Yuan Zhang

• Prepare financial analyses, credit proposals, and PPT presentations for Credit Committee Meeting. Review, proposal and monitoring of obligor internal ratings and limits, and their potential concentration levels.
• Assist in the execution of lending and financial advisory transactions including relevant research, presentation packages, review and analysis of feasibility study report, independent due diligence technical report and other project documents, and coordination with other specialist advisors and consultants.
• Work closely with team seniors in liaising and coordination with clients and lawyer and other participating bank with respect to origination and execution of transactions, and negotiating and reviewing term sheets, legal documentation, security documents and loan documentation validating key terms & conditions to ensure these reflect the credit approval conditions and otherwise balance risk appetite in the optimal way.
• Responsible for KYC on boarding and completing the internal administrative process for credit application/approval and procedures for funding, limit activation.
• Support portfolio management and transaction monitoring including preparing all annual /quarterly credit reviews, amendments and process waiver requests, KYC periodic reviews.
• Perform account management activities such as deposits placement, rollovers and remittances
• Assist team seniors with daily trade transactions and get relevant approvals, covering various trade products to ensure efficient and effective handling of trade transactions.
• Assist the team in preparation of annual budgets and processing claims.

• Establish and maintain strong relationships with business clients, serving as the first point of contact for clients, responding to queries and issues regarding accounts, loans, and other financial services.
• Actively seek new clients by prospecting and networking with local businesses, industry associations, and other potential leads. (eg: Brought in 10 new-to-bank borrowing customers since joining, such as Global Yellow Pages Limited, Taka Jewellery Pte Ltd and Pan Asia Logistics Pte Ltd)
• Identify opportunities to cross-sell or up-sell banking products and services that align with the client's needs (e.g., business loans, credit facilities, cash management services).
• Put up credit application via analyzing clients' financial statements, cash flow and business models to assess the creditworthiness of clients and manage risk exposure.
• Manage a portfolio of commercial clients by doing credit reviews, ensuring that their accounts and loans are performing well.
• Monitor loan covenants, payment schedules, and other financial metrics.

• Ranked 2nd place due to new corporate accounts opened, fixed deposits increased and kyc review completed
• Maintain and develop account relationship of both existing and prospective corporate accounts
• Eg: Brought 50 new corporate clients (eg: Mr Bean International Pte Ltd) since joining
• Promote current accounts and fixed deposit products to corporate clients and process interest rates quotation, including renewing matured FD and adding new FD
• Eg: increased deposits amount SGD40,000,000 in total since joining
• Conduct kyc checks for new and existing clients
• Eg: have conducted 90 kyc reviews since joining
• Partner with Transaction banking department to expand client portfolio and more cash management products to customers

• Knowledge of topical issues relating to money laundering and other regulations impacting KYC, and provide Multinational Corporation clients with a globally consistent KYC process
• Prepare KYC profiles in accordance with Group and Regulatory Policy, partner with client manager to collect onboarding documentation provided by the client, undertake all the necessary due diligence checks
• Key checks include:

1. Collect the KYC documents from various publicly available sources, or outreach

2. Assess the client risk, assess the ownership structure up to UBO, identify and verify client details

3. Perform client and official screening, research and analyze negative client findings, raise red flags