BENEDICT CHYI WEY LIM

Experience

• 

  Public Bank

  Nov 2009 - Apr 2013

  Senior Executive

  a. Credit Review • Review submission of credit reviews from branches and re-assess credit risks by reviewing the conduct of account, financial profile of the business and stability of collateral.• Ensure compliance of credit review with terms and conditions in loans application / reviews. b. Bills Surveillance • Conduct credit surveillance to detect tale tell signs of impending problematic accounts. • Handle Board Papers for Management's approval on cases detected with misuse / inappropriate utilisation of Trade facility.c. CGC matters • Assist in handling CGC matters i.e. renewal of guarantee cover and propose remedial actions i.e. reduction programme or step up in collateral prior to the expiry of the coverage.d. Ad-hoc matters • Involves in assignments / projects being periodically or ad-hoc instructed by Management. e. Recovery Function • Account management for Top Impaired Loan (IL) and Close Attention (CA) accounts throughout nationwide. • Conduct rescheduling / restructuring actions on IL / CA accounts and to normalize the accounts. Show less

• 

  HSBC Commercial Banking

  May 2013 - Aug 2017

  a. Portfolio management• Deepen relationship with existing clients from upper segment of Business Banking.• Solicit new businesses from new and existing portfolio of Business Banking clients primarily through new loans and cash management.• Active engagement and networking with clients to understand their business requirement and to work out viable financing solutions for clients.• Develop and maintain good customer relationships and endeavour optimum utilisation of the full spectrum of banking products and services.• Work closely with other segments – Middle Market, Premier / Retail Banking to cross-sell financial products.b. Credit management• Conduct qualitative and quantitative credit assessment on each application for new proposals to ascertain good credit quality.• Perform full credit write ups for both proposals and reviews.• Liaise with Credit Risk Department to discuss on the risks revolving clients’ industry and business as well as avenues to mitigate by imposing covenants / conditions to ensure good credit governance. • Monitor and ensure fulfilment of condition precedents and covenants imposed.• Monitor loan drawdown process by working closely with support staffs and panel solicitors.c. Compliance• Detect, deter and protect Bank against financial crime and to diligently investigate suspicious transactions and / or any red flags arise from time to time.• Escalate to Financial Crime Compliance Team for advice / solutions and to raise Unusual Activity Report if red flags are unexplainable / unjustifiable.• Ensure adherence to Global Standards which is a framework that is being adopted globally where HSBC operates in.• Perform periodic Enhanced Due Diligence (EDD) reviews on all Special Category Clients (SCC), Political Exposed Persons (PEP), High Risk Customers (HRC) and / or upon Trigger Events occurred throughout the banking relationship with clients. Show less a. Portfolio management• Lead the team in deepening relationship with existing Business Banking Mass clients. • Wallet sizing by cross selling Bank's product which suits customers’ financial need.• Plan and organise effectively, with tenacity to drive through results.• Formulate business strategies on awareness of economy, market and industry initiatives.b. Credit management• Ensure completion of periodic credit reviews by the team within the stipulated period and in line with the compliance of policies, guidelines and procedures carried out per Bank's circulars.• Ensure credit quality and risks are not compromised in the pursuit of profitability by implementing pre-emptive measures, where appropriate when tell-tale signs are identified. c. Operational Effectiveness, Compliance and Control• Ensure all internal controls and compliance to AMLATFA regulations are complied with.• Guide the team in performing KYC / CDD on all customers during on-boarding and on-going basis while perform EDD on High Risk Customers / Special Category Clients on annual basis. • Encourage courageous integrity to ‘Ask The Right Questions’ and escalate appropriately where we have reasonable suspicion that Financial Crime is taking place.• Lead the team in attending to ad-hoc exercises / assignments where required by the Bank. Show less

  • Assistant Vice President

    Nov 2015 - Aug 2017

  • Team Leader - Portfolio Business Banking

    May 2013 - Nov 2015
• 

  Standard Chartered Bank

  Sept 2017 - now

  Team Manager, Business Banking

  a. Sales Driver• Implement business plan and sales strategy effectively, with tenacity to drive through results. • Drive East Malaysia Business Banking team in deepening relationship with existing Business Banking clients whilst solicit New To Bank clients. • Coach team members in identifying client’s business needs through active engagement and networking and proposing viable Banking solutions which to clients. • Maintain good customer relationships and endeavour optimum utilisation of the full spectrum of banking products and services.b. Credit Management• Evaluate credit proposals from the perspective of client’s eligibility in fulfilling Bank’s borrowing parameters, industry & business risks that client is operating in as well as covenants / conditions as mitigant. • Ensure completion of periodic credit reviews by the team before due date and in line with the compliance of policies, guidelines and procedures carried out per Bank's circulars.• Provide coaching and advices to team members on credit matters – from analysing financial statements to credit writing. c. Governance Control• Strongly partner with important stakeholders – Operation Risk, Operation, Governance, Customer Due Diligence (CDD), Financial Crime Compliance (FCC) Teams to strengthen governance and control framework in Business Banking.• Encourage team members to have courageous integrity in raising Unusual Activity Report on suspicious transactions.• Ensure completeness and accuracy of CDD information of clients maintained with Bank. Show less