Johann Wee Chu Han
Summary
Senior Credit Executive with credit assessment experience across corporate lending, lease financing, and portfolio monitoring. Delivers credit memos, financial analysis, and risk recommendations that support approvals, renewals, and mitigation actions. Strengthens decision quality through market research, shareholder change tracking, and litigation review for existing and prospective clients.
Overview
13
13
years of professional experience
Work History
Senior Credit Executive
Tokyo Century Leasing (S) Pte Ltd
01.2022 - Current
- Prepared Credit Memo submitted to HQ Japan, securing approval for S$6.5 million revolving credit facility.
- Contributed to the development of a credit scorecard to evaluate customer financial health, enhancing the qualification process for newly launched the mini excavator financing program.
- Created and implemented tracking mechanism for shareholder changes within leasing system, enhancing accuracy and compliance monitoring.
- Evaluated the financial standing of prospective clients and existing borrowers to provide credit assessment and recommendation.
- Provided Credit Memo Reports for transactions that are part of a high-value category and submitted for further approvals.
- Tracked and reported changes in the ownership structure of existing clients, including updates to shareholders and guarantors.
- Monitored ongoing and potential litigation involving existing clients to assess associated credit and reputational risks.
- Reported changes in ownership structure of existing clients, including updates to shareholders and guarantors.
- Streamlined and standardized the archive filing system, ensuring a unified style for easier referencing and supporting efficient future rating renewals.
- Tokyo Century Leasing (S) Pte Ltd (TCLS) is a wholly owned subsidiary of Century Tokyo Leasing Corporation, headquartered in Tokyo, Japan. Established in 1979, financing clients for Personal and Commercial Vehicles, Excavators and Equipment.
- Credit Role: Assessment of client’s financial health to determine the credibility of client’s ability for repayment.
Accountant Assistant
Kioxia Singapore Pte. Ltd.
01.2020 - 01.2022
- Assisted in budget preparation by gathering data, tracking expenditures, and supporting monthly variance analysis to enhance financial planning.
- Assisted in preparation of company budgets, gathering data, tracking expenditures and supporting monthly variance analysis.
- Monitored customer accounts to track incoming payments, ensuring timely collections and reducing outstanding receivables.
- Monitored customer accounts to ensure timely collections and minimize outstanding receivables through effective tracking of incoming payments.
- Processed consignment sales by tracking inventory movement and promptly recording sales transactions upon consignee confirmation.
- Oracle E-Business Suite
- Kioxia Singapore Pte. Ltd. (KISG) is a wholly owned subsidiary of Kioxia Corporation (KIC), headquartered in Tokyo, Japan. KIC was formerly known as Toshiba Memory Corporation.
- Accountant Role: Preparation of budgeting report, ensuring timely payment to suppliers and monitoring of customer payment.
Junior Executive Auditor Intern
Edward Lee & Co.
01.2014 - 01.2015
- Prepared annual financial audit reports for MCST accounts, ensuring compliance with Building Maintenance and Strata Management Act (BMSMA) and statutory audit requirements to support informed decision-making.
- Ensured accuracy and transparency in reporting of sinking and management funds, reconciled general ledgers, and supported external auditors with timely provision of required documentation.
- Addressed audit queries and resolved discrepancies, enhancing financial reporting practices within MCST framework.
- A small local business focuses mainly on providing audited reports for MCST and other small businesses.
- Executed preparation of audited reports, ensuring accuracy and alignment with regulatory standards.
Education
Bachelor’s Degree - Accounting & Management, Company Law, Business Analytics and Decision Making
Murdoch University Kaplan
01-2019
Diploma - Accounting & Finance, Microeconomics/Macroeconomics, Financial Analysis
Temasek Polytechnic
01-2015
Skills
Excel
VLOOKUP
Pivot tables
Microsoft Word
PowerPoint
Credit analysis
Credit risk assessment
Financial statement analysis
Borrower assessment
Credit memo preparation
Loan structuring
Collateral valuation
Portfolio monitoring
Covenant monitoring
KYC review
Credit committee presentation
Stress testing
Security documentation
Loan documentation review
Debt recovery
IFRS 9 impairment assessment
Regulatory reporting
OTHERS
- Notice Period : 1 month
- Current Fixed Package : S$4,250 + AWS
- Fixed Benefits : S$1,000 Medical claims (inclusive of dental)
- Variable Bonus : 3 months average
- Expected Package : S$4,800 + AWS
Timeline
Senior Credit Executive
Tokyo Century Leasing (S) Pte Ltd
01.2022 - Current
Accountant Assistant
Kioxia Singapore Pte. Ltd.
01.2020 - 01.2022
Junior Executive Auditor Intern
Edward Lee & Co.
01.2014 - 01.2015
Diploma - Accounting & Finance, Microeconomics/Macroeconomics, Financial Analysis
Temasek Polytechnic
Bachelor’s Degree - Accounting & Management, Company Law, Business Analytics and Decision Making
Murdoch University Kaplan