JOSHUA GIAN

• Led cross-functional initiatives to streamline workflows and reduce turnaround times.
• Developed and implemented process improvements to enhance operational efficiency across multiple teams.
• Analyzed performance metrics to identify trends and implement corrective actions for continuous improvement.
• Manages a regional team of 19 in Hong Kong and Singapore with the following responsibilities:

Securities Based Lending:

• End to end - Origination, Underwriting to Documentation
• Prepare credit approval memos, analysis and assignment of risk grading on Obligor/Collateral Analysis.
• Evaluate risks and mitigants for credit facilities and derivative transactions.
• Annual reviews and renewal of credit facilities.
• Credit training for Client Advisors.
• Profitability optimization of portfolio.

Deals Specialist:

• Bespoke documentation for specialty lending
• Legal Entity signer and approver for JPMorgan Chase & Co, Singapore Branch with supervisory oversight on loan exposure booked at Singapore Branch for Asset Wealth Management.
• Authorized signer of credit documentation for Asset Wealth Management on behalf of JPM SG branch.

• Managed and grew loan portfolio of USD 1.2bn and revenue of USD 8.5MM.
• Structured credit requests for client penetration and cross selling. Support coordination of sales effort with Investors and Wealth Advisors.
• Self-motivated, with a strong sense of personal responsibility.
• Proven ability to learn quickly and adapt to new situations.
• Responsible for business development and revenue growth of loan book by:
• Identifying new business opportunities.
• Leading the lending effort for local marketing teams.
• Understanding the balance sheet of existing clients and prospects and providing bespoke credit solutions.
• Originate credit leads from existing clients and prospects and participate in new marketing initiatives.
• Underwriting and execution - lead role in credit approval process

Credit risk management discipline:

• Manage portfolio risk.
• Change debt structure/risk ratings in response to changes in risk.

• Industries covered include Oil & Gas, Chemicals, Pharmaceutical and Retail Brands. Work closely with the Senior Relationship Manager to manage portfolio clients, acquire and grow client relationship.
• Perform credit analysis on existing credit counterparties.
• Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
• Preparation of Credit Proposals which encompasses Credit Proposal write-ups, Financial spreadsheets and analysis, Cash flow projections and analysis, Counter Party Ratings, KMV monitor, Global Recovery Rates, RAROC simulation, Historical utilization and Profitability reporting.
• Credit proposal write-up includes detail presentation of all major relevant developments, identification of key risks and mitigation and provision of solid recommendation consistent with the Bank’s policies and risk appetite. Organized and detail-oriented with a strong work ethic.
• Proved successful working within tight deadlines and a fast-paced environment.

• Performing credit analysis and due diligence of evaluating client’s credit risk ratings through quantitative & qualitative analysis
• Quantitative analysis from financial statement such as:
• Turnover, NPBT, Shareholders’ Equity, Gearing, Debtors/Creditors/Stock Turnover ratios
• Analyzed credit scores to determine borrowers’ creditworthiness.
• Qualitative Analysis on industry & sector analysis, management and key director profile
• Writing credit proposal based on quantitative and qualitative analysis
• Additional Responsibilities
• Scorecard reporting to Senior Management on performance of new product