Wenying Zhang
**** ******** ****, ***: 905-***-**** / 647-***-****
Mississauga ON L5M 4H6 ac2eyn@r.postjobfree.com
Profile
A highly self-motivated credit risk analyst with nine years’ banking experience in a commercial bank in London, England. An enthusiastic team player.
Proficient in credit risk analysis, risk mitigation strategies, portfolio management, loan process management and governance.
Certified Professional Banker in Scotland
Capable of making a complex lending decision for individual borrowings (secured/unsecured) as well as small & medium enterprises’ Lines of Credit and loans concurrently
CFA studies in progress
Work Experiences
Bank of China UK Ltd., European Union Head Office, London, England Apr. 2008 - May 2017
Credit Risk Analyst
Evaluated and analyzed business financial statements, risk ratings, credit history, legal documentation, and security requirements to determine appropriate lending strategies (especially marginal lending) in compliance with the bank’s policies and procedures
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; presented credit proposals for loan size over millions at Credit Risk Committee meetings
Acted as the point of contact to negotiate with relationship managers, business partners, and brokers on pre-submission terms & conditions and post-lending analysis; acted as a consultant for branches wishing to appeal credit decisions (escalation) and identified credit issues in advance to negotiate and resolve customer conflicts/marginal applications to ensure credit decisions were in accordance with the bank’s objectives and business plan
Monitored transaction processing and financial covenants on the systems to limit ongoing risk associated with accounts under the portfolio; 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
Exercised comprehensive due diligence (AML, KYC, account analysis sensitivity & scenario analysis) in recommending credit applications, working in collaboration with Legal & Compliance, Operational Risk, and Loan Documentation & Administration, especially in supporting risk processes and guidelines, negotiated and resolved customer conflicts/marginal applications while adhering to the bank’s risk appetite
Conducted branch reporting of loan portfolios through regular review of arrears, bad debt reporting, audit reports, and credit responses for areas of increased risk exposure including covenant breaches, financial deterioration, arrears, security impairment and other material adverse changes that were not in alignment with the bank’s objectives and business plan
Undertook quarterly impairment reviews, branch reviews and statistics reports relating to the bank’s credit portfolios, prepared hotspots and concentration reports for Management and the Board of Risk Committee and other information required by internal and external auditors
Performed portfolio assessment 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
Education & Training
Degree / Certificate / Training
Institution
Year
Canadian Securities Course (CSC)
Canadian Securities Institute
2017 - present
Chartered Financial Analyst (CFA)
Chartered Institute for Securities & Investment
2016 - present
Certificate in Mortgage Advice and Practice
Chartered Institute for Securities & Investment
2012 - 2013
Professional Banker Certificate
The Chartered Institute of Bankers in Scotland
2010 - 2012
ACCA (Stage II)
London School of Business and Finance, UK
2007 - 2008
Master of Business Administration
University of Wales, UK
2001 - 2003