Experience

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  China Guangfa Bank

  • Jinan, Shandong, China

  • Corporate Banking Manager

    • Feb 2019 - Present
    • Jinan, Shandong, China

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  Industrial and Commercial Bank of China

  • China
  • Banking
  • 700 & Above Employee

  • Corporate Banking Manager

    • Sep 2017 - Jan 2019

    Description: Specialized in SME Loans、Project Loans. Responsibilities：-Develop and retain commercial business by meeting with prospects and existing customers to sell commercial loans and other bank products.-Gather financial and general business information; analyze applicants’ financial status, credit worthiness, guarantees and collateral evaluations to determine the feasibility of granting loans; analyze and disclose risks specific to each industry; participate in credit decision making.-Negotiate credit terms, such as spreads, loan repayment methods, guarantees, and collateral specifications with clients that meet customer needs and ICBC’s risk management requirements.-Ensure the operation compliance with applicable laws, regulations, and internal policies and procedures-Present credit proposals to senior management and credit approval department.-Communicate regularly with clients, acting as the point of contact, to ensure the timely and efficient processing and closing of loans; explain loan products, services, and credit options; and answer customers’ questions-Keep informed of industry changes, policies, trends, and best practices, and assess the potential impact on client’s business and commercial lending-Partner with other lines of business and departments to promote and cross-sell products and services, such as deposit, online banking, credit cards, payroll services -Gather information through multi-channels, such as government business registration website, publicity platform, local newspapers and business convention to maximize opportunities -Maintain technical and professional knowledge by attending training projects, obtaining relevant professional certifications (FRM candidate), reviewing professional publications and books, establishing personal networks, participating in professional societies

  • Personal Banking Manager

    • Sep 2016 - Jan 2019

    Description: Specialized in Home Mortgage Loan, Auto Loan, Credit Cards, Wealth Management.Responsibilities:-Maintain relationships with Real Estate Developers for acquiring mortgage applications-Evaluate Mortgage Applicants, Ensure smooth End-to-end Loan Processing-Account management for Real Estate Developers in line with Housing Committee，such as Supervision Accounts and EFTPOS

  • Duty Manager

    • Jan 2016 - Sep 2016

    Responsibilities:-Engage and discover customer needs on Branch entry-Acquire new to bank customer-Deepen Relationships with customers-Deliver service excellence-Promote digital solution to release teller's service burden-Complete retail banking sales-Support Branch operations

  • Bank Teller

    • Sep 2015 - Jan 2016

    Responsibilities:-Process daily payment transactions, including account openings, deposits, remittances, etc.-Provide quality services to customers.

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  China Everbright Bank

  • Bengbu, Anhui, China

  • Corporate Banking Assistant Intern

    • Jan 2015 - Mar 2015
    • Bengbu, Anhui, China

    -Responsible for the first check of Home Mortgage Loan cases-Financial analysis and credit reports

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  Bing Boy

  • Perth, Australia

  • Store Manager

    • Nov 2014 - Jan 2015
    • Perth, Australia

    Responsibilities:-New store establishment process, procurement and cost control-Daily operations and sales targets-Marketing strategy and channels-Recruitment and training

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  Watermark Glenelg

  • Adelaide, Australia

  • Kitchen Assistant (Part-time)

    • Aug 2012 - Apr 2013
    • Adelaide, Australia