Senior Vice President

• Mar 2022 - Present

Vice President Credit Risk Management

• Oct 2014 - Dec 2022

• Performing analysis and assessment of the risks associated with the Branch’s credit applications in a timely and accurate manner.• Actively managing the Branch’s credit portfolio through regular review of credit files, careful review and control of documentation and security and on-going monitoring and reporting of asset quality.• Identifying early risk warning signals and ensuring accuracy of ratings and risk classifications through identification of changes in account quality.• Providing the necessary support and assistance to the marketing team in promoting customer relationship and achieving business growth and profitability targets.

Senior Analyst, Borrowing Team-QAT

• Apr 2011 - Oct 2014

• Assessed Testing projects to determine the risk of releasing the code into the current test environment.• Continually evaluated priorities for various projects in response to frequent directional changes and take decisive action as required.• Assessed the results of QAT tests and take appropriate action; work closely with the development group to resolve defects; escalate issues to management when necessary; make recommendations to release the code to Production. • Assessed Testing projects to determine the risk of releasing the code into the current test environment.• Continually evaluated priorities for various projects in response to frequent directional changes and take decisive action as required.• Assessed the results of QAT tests and take appropriate action; work closely with the development group to resolve defects; escalate issues to management when necessary; make recommendations to release the code to Production.

Senior Approver-SVP, China Credit

• Feb 2007 - Feb 2010

• Managed a portfolio of over 40 multinational and large corporate relationships with credit facilities including syndicated and bilateral loans and trading/derivative lines • Provided prompt and timely concurrence or rejection for transactions within the assigned discretionary lending limit• Analyzed credit applications accurately and made sound recommendations before submission to Managing Directors and Credit Committee • Ensured ongoing portfolio quality through quarterly/monthly financial analysis, industry trend reviews and discussions with field officers• Identified early risk warning signals and ensured accuracy of ratings through identification of changes in account quality• Developed strong working relationships with corporate banking partners and Managing Directors in Greater China Credit

Senior Credit Officer

• Apr 2005 - Jun 2006

• Processed credit renewal following procedures relative to changes in borrower risk rating, early warning signals, covenant breaches, margin deficits• Reviewed credit documentation ensuring conformity with approved credit terms and conditions • Supported the credit needs of Account Managers and their clients in the operation process • Processed credit renewal following procedures relative to changes in borrower risk rating, early warning signals, covenant breaches, margin deficits• Reviewed credit documentation ensuring conformity with approved credit terms and conditions • Supported the credit needs of Account Managers and their clients in the operation process

Credit Approver, Credit Approval Department

• Apr 1994 - Aug 2004

• Analyzed and evaluated risks associated with the bank’s corporate banking credit applications. • Approved or rejected credit applications within authorized limits ensuring that credit standards of the bank were respected• Proactively involved in the internal training programme through writing the lending guidlines on credit assessments relating to trade finance and giving presentations at training classes • Analyzed and evaluated risks associated with the bank’s corporate banking credit applications. • Approved or rejected credit applications within authorized limits ensuring that credit standards of the bank were respected• Proactively involved in the internal training programme through writing the lending guidlines on credit assessments relating to trade finance and giving presentations at training classes