Lynn Pang
Corporate Banker
Summary
Experienced with building and sustaining strong client relationships. Utilizes effective communication and problem-solving skills to address client needs and ensure satisfaction. Track record of managing diverse portfolios and achieving client loyalty through strategic relationship management.
Credit professional with extensive experience in analyzing credit data and financial statements to assess risk and ensure compliance with lending standards. Known for collaborative approach and delivering results that align with company goals. Reliable and adaptable, possessing strong analytical skills and attention to detail.
Overview
18
18
years of professional experience
4
4
Certifications
Work History
Credit Analyst
CIMB Bank
09.2024 - Current
- Assessed credit risk and analyzed financial statements of Corporate Banking accounts.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Participated in loan committee meetings to provide input on lending processes.
Relationship Manager
DBS Bank Limited
01.2023 - 08.2024
- My portfolio consists of around 70 corporate clients with Sales Turnover of SGD50m and above.
- I am responsible to manage, supervise and monitor existing pool of borrowing accounts to achieve optimum utilization rate and profitability as well as timely submission of credit review.
- At the same time, I am required to spot new business opportunities, solicit and develop new borrowing relationships.
- My client's industry coverage are consumer products, professional consumer services and income-producing real estate ('IPRE') corporate clients.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Maintained knowledge on banking products and distribution to provide optimal service support.
Relationship Manager
United Overseas Bank Limited
10.2021 - 12.2022
- I oversee around 98 SME clients across all industries with Sales Turnover up to SGD20m, encourage my customers to fully utilize their current facilities and explore more business opportunities.
- Besides focusing revenue generation, I am also responsible for doing credit reviews of accounts, assist with exit of accounts due to Group Compliance concerns to ensure my portfolio of customers are well maintained.
Credit Analyst
Standard Chartered Bank (Singapore) Limited
07.2019 - 09.2021
- Supporting acquisition team Relationship Managers with portfolio up to US$100m to prepare approval papers for new and incremental Bank facility limits.
- Ensure pricing of facilities meets RoRWA (Returns on Risk Weighted Assets).
- Provides information to Relationship Managers with insights to various industry sectors.
- Liaise with clients with information and business updates.
- Scope of clients mainly are commodity traders and construction firms.
Credit Analyst
United Overseas Bank Limited
05.2014 - 06.2019
- Preparation of credit paper (revision of credit facilities, reviews and ad-hoc requests) for business units.
- Scope of industry ranges from property developers, income-producing real estate ('IPRE') firms, sub-contractors, oil & gas, transportation, pawnshops, law firms etc.
- Also assists with following up with valuation reports and ensures covenants are timely met.
- When required, attend customer meetings with relationship managers.
Relationship Manager
Oversea-Chinese Banking Corporation Limited
08.2011 - 04.2014
- My portfolio consists of corporate customers with turnover of SGD10m and above under General Commerce industry.
- I ensure my customers are utilizing their facilities in tandem with their business operations and propose financing schemes suitable to their requirements.
- Acquisition of new accounts and growing my portfolio are part of my job scope.
- Daily requirements include attending to transactional excesses and handling customer's servicing issues (technical cheques. T/T discrepancies etc).
- I am in charge of doing credit assessment of my accounts and raising credit proposals for incremental financing requests.
Senior Business Relationship Manager
United Overseas Bank Limited
01.2011 - 08.2011
- Being a business banking relationship manager, besides servicing the basic daily needs of my customers in my portfolio, I encourage my customers to fully utilize their current facilities.
- I am also responsible of credit reviews of accounts to ensure my portfolio of customers are taken good care of.
- At the same time, I look for new potential clients to expand my customer base.
- My strengths are being able to provide a wholesome package of facilities to SME such as property loans, hire purchase, trade facilities and equity loans.
Business Banking Associate
United Overseas Bank Limited
01.2010 - 12.2010
- Based in branch, I attend to walk-in corporate customers' enquiries and am responsible in acquiring new borrowers; growing my own base of customers.
- Being independent and strongly driven, I was able to hunt for deals through my own means via canvassing and had a strong network of referral from external agents and strong bonds with internal mobile bankers.
SME Specialist
Price Solutions Pte Ltd (A Standard Chartered Group Company)
07.2009 - 01.2010
- I am responsible for the acquisition of new business, through the sales of Standard Chartered's SME products such as Business Installment Loans, Business Overdraft, Government Loans, SME Mortgage, CASA.
- In order to grow a profitable customer base, my responsibilities include generating new business leads, meeting potential clients, conducting an analysis of clients' needs and proposing suitable financial solutions.
Mobile Energizer
Red Bull Singapore Pte Ltd
11.2007 - 07.2009
- Being part of the marketing & sales team, I drive to set locations all around Singapore and sample consumers with Red Bull when they need it the most.
- I have to communicate the benefits and effects of the product directly to the consumers.
- Sampling missions can include giving athletes a boost at a sports event, giving much-needed Red Bull to tired drivers or energizing tired office workers.
- I have worked in major events such as F1 Singapore 2008, Chingay 2008.
Education
Bsc - Banking & Finance
Singapore Institute of Management
01.2006 - 1 2009
G.C.E. 'A' level Examination - undefined
Yishun Junior College
01.2003 - 1 2005
G.C.E. 'O' level Examination - undefined
East View Secondary School
01.1999 - 1 2002
Skills
Relationship management
Portfolio growth
Relationship building and management
Client acquisition
Credit analysis
Credit risk
Financial statement analysis
Licenses
Class 3 Driving License
Certification
IBF - RES 4 Rules, Ethics & Skills for Corporate Finance
Personal Information
Date of Birth: 08/09/85
Sports Activities
2009, SIM inferno, ladies league division 2, 2008, Pasirian Scheqas, ladies league division 1, 2007, SIM Blacks, ladies league division 1, 2006, NTU Storm, ladies league division 1, Champions IVP Floorball, 2009, Champions IVP Floorball, 2008, Participated IVP Floorball, 2007, Participated IVP Floorball, 2006, House Captain, Floorball Vice-Captain, 'A' division Floorball, 2004, 2nd-runner up
Timeline
Credit Analyst
CIMB Bank
09.2024 - Current
Relationship Manager
DBS Bank Limited
01.2023 - 08.2024
Relationship Manager
United Overseas Bank Limited
10.2021 - 12.2022
Credit Analyst
Standard Chartered Bank (Singapore) Limited
07.2019 - 09.2021
Credit Analyst
United Overseas Bank Limited
05.2014 - 06.2019
Relationship Manager
Oversea-Chinese Banking Corporation Limited
08.2011 - 04.2014
Senior Business Relationship Manager
United Overseas Bank Limited
01.2011 - 08.2011
Business Banking Associate
United Overseas Bank Limited
01.2010 - 12.2010
SME Specialist
Price Solutions Pte Ltd (A Standard Chartered Group Company)
07.2009 - 01.2010
Mobile Energizer
Red Bull Singapore Pte Ltd
11.2007 - 07.2009
Bsc - Banking & Finance
Singapore Institute of Management
01.2006 - 1 2009
G.C.E. 'A' level Examination - undefined
Yishun Junior College
01.2003 - 1 2005
G.C.E. 'O' level Examination - undefined
East View Secondary School
01.1999 - 1 2002
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