Manager

• Jul 2018 - Present

Senior Credit Officer

• Nov 2016 - Jul 2018

- Prepare daily call reports and issue margin/overdue calls to margin and cash clients.- Follow up clients’ payment with Sales Department. Execute force liquidation if appropriate.- Review and handle trading limit applications (temporary and permanent) from clients based on clients’ order and other factors. Update their trading limits regularly or ad hoc basis.- Prepare margin loan proposal with Sales Department and liaise with Sales Department with the content and arrangement in… - Prepare daily call reports and issue margin/overdue calls to margin and cash clients.- Follow up clients’ payment with Sales Department. Execute force liquidation if appropriate.- Review and handle trading limit applications (temporary and permanent) from clients based on clients’ order and other factors. Update their trading limits regularly or ad hoc basis.- Prepare margin loan proposal with Sales Department and liaise with Sales Department with the content and arrangement in their proposals. Provide credit risk assessment to Credit Risk Committee according to our own delegation. - Ensure accurate records for all approval of clients’ trading limits.- Participate in various UATs in system enhancement. Show more Show less

Associate in Credit Risk Management

• Apr 2016 - Nov 2016

- Prepare daily call reports for margin and cash clients.- Issue margin calls to remisiers and monitor their settlement for their calls. Record their settlement record for reviewing trading limits applications.- Review trading limit applications (temporary and permanent) from clients. Update their trading limits regularly or ad hoc basis.- Monitoring of those clients with concentrated positions in their accounts and assess their concentration risks.- Ensure accurate records for… - Prepare daily call reports for margin and cash clients.- Issue margin calls to remisiers and monitor their settlement for their calls. Record their settlement record for reviewing trading limits applications.- Review trading limit applications (temporary and permanent) from clients. Update their trading limits regularly or ad hoc basis.- Monitoring of those clients with concentrated positions in their accounts and assess their concentration risks.- Ensure accurate records for all approval of clients’ trading limits.- Participate in various UATs in system enhancement and prepare various report upon headquarters’ request. Show more Show less

Credit Risk Control Officer

• Oct 2015 - Apr 2016

- Supervise Dealing Dept. in liquidating clients’ position to lower the credit risk exposure. Monitor the liquidation to ensure execution of these orders.- Alert the management and review clients’ condition immediately to respond to any drastic price movements, trading suspension and credit events of the major collateral securities.- Handle trading limit applications from Customers’ Service Dept. by reviewing their portfolios, backgrounds, etc. Review these accounts monthly to update… - Supervise Dealing Dept. in liquidating clients’ position to lower the credit risk exposure. Monitor the liquidation to ensure execution of these orders.- Alert the management and review clients’ condition immediately to respond to any drastic price movements, trading suspension and credit events of the major collateral securities.- Handle trading limit applications from Customers’ Service Dept. by reviewing their portfolios, backgrounds, etc. Review these accounts monthly to update their trading limits. - Analyze the possible exposures (credit and market risks) in various issues of financial products to corporate clients.- Assign and update margin financing ratios HK stocks by using Bloomberg. Update the ratios regularly or in ad hoc basis to reflect current market condition. Review the ratio assignment model so it can reflect the market risk of various stocks thoroughly.- Report to the Chief Risk Officer for any drastic changes in clients’ loan level.- Prepare weekly and monthly MIS report to senior management. - Regularly review the credit policy with senior management and recommend any update to it.- Develop VBA programs to enhance the accuracy and efficiency for regular tasks. Show more Show less

Risk Control Officer

• Apr 2014 - Sep 2015

At Clients’ Level:- Prepare daily reports on the loan portfolio of the company about its credit risk level based on in-house indicators and clients’ data, and its market risk level based on the major collaterals deposited by my clients. Prepare additional reports on individual risky clients if necessary.- Monitor and perform follow-up actions on extremely risky clients (mostly margin clients) and those with pre-arranged treatments, including imposing interest penalties, suspending their… At Clients’ Level:- Prepare daily reports on the loan portfolio of the company about its credit risk level based on in-house indicators and clients’ data, and its market risk level based on the major collaterals deposited by my clients. Prepare additional reports on individual risky clients if necessary.- Monitor and perform follow-up actions on extremely risky clients (mostly margin clients) and those with pre-arranged treatments, including imposing interest penalties, suspending their account from purchasing securities and issuing margin call notifications. Alert my superior if their margin calls are not answered in a timely manner. Maintain their response record for periodic reviews of their credit and margin limits.- Approve or reject credit limit applications and special credit arrangements from account executives (AEs) and clients. Monitor the clients’ accounts with limits approved to ensure their accounts to abide by the terms agreed on their applications. Regularly review their limits to reflect their updated credit risk assessments. - Approve or reject AEs’ and clients’ trading orders after assessment of the orders’ impact on their accounts.- Enforce new credit policies and report any feedbacks from different AEs and clients.At Company’s Level:- Assign margin financing ratios of all eligible securities in HK based on various market factors to ensure the ratios effectively reflect the securities’ market risks and liquidity risks. Review the margin financing ratios quarterly and in ad hoc basis to reflect current market condition.- Monitor the loan portfolio of the company. List the major collaterals in margin clients’ accounts and monitor their price movements and public announcements. Report any drastic changes in collaterals..- Perform UAT for new trading and settlement systems. Show more Show less

Senior Dealing Officer

• Sep 2012 - Present

Dealing Officer

• Sep 2007 - Sep 2012