Joy Kao

Joy Kao Email and Phone Number

Senior Credit Analyst at Mega International Commercial Bank @
Joy Kao's Location
Brisbane, Queensland, Australia, Australia
Joy Kao's Contact Details

Joy Kao work email

Joy Kao personal email

About Joy Kao

Highly Accomplished Senior Credit Analyst with progressive experience in managing credit, nurturing customer relationships, and directing all financial planning within the banking industry. Demonstrated knowledge of credit systems, financial collections, debt management, and all related credit-based system operations. Proven ability to provide cost-saving evaluations by applying detail-oriented mind-set. Known for supervising simultaneous projects in high-pressure environments with professionalism. Proficient in adapting to new procedures as business climate changes. Excellent communicator who negotiates relationship-building business agreements with win-win scenarios.

Joy Kao's Current Company Details
Mega International Commercial Bank

Mega International Commercial Bank

Senior Credit Analyst at Mega International Commercial Bank
Joy Kao Work Experience Details
  • Mega International Commercial Bank
    Senior Credit Analyst
    Mega International Commercial Bank Aug 2016 - Present
    Brisbane, Australia
    Fully accountable for evaluating credit applications, reviewing financial statement of saving and investment for assessment of overall credit risk. Improve company performance by recommending additional loan products to customers, generating credit submission for specified introducer, and developing customized exit strategies for each customer. Ensured policies and approval compliance accorded with department’s standards.
  • Taishin International Bank
    Assistant Manager
    Taishin International Bank Oct 2015 - Aug 2016
    Brisbane, Australia
    Leveraged expertise in producing account opening application forms, reviewing loan and legal documents in order to comply with regulated requirement. Professional supported Risk and Compliance Manager for setting up AML/CTF system and branch policies establishment. Applied for Exchange Settlement Accounts (ESAs) in Reserve Bank Australia.
  • Mega International Commercial Bank
    Credit Analyst
    Mega International Commercial Bank Apr 2014 - Sep 2015
    Brisbane, Australia
    Held accountability for evaluating applicant’s financial status, credit report to determine feasibility of granting loan. Provided customer service support and professional financial guidance. Compared liquidity, profitability, credit history and bank statement to determine profitability and risk of client. Performed loan administration tasks such as preparation of loan documents, disbursement and repayment of loans.
  • Mega International Commercial Bank
    Bank Teller
    Mega International Commercial Bank Jul 2011 - Apr 2014
    Brisbane, Australia
    Accountable for cash management, processing loan draw down, repayment, renewal and managing the settlement process. Processed standard teller transactions for customers including deposition/withdrawal, account opening, serving client accounts and correcting discrepancies.

Joy Kao Skills

Financial Analysis Commercial Lending Small Business Lending Customer Service Microsoft Office Microsoft Excel Microsoft Word Powerpoint Management Teamwork

Joy Kao Education Details

Frequently Asked Questions about Joy Kao

What company does Joy Kao work for?

Joy Kao works for Mega International Commercial Bank

What is Joy Kao's role at the current company?

Joy Kao's current role is Senior Credit Analyst at Mega International Commercial Bank.

What is Joy Kao's email address?

Joy Kao's email address is ca****@****ail.com

What schools did Joy Kao attend?

Joy Kao attended The University Of Queensland, Griffith University.

What skills is Joy Kao known for?

Joy Kao has skills like Financial Analysis, Commercial Lending, Small Business Lending, Customer Service, Microsoft Office, Microsoft Excel, Microsoft Word, Powerpoint, Management, Teamwork.

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