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Credit Analyst

Mississauga, Ontario, Canada
November 14, 2017

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Wenying Zhang

**** ******** ****, ***: 905-***-**** / 647-***-****

Mississauga ON L5M 4H6


A highly self-motivated credit risk analyst with nine years’ banking experience in a commercial bank, a Fortune 500 company, in London, England. An enthusiastic team player.

Proficient in credit risk analysis, risk mitigation strategies, portfolio management, loan process management and governance.

Capable of making a complex lending decision for individual borrowings (secured/unsecured) as well as small & medium enterprises’ Lines of Credit and loans concurrently

Knowledge of SQL, Moody’s Risk Analyst, Bloomberg, and Dun & Bradstreet credit rating

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, scorecards, Credit Bureau data, 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 and businesses; carried out risk assessment for new and existing exposures within a delegated credit 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/delinquent accounts 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 debts, 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 were 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



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

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