Teng Zhi Hao
Credit Approver
Summary
Credit Approver with expertise in independent credit evaluation of corporate loans and making sound recommendations to improve asset quality while supporting business growth. Excellent communication and problem-solving skills drive successful outcomes. Dedication to maintaining high standards and attention to mitigate risks and contribute to overall organizational success.
Overview
7
7
years of professional experience
3
3
years of post-secondary education
2
2
Languages
Work History
Credit Approver
Maybank
04.2022 - Current
- To enforce sound credit underwriting practices and controlling asset quality through credit evaluation and credit approval
- Periodic review of products and credit policies
- perform on-going credit risk monitoring to identify any customers with potential concerns
- Prepare credit reports for senior management
- Lead department in implementing Digital Financing for Small Medium Enterprises
- Build Robotic process automation program to reduce daily case assignment duties
Senior Officer
United Overseas Bank
11.2019 - 09.2021
- Provides credit processing and credit administration support to credit/business unit of the bank.
- Review letter of offer per legal guidelines, legal conveyancing guidelines and credit compliance adhered
- Provide support for loan disbursements, trade facilities and FX limit implementation.
- Liaising with relationship managers on the loan facilities
- Assisting in handling both internal and external customers' requests.
- Perform User Acceptance Testing for enhancement and updates to products and system
Executive
Prudential Assurance Company
07.2018 - 11.2021
- Processing of Financial implications cases
- Underwriting of Mid Term addition cases
- Perform policy assessment and make sound judgment & decision on the policy
- Involve in projects, testing, initiatives and new product launches
- Secretarial work and minute writing for management meeting
Education
Bachelor - Accounting And Finance
University of London
Singapore 08.2015 - 08.2018
Skills
- Flexible and adaptable
- MS office
- Multitasking
- Excellent communication
- Calm under pressure
- Problem-solving
- Team management
- Supervision and leadership
Timeline
Credit Approver
Maybank
04.2022 - Current
Senior Officer
United Overseas Bank
11.2019 - 09.2021
Executive
Prudential Assurance Company
07.2018 - 11.2021
Bachelor - Accounting And Finance
University of London
08.2015 - 08.2018
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