Lydia Xie
Summary
Proactive Credit Analyst and Private Wealth Manager with extensive experience in credit application review, regulatory compliance, and client relationship management. Skilled in developing tailored loan structures, streamlining internal processes, and executing comprehensive marketing campaigns. Bringing strong analytical abilities and a commitment to enhancing client satisfaction and operational efficiency.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Credit Analyst, Private Wealth
HL Bank
07.2020 - Current
- Managed preparation and review of credit applications for new-to-bank clients, verifying compliance with credit conditions and inclusion of all necessary supporting documents in submissions for credit approval.
- Maintained strict adherence to all regulatory and internal risk guidelines for Singapore properties, successfully meeting the requirements of MAS 645 and MAS 632.
- Offered expertise to relationship managers in developing loan structures that align with the Bank's guidelines and client's risk preferences, successfully meeting their financing needs.
- Ensure accuracy and completeness of client credit information through annual reviews, preparing submissions for approval.
- Collaborated with business unit to improve quarterly reviews of marginable securities for equities, bonds, and funds.
- Contributed to the improvement of credit process efficiency and completion of various credit administrative duties.
Manager, Health Banking, Private Wealth
HL Bank
10.2016 - 06.2020
- Served as a trusted advisor to high-net-worth doctors, fostering loyalty through consistent delivery of exceptional service.
- Regularly communicated with clients to maintain excellent account relationships and ensure timely transactions and service delivery.
- Managed all aspects of new client onboarding, including KYC, AML, account openings, and credit submissions.
- Frequently reviewed client accounts and plans to understand if economic changes or situational concerns necessitate changes in financial plans.
- Worked closely with cross-functional teams such as Credit Admin, Finance, and Compliance to streamline workflow processes and enhance reporting.
- Streamlined internal processes for improved efficiency, resulting in increased capacity for new clients without compromising service quality.
- Managed end-to-end execution of marketing activities including planning, developing, and overseeing customer events. Led efforts to create effective marketing collaterals with a keen focus on tracking and evaluating results.
- Executed new marketing initiatives and collaborations to expand the base of doctor clients.
Assistant Manager, Marketing & Campaign Management
HL Bank
08.2014 - 09.2016
- Implemented marketing initiatives, campaign strategies, and executed events within the consumer banking sector.
- Managed and executed successful onsite events to increase brand awareness and achieve revenue goals.
- Collaborated with creative agencies to create marketing collateral for all promotional initiatives.
- Monitored industry trends, measured program performance and effectiveness
- Managed and adhered to internal controls and compliance guidelines for all campaigns with allocated A&P budget.
- Managed end-to-end execution of the Bank's inaugural sponsorship event at Singapore Motor Show 2015, overseeing its success. Coordinated a CSR fund raising project for TOUCH Community that benefited 790 seniors.
- Contributed to the construction of the Bank's internet banking platform and creation of a new online webpage and banking token.
- Developed close relationships with key players in the auto finance industry, resulting in significant growth of the Bank's clientele.
Senior Marketing Executive, Sales & Marketing
Maybank
09.2011 - 07.2014
- Executed effective marketing campaigns and product promotions across multiple sales channels in the consumer banking sector such as Private Wealth, Retail Banking (22 branches), and direct sales.
- Accelerated revenue growth through proactive identification of avenues for business expansion and establishing lucrative alliances with mortgage brokers, educational organizations, and corporate associates to drive client acquisition.
- Proposed and submitted business proposals to secure A&P budget for marketing activities and campaigns.
- Developed marketing collaterals through close partnerships with product teams and MARCOM.
- Planned, managed and oversaw high profile client events such as branch openings, customer appreciation activities, movie nights, offsite roadshows and investment seminars.
- Conducted post mortem and monitored the results and effectiveness of each initiative.
- Maintained compliance with regulatory standards, internal policies while effectively managing business risks.
Marketing Executive, Marketing & Alliances
Maybank
09.2008 - 08.2011
- Collaborated across departments to generate innovative ideas and enhance marketing campaigns.
- Successfully planned and executed regular branch roadshows as well as offsite events for all sales channels
- Planned, developed and implemented marketing events which included sourcing for event venues and vendors.
- Sourced and selected appropriate corporate premiums for the Bank's utilization.
- Established strategic partnerships and collaborated with internal and external stakeholders in enhancing the visibility of Banks' products and services.
- Provided sales and administrative support to consumer banking sales channels
Education
BBA - Finance & Human Resource Major
Royal Melbourne Institute of Technology (RMIT)
Singapore06.2008
Diploma - Chemical Process Technology (Food Science)
Singapore Polytechnic
Singapore06.2005
Skills
- Risk Assessment
- Credit analysis
- Loan Evaluation
- Lending regulations
- Relationship Building
- Teamwork and Collaboration
- Problem-Solving
- Time Management
- Attention to Detail
- Credit decisions
- Verbal and written communication
- Relationship Management
- Risk mitigation strategies
- Financial statement review
- Credit risk
Certification
- 2013: Nomination for Maybank Best Employee Award
- 2012: Maybank Service Experience Award (Inspirator)
- 2012: Commendation on Service Excellence
- 2012: Nomintation for Maybank Kindness Amnassdor
- 2011: Maybank Excellence Service Award (Gold)
- 2010: Maybank Excellence Service Award (Silver)
Events & Activities
- 2014: Member of Maybank Recreational Club (Sports)
- 2010 - 2013: Member of Maybank Recreational Club (CSR)
Timeline
Credit Analyst, Private Wealth
HL Bank
07.2020 - Current
Manager, Health Banking, Private Wealth
HL Bank
10.2016 - 06.2020
Assistant Manager, Marketing & Campaign Management
HL Bank
08.2014 - 09.2016
Senior Marketing Executive, Sales & Marketing
Maybank
09.2011 - 07.2014
Marketing Executive, Marketing & Alliances
Maybank
09.2008 - 08.2011
BBA - Finance & Human Resource Major
Royal Melbourne Institute of Technology (RMIT)
Diploma - Chemical Process Technology (Food Science)
Singapore Polytechnic
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