Experience

RHB Singapore

• Singapore
• Financial Services
• 200 - 300 Employee

• Senior Credit Risk Manager

  • 2021 年 7 月 - - 目前

  ~ Conduct credit risk evaluation and approve /reject or recommend for higher approval on credit applications submitted by Corporate Banking (‘CORP’), Commercial Banking (‘CB’), Financial Institutions Group (‘FIG’) and Personal Financial Services (‘PFS’), while identifying and addressing /mitigating all pertinent credit risk issues.~ Approve credit applications within ‘Delegated Lending Authority’ assigned or recommend to next higher approving level for approval in accordance with the DLA architecture set out.~ Review the ‘credit risk grade’ generated by business units and affirm or reject /override the credit grade with justification.~ Evaluate and approve, reject or recommend operational and administrative requests of CORP, CB, FIG & PFS customers such as variation of terms & conditions.~ Ensure that credit applications submitted are in line with the Bank’s credit guidelines & policy, rules and regulations as laid down in the Bank’s circulars and operations manuals, regulatory requirements (MAS Notices and Circulars, Banking Act).~ Conduct joint customer visits with business units to better understand risks pertaining to their credit applications and provide them guidance on structuring of credit facilities.



The Bank of East Asia, Limited (BEA)

• Hong Kong
• Banking
• 700 & Above Employee

• Credit Manager

  • 2015 年 3 月 - 2021 年 6 月

  ~ Undertake credit assessment of large corporates from Singapore and overseas regions such as Australia, utilizing both quantitative (financial projections) and qualitative methods~ Perform independent credit analysis of largs corporates fod both bilateral and syndication loans and, and make appropriate recommendations and highlight risk issues to front office and credit committee.~ Review monthly reports, e.g. portfolio triggers, follow-up actions, construction loans status, MAS TDSR.~ Perform periodic covenant checks, security monitoring, portfolio reviews, regular compliance checks on financial covenants on respective accounts, keeping management updated with any early warning signals.~ Ensure adherence to Credit/Compliance policies and applicable regulatory requirements.~ Monitor market developments to assess credit quality of corporate borrowers and perform ad-hoc special reviews and stress tests on specific industry sectors.~ Identify deterioration in credits through early detection and management of emerging risks and thus, minimize credit losses.



OCBC

• Singapore
• Banking
• 700 & Above Employee

• Credit Risk Approver – Emerging Market Business Risk

  • 2007 年 7 月 - 2015 年 3 月

  ~ Assess, evaluate and approve credit proposals for SMEs' Credit approvals for program products: Unsecured Business Loans, Commercial Property Loans, Equipment & Machinery, Trade financing~ Monitoring and controlling of daily account excesses and ensure that excesses are regularized; to take a pro-active role in highlighting potential signs of problematic accounts to Portfolio Management Team~ Responsible for scenario-based stress testing and monitoring the concentration and co-relation of risks between the different loan grades and identify ways to diversify risk that are influenced by various material factors~ Participation in projects linked to improving credit process efficiency in terms of cost effectiveness and automation~ High level of business partnership and engagement with various departments to ensure alignment and implementation of the strategic agenda as well as to ensure smooth and timely credit process~ Accountable for Risk Management strategy for Small Business Program Lending to support healthy asset growth within acceptable risk return appetite for Unsecured Business Loans; including review of program parameters, portfolio analysis, non-performing debt dashboard analysis, etc. Worked closely with Product Management & Marketing Team to successfully launch Overseas Business Term Loan, Business Smart Credit and Business First Loan for the Emerging Business Market Segment ~ Participated in the Regional Attachment of EmB SG Team with EmB MY; objective is to understand primarily the portfolio quality and credit risk management process of the Business Unit, look to identify and report on potential threats and opportunities to improve the effectiveness and efficiency of business processes~ OCBC Excellence Service Award (EXSA) 2014 Star Award Winner, 2013 Gold Award Winner and 2012 Silver Award, accredited by ABS~ Nominated for EmB Risk Star Performer for 2012 and 2011



Enterprise Singapore

• Singapore
• Government Administration
• 700 & Above Employee

• Manager (Incentives Management)

  • 2005 年 9 月 - 2007 年 5 月

  ~ Ensure efficiency of daily operations of the Business Support Unit pertaining to processing, servicing and disbursements of SME loan applications (asset-based and working capital facilities) and do credit compliance checks against statutory credit policies and guidelines.~ Review and formulate policies on financial assistance schemes such as Local Enterprise Finance Scheme (LEFS) and Local Enterprise Technical Assistance Scheme (LETAS) to help local SMEs in upgrading programmes and to assist them in gaining excess to financing. ~ Perform financial, operational and investigative audits on PFIs and local enterprises in accordance with professional standards. ~ Responsible for the creation and propagation of S$3.5 billion Loan Insurance Scheme Tranche 3 project tied up between IE Singapore, PFIs, credit insurance broker and underwriters.~ Appointed Treasurer of the Board’s Sports Committee – oversee financial budgetary issues arising from Sports.



Singapore 2006 International Monetary Fund World Bank Group

• Delegate Liaison Officer

  • 2006 年 9 月 - 2006 年 9 月

  ~ Represented SPRING Singapore to participate in the IMF Event.~ To assist the delegation specifically the Head of Delegation {Minister of State, Minister of Finance, Economy, Budget and Privatization (Gabon)} in all matters, including arrangements for arrival and departure, official meetings and functions, etc.~ To serve as the main point of contact between the delegation and the Singapore Secretariat. ~ Represented SPRING Singapore to participate in the IMF Event.~ To assist the delegation specifically the Head of Delegation {Minister of State, Minister of Finance, Economy, Budget and Privatization (Gabon)} in all matters, including arrangements for arrival and departure, official meetings and functions, etc.~ To serve as the main point of contact between the delegation and the Singapore Secretariat.



OCBC

• Singapore
• Banking
• 700 & Above Employee

• Credit Approver (Consumer Programme Lending)

  • 2004 年 8 月 - 2005 年 9 月

  ~ Handle the daily processing, approval and documentation of unsecured loan applications.~ Process all daily credit compliance checks for all unsecured loans against statutory and Bank’s internal credit policies and guidelines.~ Perform security documentation checks against legal guidelines and ensure that all internal workflow procedures and its control measures are strictly adhered. ~ Handle the daily processing, approval and documentation of unsecured loan applications.~ Process all daily credit compliance checks for all unsecured loans against statutory and Bank’s internal credit policies and guidelines.~ Perform security documentation checks against legal guidelines and ensure that all internal workflow procedures and its control measures are strictly adhered.