Christine Chen

I enjoy engaging with customers, understanding their needs Customer-focused professional with strong communication and interpersonal skill, and providing reliable support. Dedicated to completing tasks efficiently while ensuring high levels of customer satisfaction and service quality. Experienced banking and auto finance professional with over 20 years of experience in hire purchase operations, loan administration, motor insurance claims, and automotive dealership management.

Strong expertise in HP disbursement, collateral creation, loan processing, settlement computation, and remittance operations. Highly meticulous in financial reconciliation, compliance, and documentation control. Proven ability to liaise effectively with Relationship Managers (RM), dealers, insurers, and customers to ensure smooth operations and timely processing.

Senior Executive – Auto Finance Operations at HL Bank (2023-02 – 2026-08)

• Process new HP accounts, including disbursement and collateral creation.
• Ensure accurate posting of payments (G3 Fast, IB, inward remittance, cheque, cash).
• Compute and issue full settlement letters for hirers.
• Prepare Statements of Account and Certificates of Release.
• Perform audit confirmations and manage audit fee charges.
• Handle credit/excess/waiver refunds.
• Monitor account closures and refund processing.
• Perform end-of-day financial balancing (cash, cheque, MEPS, IB).
• Generate GIRO approval/rejection letters and re-fire unsuccessful deductions.
• Liaise with Collections team for unidentified funds or closed accounts.
• Process payments for towing, repossession, storage, and legal fees.
• Create Block Discounting, Blanket, and Floor Stock accounts.
• Perform loan drawdown, rollover, and repayment processing (business, machinery, investment loans).
• Liaise with RM and Finance on fund transfers and reconciliation.
• Monitor daily cash management and generate daily reports.
• Account opening and closure.
• Verify signatures and documentation.
• Generate morning reports and update RM.
• Process outward remittances (MT103, MT103/202COV, MT199 via SWIFT/MEPS).
• Handle Murex and GL Transit entries.
• Conduct KYC checks and client account verification.
• Liaise with Treasury and RM on remittance matters.

Senior Officer – Loan Administration at Singapura Finance Ltd (2022-01 – 2023-02)

• Performed HP and Block Discounting loan drawdowns.
• Created loan accounts and prepared monthly installment calculations.
• Processed Letters of Offer, Review Letters, and Supplementary Letters.
• Conducted arrears, limit, and credit review checks prior to disbursement.
• Linked/de-linked collateral and guarantors.
• Managed GIRO arrangements and reversals.
• Prepared disbursement letters and monitored loan progress.
• Acted as Maker and Checker for loan processing.

Car Dealer Administrator / Workshop Claims Executive / Motor Insurance Agent at Twin Wheels Auto Trading Enterprise & MT Singapore Car Rental Pte Ltd (2003-01 – 2022-12)

• Managed LTA transactions (ownership transfer, number plate retention, COE renewal, de-registration, PARF/COE rebate).
• Submitted loan applications to banks/finance companies.
• Coordinated HP settlements and documentation.
• Ensured timely renewal of road tax and insurance.
• Processed sales invoices and maintained vehicle inventory records.
• Generated motor insurance quotations and processed new policies, renewals, endorsements, and cancellations.
• Liaised with underwriters on appeals and referrals.
• Advised customers on claims procedures and policy interpretation.
• Managed 3rd party and own damage claims.
• Prepared repair estimates and negotiated with loss adjusters.
• Submitted claims via Merimen and eBao systems.
• Coordinated with insurers including NTUC Income, AIG, AXA, Tokio Marine, Liberty, and others.
• Ensured accident reports (SAS) were filed within 24 hours.
• Monitored repair progress and provided customer updates.
• Prepared leasing agreements and invoices.
• Monitored rental payments and GPS tracking.
• Managed vehicle issuance and return.
• Performed monthly bank reconciliation.
• Prepared GST submissions and tax computations.
• Managed payroll, CPF, IR8A, and work permit renewals.
• Handled accounts payable/receivable and bank reconciliation.

Workshop Controller at Ananda Engineering Pte Ltd (City Cab Pte Ltd) (2001-01 – 2004-12)

• Issued job sheets for taxi repairs and maintenance.
• Managed spare parts ordering and inventory.
• Maintained taxi job card records and downtime tracking.
• Prepared taxi meter analysis reports.
• Handled customer service for taxi drivers.

Diploma in Business Administration – BMC Academy Singapore (2006)

Certificate in Personal & Commercial General Insurance (BCP, PGI, ComGI) – Singapore College of Insurance (2007)

Diploma in Computerised Accounting – Omega International College (2012)

SPM (O-Level Equivalent) – S.M.K.

Kuala

Perlis (2000)