Experience

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  Dbs bank

  Jul 2010 - May 2013

  Credit risk officer

   Performed credit review for high risk and early warning accounts. Liaised with customers on repayment plan, collection of delinquent loans and credit review matters. Assisted customer on loan restructuring requests and other ad-hoc enquiries. Tracked, managed and forecasted the credit risk profile of customers under the department’s portfolio. Coordinated monthly reporting and writing off of defaulted loans and government assist loans. Coordinator between the credit risk team and collection/litigation team. Spearheaded ad-hoc enquiries, workflow procedure refinements and problem solving. Liaised with collections team and litigation team to ensure timely collection efforts for defaulted loans. Ensured accurate billing of legal fee expenses from law firms and implemented analysis trend for the legal fee expenses.  Participated in User Acceptance Testing for Risk Management e-learning module and assisted in system migrations by brainstorming, reporting problem and ensured that objectives were met. Show less

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  Rabobank

  Jul 2013 - Dec 2014

  Risk management officer

   Handled daily excess report, weekly unauthorised excess report.  Rectification of facility excesses and ensure that the relevant approvals are in order for all excesses.  Daily reconciliation of bank lines transactions and corporate clients' accounts to ensure that there are no exposure excesses and no discrepancies in figures and transactions.  Handle loan drawdown, rollover and repayment for syndicated loans and bilateral loans. Checking and obtaining concurrence for Trust Receipt transactions by ensuring that documents are in order and utilization exposures are within the approved limits and tenors. Preparation of audit confirmation responses and ensuring that information pertaining to the facilities and collateral are accurate. Preparation of monthly credit risk related reports for management review. Liaise with Relationship Managers and Regional Processing Centre on input required to keep client, facility, collateral and credit information up-to-date in the systems. Show less

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  Hsbc retail banking and wealth management

  Jan 2015 - May 2021

  Avp, mortgage underwriter, credit approval (secured & unsecured lending)

   Delegated Lending Limits – Secured Lending of SGD2mil & Unsecured Lending of SGD250K. Stakeholder of project work groups for new product launch (International Mortgage) – Implement and streamline processes & procedures. Work closely with stakeholders to identify and resolve issues.  Perform in depth review and analysis on Indicative Valuations (IV) obtained from valuations firms and recommend the fair IV to be used for mortgage loan applications.  Perform financial and qualitative analysis on real estate developers’ companies and recommend for inclusion as approved developers and project developments.  Lead in the setup & management of the Credit Review team which handles the underwriting of Debt Consolidation Program & Repayment Assistance Scheme and conduct reviews on customers’ accounts.  Exercise consistent and fair evaluation while underwriting applications so as to deliver balanced credit lending decisions and a high level of customer service efficiency whilst meeting service level agreement with business partners.  Ensure compliance with approved credit guidelines, policies, internal and external regulations in assessment of applications and reviews. Show less

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  Citi

  Jun 2021 - Feb 2023

  Citigold mortgage advisor
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  Hsbc

  Feb 2023 - now

  Avp, mortgage sales manager