Jialin Huang
Chongnonsi
Summary
Strong clientele skills in Chinese corporate business management. Acquiring new Chinese corporate clients to expand the bank’s Green Financing Portfolio robustly in the past year. Assist the bank to penetrate its business into Chinese communities including industrial parks, Associations and the Embassy. Referring Chinese customers in Southeast Asia region. Extensive credit experiences in a multinational banking group. Underwrote over 150 domestic and cross-border deals with total approved credit exceeding THB30 Billion from 2018 to 2021 period with the Bank of China (Thailand). Portfolio under supervision achieved zero NPL ratio under Covid-19 disruption. Respected team leader in managing team projects under multinational environment. Successful record in training, implementing and monitoring new credit system, new underwriting rules in local market following Headquarter credit strategies. Proven experience in managing team members across countries. Thorough understanding of banking products across different business lines including Wealth Management, Investment Banking, Trading &sales, Corporate Banking and Digital Banking products. Be able to provide recommendations and structure the product package based on the client’s special needs.
Overview
12
12
years of professional experience
7
7
years of post-secondary education
5
5
Certifications
2
2
Languages
Work History
Corporate Relationship Manager, Vice President
Kasikornbank Public Company Limited
08.2021 - Current
- Acquire new Chinese corporate clients in according to the bank’s credit strategy
- Complete due diligence and prepare necessary information for credit application
- Present the credit proposal to the credit risk committee in order to be approved
- Continuously explore Cross-selling opportunities to ensure customer satisfaction
- Perform RAROC analysis to provide the most competitive pricings to the customer
- Managing good client relationship through regular contacts and on-site visits
- Ensure the bank’s risk management and compliance policy is complied
- Monitor and provide guidance to junior members of the team
Corporate Credit Specialist (Team Lead)
Bank of China (Thai) Public Company Limited
05.2018 - 08.2021
- Conduct independent and thorough investigation on the proposal, exercise credit judgment and provide risk defensive lending recommendation
- Ensure the due diligence process complies with internal policies and external regulators’ requirements and issues from audit findings are properly addressed
- Provide guidance to the Relationship Manager on preparing credit proposal
- Maintain assigned customer portfolio on a regular basis, ensure KPIs such as credit review report quality and approval efficiency meet the performance requirements
- Commit to training programs of the bank and continue to improve the team’s credit underwriting skills in order to perform the assigned tasks
- Report the performance of the assigned portfolio to the management on regular basis
Credit Advisory Analyst
HSBC Securities (USA) Inc.
04.2017 - 03.2018
- Prepared credit review report for the private clients under supervision and provided sound credit recommendations based on independent analysis
- Collaborated with other Credit Advisors with the underwriting of complicated deals
- Performed risk rating for clients based on their financials and qualitative factors
- Reviewed KYC and CDD information to ensure clients are within risk tolerance
- Monitored client collateral account balance and ensure exposure is within limit
- Kept track of client’s account balance to ensure the minimum liquidity requirement
- Reviewed loan/security agreements to ensure they are updated and in good order
- Prepared the North America market performance report to top management and provide recommendation for business strategies
Credit Risk Management Specialist
Bank of China (Thai) Public Company Limited
12.2012 - 04.2017
- Established, monitored and updated credit policies and procedures
- Conducted industry risk assessment regularly to report to the management
- Collaborated with Headquarter to launch credit risk systems in local branch
- Performed on-going portfolio management risk indicators are within stipulated limits
- Worked with debt collection team to formulate strategies for bad debt accounts
- Liaison with internal and external auditors for inspection and rectification of findings
- Provide on-going credit underwriting and compliance training to local staffs
- Reported the credit risk profile to the management and headquarter on regular basis
Education
Bachelor degree - Business Administration
Bangkok University
08.2009 - 12.2012
MA - Entrepreneurial Leadership in Global Business
University of Chester
03.2017 - 03.2018
Master of Science - Financial Engineering
WorldQuant University
07.2016 - 08.2019
Certification
FRM, GARP Ambassador, Global Association of Risk Professionals, 01/2016, Present
Personal Information
Notice Period: 3 months
Timeline
Corporate Relationship Manager, Vice President
Kasikornbank Public Company Limited
08.2021 - Current
Corporate Credit Specialist (Team Lead)
Bank of China (Thai) Public Company Limited
05.2018 - 08.2021
Credit Advisory Analyst
HSBC Securities (USA) Inc.
04.2017 - 03.2018
MA - Entrepreneurial Leadership in Global Business
University of Chester
03.2017 - 03.2018
Master of Science - Financial Engineering
WorldQuant University
07.2016 - 08.2019
Credit Risk Management Specialist
Bank of China (Thai) Public Company Limited
12.2012 - 04.2017
Bachelor degree - Business Administration
Bangkok University
08.2009 - 12.2012
FRM, GARP Ambassador, Global Association of Risk Professionals, 01/2016, Present
CFA Charter Holder, CFA Institute, 11/2022, Present
Moody’s Commercial Lending Certificate, 06/2021, Present
CFA
FRM
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