Joanne Seow
Corporate Banking Team Head
Summary
Experienced and proven self-starter with a consistent track record in commercial and corporate banking. Accumulated over 10 years of valuable industry experience with extensive knowledge of various banking products. Demonstrates a proven ability to initiate and drive projects, consistently delivering results that exceed expectations.
Overview
18
18
years of professional experience
3
3
years of post-secondary education
5
5
Certifications
2
2
Languages
Work History
Team Head, Corporate Banking 1 – Large Corporate 1
Maybank
05.2016 - Current
- Company Overview: Singapore Branch
- 2016-2019 as Account Manager and promoted to Team Head from 2020 - present.
- Summary of Team Head role:
- Managing a team of 3-4 Account Managers to achieve key performance indicators, nurtures and provide guidance in credit knowledge, negotiation, team work and building rapport with various stakeholders.
- Current team portfolio of approx. 15 obligor groups with total loan base of c. SGD4.79 Billion (FY24 was SGD6.47 Billion before splitting portfolio to a new Team Head in current year).
- Leading the team in wholesale/ global market’s sales and credit role, negotiation, credit approval, credit analysis and reviewing of finance documents for deals.
- Work independently and as a product partner with the Client Coverage to manage loan positions (balance sheet).
- Provide advice and solutions to customers together with our specialist product teams which included treasury solutions, corporate finance, insurance and investment.
- Publicly announced deals closed in the following:
- First Sustainability-linked Loan with Wilmar Group of USD100 Million in 2024.
- Skilled at working independently and collaboratively in a team environment.
- One of the largest Sustainability-linked Loan for OUE C-REIT in 2022 of SGD978 Million (total commitment was SGD1.2 Billion, oversubscribed by 1.26x via greenshoe option) where Maybank as maiden joint mandated lead arranger & bookrunner.
- Worked well in a team setting, providing support and guidance.
- One of largest 5-year green loan financing in 2021 of SGD1.22 Billion, provided to South Beach Consortium (CDL & IOI Group).
- Passionate about learning and committed to continual improvement.
- Refinancing of Republic Plaza for another 5-year green revolving credit facility of SGD470 Million in Dec 2020, provided to CDL Group.
- First Green Loan EC financing in Singapore of SGD500 Million in 2020 for Frasers Property Group.
- Participated syndication loans for acquisition and development of Central Boulevard of SGD1.8 Billion in 2018 for IOI Group.
- A series of en-bloc/ acquisition financing for Serangoon Ville (SGD744 Million), Mayfair Garden (SGD317 Million), Chevron House (PP: SGD660 Million), Capitol Singapore (SGD688 Million) in 2018/2017.
- Top 1/2 in place for noteworthy Derivative Sales from 2020- 2024.
- 3rd in place for Islamic Financing in 2022.
Credit Analyst
Oversea-Chinese Banking Corporation
08.2014 - 04.2016
- Company Overview: Singapore
- Conduct due diligence and credit reviews
- Liaise with RMs to gather information for the preparation of the CRs and ensure that all aspects of the CRs are updated (e.g
- Customer to Customer linkages/Contingent liabilities/Group Exposures/AML checks)
- Raise ad-hoc Credit Memos (CMs) based on RM’s request instructions
- Singapore
Relationship Manager-Real Estate & Construction
United Overseas Bank Limited
06.2013 - 07.2014
- Company Overview: Singapore
- Managed a portfolio of 8 obligor groups with exposure upwards of SGD 700 million for the top obligor group
- Total portfolio exposure stood at approximately SGD 1.8 Billion
- Provided high-value advice and solutions to middle market customers together with our specialist product teams which included treasury solutions
- Specialized in project / development financing solutions for the real estate sector with a strong understanding of the relevant risk and controls depending on the nature of each project
- Singapore
- Top Sales Team, Commercial Bank, 2013
- Secured key transactions and assisted the team in outperforming various KPI metrics across loan books, deposits, treasury solutions and insurance to achieve the performance award
- Top Sales Team in growth percentage for Treasury, Commercial Bank, 2013
- Major transactions handled include the following:
- Structured a SGD 70 Million loan to construct and develop a 16,800 bed dormitory for Wee Hur Group in Singapore
- Part of the team which structured a SGD 100 million loan for a client to monetize an industrial development
Credit Analyst -Real Estate & Construction
United Overseas Bank Limited
10.2009 - 06.2013
- Company Overview: Singapore
- Responsible for the credit evaluation of customers in the Real Estate & Construction sector for facilities up SGD 100 million with a core focus on the capability of the customer as well as conducting detailed analysis on submitted project budget and cashflow, inclusive of benchmarking against relevant similar projects
- Attended sales calls with Business Managers in the Enterprise Banking space and worked closely with them to structure development and project financing solutions
- Handled the credit process from end-to-end, inclusive of review and issuance of Letter of Offers and retrieval of relevant documents to ensure facilities are implemented swiftly
- Singapore
- Awarded Top Analyst (2010) and Top 10 Analyst (2011)
- Part of the Organizing Committee for Commercial Bank’s CNY Dinner, the most important client engagement event of the year for 2009 and 2011
Business Banking Associate
United Overseas Bank Limited
09.2007 - 10.2009
- Company Overview: Singapore
- Managed a diversified portfolio of 240 Small and Medium Enterprises
- Responsible for credit initiation as well as the review of credit customers with facilities ranging up to SGD 2 million
- Actively acquired New-to-Bank relationships via a mix of internal and external channels such as cross-franchise referral schemes, referrals from customers and professional organizations as well as diversified networking events
- Singapore
- Awarded Top Sales in 2009 and second in 2008 in Business Banking West
- Part of the team set up to drive employees’ engagement in the organization and delivered the Impact Plan for Be Engaged @UOB 2008
Education
Diploma - Infocomm Technology (Software Engineering)
Ngee Ann Polytechnic
Singapore 07.2001 - 06.2004
Skills
Relationship Management
undefinedCertification
CMFAS Module 5: Rules and Regulations for Financial Advisory Services
Miscellaneous
Proficient in Microsoft Office, Possess valid Class 3 driving license
Timeline
Team Head, Corporate Banking 1 – Large Corporate 1
Maybank
05.2016 - Current
Credit Analyst
Oversea-Chinese Banking Corporation
08.2014 - 04.2016
Relationship Manager-Real Estate & Construction
United Overseas Bank Limited
06.2013 - 07.2014
Credit Analyst -Real Estate & Construction
United Overseas Bank Limited
10.2009 - 06.2013
Business Banking Associate
United Overseas Bank Limited
09.2007 - 10.2009
Diploma - Infocomm Technology (Software Engineering)
Ngee Ann Polytechnic
07.2001 - 06.2004
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