

  • Oct 2007 - Apr 2012

  - Performed Early Alert Checking: Escalated ageing accounts irregularities, Performed litigations, discrepancies and bankruptcies checks, Machineries Inspections on equipment finance, etc.- Pre-settlement Credit Exposure Monitoring on Structured Derivatives (i.e. ELN, SID, Accumulator, Decumulator, Ratio Par Forward, NDF, IRS, Securities etc) : - Monitored the pre-settlement credit exposure for treasury products, Controlled margin call for securities, forwards and option trading, Lead team members to conduct daily margin calls - Understand risk components, prepared relevant credit portfolio reports and fulfil monitoring processes according to regulatory (HKMA & MAS) requirements - Engaged and worked with Legal Compliance, Credit and Business to design the monitoring procedures and policies on new and existing products and programs. - New processes were re-established to manage and mitigate risks and implemented sound controls. As a result, work processes became more effective and efficient. Even though 2 headcounts were cut with more new tasks were added, work-hours of my team had improved from 22:00 to 18:00 (on average). - Improved delinquency ratio: performing loan delinquency ratio reduced sharply and kept in low level even during and after the global financial crisis in 2008 - Zero audit issue: ensured adequate controls are in place on various monitoring functions as stipulated in operation manuals - Handled new system implementation projects General Credit System, Avaloq System for Private Banking Credit, MUREX Limit Control System - Conversant with various source system operations and sufficient technical know-how of system development- Supported in various system enhancements in relation to credit applications and processes - Designed new workflows to facilitate the launch of the new systems - Prepared scenario test cases and performed UAT - Designed and automated new management and/or monitoring reports inbuilt in those systems



Sun Microsystems

• United States
• IT Services and IT Consulting
• 700 & Above Employee

• Business Analyst

  • Oct 2005 - Apr 2007

  - Being one of the management team members of Storage Sales Team and participated in various sales management meetings - Integration Projects were held followed by an acquisition of Storage Technology Co (“STK”) by Sun Microsystems in 2005: Participated in the following projects: - The Global Single Price List Integration Project - The APAC Deal Management Hub Project - Project for developing the DMP Tool and ERP System for APEC Sales and operation systems migration Projects - Supported the development of new analytical tools for Storage Products - Assisted in and liaised with the salesmen of STK to transfer from direct sales model to indirect sales model in Sun Microsystems - Provided support to ensure a smooth operation in the legacy STK throughout the integration, such as - Monitored the Sales pipelines and revenues - Worked as a channel salesman for 4 months - Ensured orders were placed on-time throughout the integration - Conducted transaction margin analysis for storage product sales - Calculated incentive bonuses for Storage Sales Team - Prepared various of management reports - Conducted in-depth performance tracking for Storage Sales Team- Prepared P&L on storage sales for integrating into Sun Microsystems Finance



Silver Elm Business Information Ltd

• Supervisor

  • Feb 2002 - Mar 2005

  - Worked directly in the Chairman’s office (and reporting directly to the Chairman) in providing analytic and strategic advice on both corporate management and development - Performed crisis management, business trend analysis to mitigate and prevent corporate risks - Proposed and implemented improvements in workforce and operation procedures of each functional department - Conducted various projects’ cost and benefit analysis, and profit and expense analysis of the company - Monitored the day to day management of business performance - Designed, implemented and calculated commission schemes - Assisted in the development of Taipei and Kaohsiung branches, and had stationed in Taiwan offices for over 12 months - Acted as the Branch Manager in Guangzhou branch for 6 months. Revamped the business in Guangzhou, which helped increased the branch’s total revenue by 9.87 times within 6 months. - Reviewed and monitored the daily operations procedures of unit teams to ensure smooth and effective work-flow in the region to achieve business result - Ensured departmental compliance to predetermined standard of the departments - Revamped existing and executed new workflows and operations - Monitored the performances and prepared evaluation reports for the Chairman - Acted as an intermediate (Business Analyst) between IT department and end users of all departments and participated in launching an in-house designed ERP system - Designed new workflows, simulation tests, code and practices for new projects - Designed system improvement, prepared test plans and carried out system UAT testing - Prepared functional specification for the UR - Provided coaching, demonstration and presentation to users - Review and document execution of business initiatives to comply with ISO9001:2000



CEIC Data

• United Kingdom
• Information Services
• 100 - 200 Employee

• Research Analyst

  • Jan 2001 - Nov 2001

  - Handled general and ad hoc inquiries from clients - Liaised with the Reuters, Standard & Poor’s and our overseas offices - Analysed and classified daily corporate announcements and financial reports of the listed companies - Prepared on-going data managing, maintenance and administration - Handled general and ad hoc inquiries from clients - Liaised with the Reuters, Standard & Poor’s and our overseas offices - Analysed and classified daily corporate announcements and financial reports of the listed companies - Prepared on-going data managing, maintenance and administration



ACNielsen (China) Ltd

• Senior Research Assistant

  • Nov 1999 - Aug 2000

  - In-charged the database of 13 major categories – consumer goods - Performed data consolidation, validation and analysis on the sales value and volume of the consumer goods - Ensured the quality and accuracy of reports - Handled independently on general and ad hoc inquiries from clients - Performed on-going data managing, maintenance and administration - In-charged the database of 13 major categories – consumer goods - Performed data consolidation, validation and analysis on the sales value and volume of the consumer goods - Ensured the quality and accuracy of reports - Handled independently on general and ad hoc inquiries from clients - Performed on-going data managing, maintenance and administration



Hong Kong Monetary Authority (HKMA)

• Banking
• 700 & Above Employee

• Clerk

  • Sep 1998 - Nov 1999

  - Monitored and performed reviews on compliance progress on the preparedness of the Year 2000 Compliance Progress - Consolidated data, performed preliminary analysis and prepared monthly statistical reports on Year 2000 compliance progress for the Financial Services Bureau and HKMA - Liaised with overseas central bankers and Consultant Generals on cross border communications and performed research for the Hong Kong Association of Bankers for preparing the proposal on millennium transition holiday at 31-Dec-1999 - Assisted in the development of a web page of HKMA on report Y2K (http://www.info.gov.hk/hkma/eng/y2k/index.htm) - Drafted preliminary reports and letters for supervisors - Monitored and performed reviews on compliance on Code of Banking Practice, Residential Mortgage - -- Lending and Interest Rate Rules for all Authorised Institutions - Consolidated data, performed preliminary analysis and prepared monthly statistical reports