Banking product design and development.problem solutions for operation process , efficiency , and management etc. Training programs .

Assigned to China Guangfa Bank as a Senior Risk Consultant .1. Facilitated credit risk design to build professional terms covering credit approvals , account maintenance , and comprehensive collections process .2. Devised and provided professional training to both centralized and branch staff .3.Reinforced fundamental product program concepts that improve overall product design and provided clearer concepts to embed risk control directly into credit acceptance criteria . ( eg. customer segmentation , risk-based pricing etc . ) 4. Design the product procedure for Developer Finance , Micro Business Finance and others .5. Negotiation with the Front-line sales for credit terms of client and business opportunity .

Retail Banking Products Credit Director, Senior Vice President• Responsible for devising/implementing credit policy that governs full spectrum of both secured as well as unsecured loans including mortgage, unsecured personal loans (UPL), auto loans, loans to small-medium enterprises (SME), etc. Manage 70+ retail banking credit professionals, including responsibility for both new loan origination as well as subsequent portfolio management necessary to optimize account profitability. • Standing member/key participant in all aspects of Taishin Credit Committee decision-making.• Responsible for both credit processing efficiencies along with collateral appraisal quality• Key participant in Taishin’s “Lean Project“ – designed to streamline Retail Banking loan application processing structure (covering Mortgage, Auto and UPL, etc.). Project reduced end-to-end processing time and improved service quality without sacrificing prudent controls. Developed credit decision framework that not only emphasizes risk-reward balance, but also customer segmentation by risk grade to achieve business objectives. As a direct result, Taishin retail banking asset credit performance by vintage generally held steady or improved over time despite market-wide credit card stress FY 20052007.  1st Mortgage Non-Performing Loan ratios generally averaged between 0.2 – 0.4% (FY 200207). 2nd Mortgage, UPL and Auto Loan vintage performance steadily improved year-on-year after FY 2005

• Responsible for either rehabilitating or liquidating stressed mortgage accounts. Offered debtors options that ranged from loan restructures to either short-sales or principal settlements.• Managed 30+ credit staff to complete both monthly high risk and annual line review process for all revolving mortgage accounts (part of a US$ 3.0Bn portfolio). Evaluated accounts by applying rule-based performance and bureau review criteria. Retained credit authority to approve complex workouts involving either earthquake damaged collateral, overburdened debtors or otherwise problem properties.

Retail Banking Credit Approval and Collections – Department Head/Vice President• Responsible for devising and implementing Retail Banking credit policies/processes that managed Residential Mortgages, Unsecured Personal Loans and/or Auto Loans (US$ 2.0+Bn Asset portfolio). Directly reported to Consumer Business Risk Manager. Managed both policy and productivity issues for 30+ credit officers and staff. Provided both credit training and process direction. Reviewed and approved most complex consumer credits. • Regularly monitored both approval demographics along with subsequent performance to upgrade credit decision-making.• Supervised collection strategies and regularly evaluated foreclosure vs. OREO recovery options.• Managed full range of external vendors/counterparties including appraisal companies, external collection agents, auto dealers, scriveners, etc. Responsible not only for credit/recovery performance, but also expense controls and customer service quality.• Backed up AAB Malaysia Consumer Business Risk Manager from Jun  Aug 2000 on special overseas assignment.