Sorawit Biamukda

Job Role Overview Credit Analysis & Application Preparation Cross-Functional Coordination Portfolio Monitoring

• Collaborate closely with Relationship Managers to gather information from multiple sources—including public financial records, business news, and client referrals—to identify business opportunities and assess clients’ repayment capacity.
• Evaluate the business performance and management quality of both existing and potential clients to identify opportunities and risks, ensuring a balanced and well-reasoned credit approach.
• Execute operational tasks that support the credit and relationship management processes, including coordinating Q&A sessions with underwriters, approvers, and compliance teams.
• Prepare comprehensive Credit Applications/Credit Reviews, including detailed assessments of financial performance, business operations, and repayment capability.
• Review and propose structured loan limits aligned with client financing needs while upholding responsible lending practices.
• Assess the creditworthiness of existing and prospective clients by evaluating financial statements, payment histories, transaction records, balance sheets, and relevant legal documents.
• Conduct in-depth financial analysis, including ratio analysis, trend evaluations, and cash-flow projections to determine clients’ repayment capacity.
• Identify and assess additional business or project risks, and propose appropriate mitigation strategies.
• Summarize findings and provide justifications for maintaining or granting credit facilities, preparing clear and well-structured analysis reports.
• Work closely with Relationship Managers on due diligence activities and respond to inquiries from underwriters, credit approvers, and compliance teams to support timely credit decision-making.
• Monitor the performance of assigned clients on a quarterly and semi-annual basis to ensure compliance with the terms and conditions of approved credit facilities.
• Continuously track and evaluate the quality of the corporate loan portfolio to identify early warning signs and maintain asset quality.

Work Experience & Succession.

• Successfully arranged project finance packages for five condominium projects and four housing projects, securing THB 8,900 million in total approved facilities within four years. These financings contributed to the bank’s long-term revenue pipeline, generating an estimated THB 900 million over the full project lifecycles (equivalent to THB 100–150 million per year).
• Obtained approval for debenture issuances on a firm-commitment basis totaling THB 4,750 million, generating immediate underwriting fee income of approximately THB 10 million.
• Successfully managed, monitored, and reduced THB 5,000 million of high-risk exposures arising from delayed projects, helping safeguard asset quality and limit potential credit losses.
• Maintained a high-quality corporate loan portfolio, ensuring stable and sustainable income generation while adhering to regulatory requirements, internal policies, and the bank’s risk appetite.

Key Responsibilities

• Provided Trade Finance Advisory, supporting clients with export/import financing structures to facilitate efficient cross-border transactions.
• Delivered Lending Advisory on both long-term and short-term financing solutions aligned with clients’ strategic and operational needs.
• Offered Transaction Banking Advisory, covering payments, collections, and liquidity management to optimize clients’ cash-flow processes.
• Performed AML/CFT and KYC reviews to ensure full compliance with regulatory standards and internal policies.
• Maintained strong client relationships within assigned accounts to drive sustainable business growth and deepen wallet share.
• Assisted senior relationship managers in identifying new prospects, establishing new banking relationships, and contributing to portfolio expansion.
• Monitored credit utilization and clients’ business performance to safeguard asset quality and uphold a sound loan portfolio.

Work Experience & Succession

• Successfully maintained strong relationships with key existing customers, ensuring continued business engagement and stable income streams for the bank.
• Effectively collaborated with cross-functional teams to implement new banking solutions—such as Internet Banking, Cash Management Services, Online Trade Finance, e-Tax Invoice, and EDC—enhancing clients’ operational efficiency and overall banking experience.