Joyce N. Email & Phone Number

An experienced Credit Risk Analyst specializes in analyzing financial statements and operating information relating to corporations and industries. Able to form effective working relationships through collaboration with outstanding communication and interpersonal skills. Dedicated customer service professional with extensive experience in various industries with a motivation to maintain customer satisfaction and contribute to company success. Energetic and result-oriented with a passion for developing relationships and cultivating partnerships.

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  Credit Risk Analyst

  Mizuho

  Jan 2018 - Present - Singapore

  • Maintained and update customer credit information (at least annually) to assure up-to-date credit and financial information. This includes the customer’s profile and financial information, as well as preparing rating application immediately upon receiving the latest audited financial statements from customers.• Conducts periodic financial analysis on existing customers.• Assist, monitor and perform periodic checking on the financial covenants of facilities governed by stipulated financial covenants. This is done to protect the Bank from the deterioration of the Borrower’s creditworthiness during the lifetime of the loan facility granted.• Handle external and internal audit enquiries as well as Head Office/MAS reports related to credit issue of customers.• Evaluate credit applications submitted by SPCB / AOCB and Control Offices .• Solely responsible for the preparation and submission of MAS reports:o MAS S35 (Quarterly) and;o Credit Migration Report (Semi-Annual).• In charge of preparing the following reports for monthly Portfolio Meeting:o Share Price Movemento Early Warning Sign Reporto MacroPrudential Dashboard• In charge of preparing, analyse and presentation of the following reports for monthly Portfolio Meeting:o Industry Concentration Report• Responsible for the preparation and sending of Weekly Early Warning reports to respective branches and departments.