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
