Dennis Bok

Credit Policy Manager @ Aeon Credit

Monitored portfolio performance through advanced analytics and data-driven insights and trends in non-starter (missing 1st payment), delinquency status, non-performing loan (NPL), write-off, profitability and proactively proposing policy adjustments to optimize risk-return trade-offs and mitigate potential further credit deterioration.
Collaborated closely with product development teams to design and execute credit strategies that supported business growth. (Successful project: AEON Biker Gold and Infinite Visa Card)
Actively involved and managed high-impact credit risk-related projects from inception (proposing credit criteria) to execution (business requirement documentation and UAT completion)

Credit Underwriter @ Allianz Trade

Proficient in assessing the creditworthiness of companies (from SME to listed entities) by analysing financial statements, balance sheets, income & cash flow statements to make informed underwriting decision within turnaround time target (3 working days)
Evaluating trade credit risk & determine appropriate coverage levels by having deep understanding on transaction nature – type of goods supplied, sectors, targeted country (for exports) & cash & payment cycles to determine if credit terms offered are relevant, delivery milestone & payment plan (for projects).
Effective written and verbal communication with brokers, clients, and internal stakeholders by providing clear explanations of underwriting decisions & making necessary adjustments to meet clients/ brokers’ requirement to maintain positive relationship.
Up-to-date knowledge of trade credit insurance regulations, ensuring all underwriting processes adhere to industry standards & current economic trend.
Familiar & using Tableau to present portfolio analysis to clients as well as presentation on latest economic trends (such as GDP, inflation, manufacturing index & consumer index), economic & political risk, latest outlook on 18 economic sectors & trend in insolvencies.
Public speaker for one of the seminar event at Matrade introducing trade credit insurance

Senior Credit Analyst @ Coface

Proficient in assessing & scoring companies (buyers) based on multiple credit metrics (liquidity, cash flow, profitability, adjusted EBITDA & equity buffer) as well as internal adjustment adhere to company’s guidelines & turnaround time.
Conducted interviews/ calls with buyers to obtain proprietary info as required by underwriters for better underwriting decisions.
Proactive monitoring & review on portfolio of local buyers to ensure correct & up-to date scoring based on latest requirement.
Spearheaded XML project on auto-scoring & underwriting decision.
Provided yearly assessment training to group of junior analysts.

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