Bank of China (UK) Ltd., European Union Head Office, London, England Apr. 2008 – May 2017

Credit Risk Analyst

• Exercised authority in assessing and structuring facilities for current and potential customers; carried out risk assessment for new and existing exposures within a delegated credit exposure limit (£300,000-£1M); presented credit proposals for loan size over millions (in UK sterling) at Credit Risk Committee meetings

• Evaluated and analyzed business financial statements, risk ratings, legal documentation, and security requirements to ensure accuracy of data and to determine appropriate lending strategies in compliance with the bank’s policies and procedures

• Exercised detailed due diligence in recommending credit applications and reviewed loan documentation, processed advance, draw requests and loan payments, worked in collaboration with Legal & Compliance, and Loan Documentation & Administration, especially in supporting risk processes and guidelines

• Acted as the point of contact to negotiate with relationship managers, business partners, and brokers on pre-submission terms and conditions & identified credit issues in advance to ensure customer satisfaction and credit decisions were in accordance with the bank’s objectives and business plan

• Monitored transaction processing and financial covenants on the systems to identify and limit ongoing risks associated with accounts under the portfolio and negotiated and resolved customer conflicts/marginal applications while adhering to the bank’s risk appetite

• Responsible for the completeness of new/amended credit facilities and verification of the executed Credit Agreement and escalation of errors/omissions for correction prior to advancing funds

• Undertook quarterly audit/impairment reviews, branch reviews, various financial ratio analysis and statistics reports relating to the bank’s retail business and credit portfolios, prepared reports for Management and the Board of Risk Committee and other information required by internal and external auditors

• Conducted reviews and provided specialized advice for existing credit policies, made recommendations for improvement, and assisted with the establishment of new credit policies/guidance & procedures to promote initiatives and practices; including satisfying regulatory requirements

Davy Process Technology Limited, London, England Apr. 2006 – Apr. 2008

Client Associate

• Daily servicing of client relationships requiring high levels of organizational skill by maintaining service professionalism in a high stress environment, while adhering to a one response policy and maintaining a same day resolution principle

• Responsible for coordination of client inquiries to multiple departments, and ensure accuracy of trade activity, cash movement, and foreign exchange

• Generated ad-hoc reports for analysis and investigation of database and provided bi-lingual language translation assistance

• Recognized as the first point of escalation, both internally and externally on all client-related inquires, maintaining relationships and daily communication up to executive levels of management

• Ensuring clients’ expectations are exceeded and deliverables remitted in accordance with established time deadlines

• Prompt and accurate productions of daily to quarterly client-customized reports including statistical information

China National Petroleum Corporation-Alberta Petroleum Center, China Jan. 2004 – Nov. 2005

Commercial Advisor

• Co-ordinated among business units
• Overall project management, business analysis assignments as well as ad-hoc report development
• Research for market intelligence and provided marketing reports
• Documented business and application requirements
• Provided planning and organizing workflow and the supply of technical information & know-how


The Chartered Institute of Bankers in Scotland

2010 - 2012 Professional Banker Certificate

Chartered Institute for Securities & Investment

2016 - present Chartered Financial Analyst (CFA)

University of Wales, UK

2001 - 2003 Master of Business Administration (MBA)