Weifu Chia

Enthusiastic Credit Analyst / Approver well-versed in perusing financial documents, preparing loan packages, making and approving recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths. Good organizational and critical thinking skills. Offering a decade of related experience.

Senior Credit Approver at ANEXT Bank Pte Ltd (2025-02 – Present)

• Oversee project / product initiation
• Ensure compliance of the organization's process and businesses to expectations of regulatory authority i.e Monetary Authority of Singapore
• Negotiated acquisition of loan portfolio with non-bank financial institutions
• Managed relationships with potential business start-ups under the NUS E-Magna project
• Conducted sharing session on foundations of financial statements to interns and relationship managers

Credit Reviewer at Bangkok Bank Public Company Limited (2022-04 – 2025-02)

• Coached relationship managers on drafting of credit papers
• Conducted credit training sessions with the sales team on credit analysis
• Involved in Treasury Risk attachment program
• Collaborated with relationship managers on stress testing of portfolios
• Provided independent review and credit decision rationale for new credit propositions and annual reviews

Credit Analyst at CIMB Bank Berhad (2021-09 – 2022-04)

• Performed annual account credit limit reviews and credit increase review requests for Corporates
• Initiated Credit Analyst handbook for knowledge retention
• Collaborated with RMs to address credit concerns from approvers
• Prioritizing back-logged reviews to be conducted to comply with MAS requirements
• Coaching of new joiners

Senior Credit Officer at Funding Societies Pte Ltd (2019-06 – 2021-06)

• Recommended approval or disapproval of commercial, real estate or credit loans
• Performed annual account credit limit reviews and credit increase review requests from sales teams
• Obtained and interpreted financial statements to assist in credit limit reviews
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts
• Target market comprised largely SMEs
• Monitored accounts for signs of fraud and non-payment issues
• Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents
• Investigated and evaluated customers for creditworthiness and potential risk factors
• Optimized work flow process and decreasing turn around time by at least 10%

Credit Analyst at Cathay United Bank, Singapore Branch (2017-06 – 2018-04)

• Conducted presentations to upper management and executive teams for loan recommendations
• Assessed credit risk and analyzed financial statements
• Made decisions and recommendations about extending lines of credit
• Worked in tandem with the sales team and customers to negotiate payments and verify account reconciliations
• Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews
• Complied with internal controls and government regulations
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit
• Performed credit reviews on corporations to assess financial conditions
• Improved understanding of financial statements, which helped in assessing risk
• Target market comprised largely business entities from Aviation and Energy industries
• Optimized content of credit analysis by 100%

Credit Analyst at Oversea-Chinese Banking Corporation Ltd (2011-12 – 2017-06)

• Assessed credit risk and analyzed financial statements
• Made decisions and recommendations about extending lines of credit
• Reviewed customer files on regular basis to make sure receivables were in sound condition
• Contacted customers and requested financial documentation
• Gathered loan documentation for underwriting
• Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews
• Complied with internal controls and government regulations
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit
• Performed credit reviews on corporations to assess financial conditions
• Improved understanding of financial statements, which helped in assessing risk
• Performed duties in accordance with all applicable standards, policies and regulatory guidelines to promote safe working environment
• Target market comprised largely business entities from F&B, Engineering, Hardware, Oil & Gas and Real Estate industries
• Improved work flow and reducing time required for approval by at least 10%

Customer Service Officer at United Overseas Bank Ltd (2009-11 – 2011-11)

• Promoted company brand and unique offerings through personalized customer service
• Maintained accurate and current customer account data with manual forms processing and digital information updates
• Handled account opening for both personal and corporate clients
• Conducted Know-Your-Customer due diligence on personal and corporate clients
• Established and prepared accurate customers accounts to complete new account opening
• Counted cash drawers and deposits, checked supplies and completed any other required opening or closing task to facilitate smooth team operations
• Educated clients on account services and resolved client inquiries regarding statement information and account balances
• Addressed customer complaints and mitigated dissatisfaction by employing timely and effective solutions
• Managed 5 to 8 account openings daily with 80% success rate on securing internet banking and debit and/or credit card signups

Bachelor of Arts in Psychology With Business – Singapore University of Social Sciences (2013-07)

Diploma in Molecular Biotechnology – Nanyang Polytechnic (2004-05)