Jean T

Assistant Vice President / Vice President-level Corporate Loan Operations professional with over 20 years of experience specialising in hands-on processing of bilateral and syndicated loans. Strong expertise in loan drawdown, rollover, repayment, interest and fee processing, SWIFT payments, remittance, and reconciliation. Proven experience acting as checker / approver and managing makers while remaining actively involved in daily processing, operational controls, and SLA delivery.

Recognised for streamlining processes, strengthening control frameworks, and ensuring operational accuracy.

Manager A / Vice President - Loan Operations at China Merchants Bank, Singapore (2023-02 – Present)

• Execute end-to-end corporate loan processing including disbursement, rollover, repayment, interest and fee collection using T24 system
• Perform rate fixing and funding coordination with Treasury
• Prepare and release SWIFT payments related to loan transactions
• Conduct daily nostro reconciliation and resolve discrepancies
• Maintain, review, and enhance Loan Operations SOPs to improve operational consistency
• Streamline operational processes to improve efficiency and reduce processing risk
• Strengthen control framework by reinforcing checking procedures and ensuring audit readiness
• Support audit confirmations, AML checks, and system migration initiatives
• Manage and mentor loan processing staff in a lean operations team
• Remain hands-on in processing and checking of daily transactions

Assistant Manager - Operations at Banco Bilbao Vizcaya Argentaria (BBVA), Singapore (2020-11 – 2022-10)

• Processed corporate loans for bilateral and syndicated facilities as well as trade finance handling using Hub AS400 system
• Handled drawdowns, rollovers, repayments, and remittance transactions
• Verified SWIFT messages and ensured accuracy of payments
• Supported daily operational activities and controls
• Recognised with early conversion to permanent staff

Manager - Wholesale Loan Operations at United Overseas Bank (UOB), Singapore (2020-06 – 2020-11)

• Reviewed and approved daily loan processing transactions across MCL, LES, AIM / RBK, and SAP systems
• Supervised and checked work of a larger team of loan processing makers
• Ensured compliance with SLA, AML, operational risk, and audit requirements
• Supported team lead in work allocation, issue resolution, and process adherence

Senior Officer - Operations at The Shanghai Commercial & Savings Bank, Singapore (2019-09 – 2020-06)

• Processed corporate loan drawdowns, rollovers, and repayments
• Verified SWIFT messages and prepared MAS reports
• Handled inward and outward remittance

Senior Officer - Operations at China Construction Bank, Singapore (2014-11 – 2019-09)

• Managed corporate loan processing for bilateral and syndicated facilities
• Handled trade finance operations and SWIFT messaging
• Supported MAS reporting and SOP documentation

Bank Officer - Operations, Credit Admin at Bank of Communications, Singapore (2012-05 – 2014-01)

• Managed corporate loan processing for bilateral and syndicated facilities
• Handled banker's guarantees, counter guarantees, and performance bonds
• Performed SWIFT distribution
• Handled money market, foreign exchange, cashflow, fund transfer, remittance, and AML World-Check
• Supported MAS 610 and 626 reporting

Credit Admin at OCBC (2010 – 2012)

Business Analyst at Morgan Stanley (2009 – 2010)

Trade and Supply Chain Specialist at HSBC (2007 – 2009)

Bank Clerk, Contract at HSBC (2005 – 2006)

Bachelor of Commerce in International Business – Murdoch University, Australia

Advanced Diploma in Management – Kaplan Higher Education

Diploma in International Business – Southern Cross University