Patrick Chang Email & Phone Number

Taiwan

Taipei City, Taiwan

• International Credit Risk Management DepartmentMain Responsibilities:
• Analyzes obligors’ performance, the impact of industry, competitive dynamics and macroeconomic events on the creditworthiness of obligors.
• Making strategic decisions and provide guidance both on post loan management and obligor’s provision rate.

Taipei City, Taiwan

• Loan Management DepartmentAt Loan Management Sector (Apr. 2014 - Present)Main Responsibilities:
• Amending related policy or internal regulation, advising on compliance, legislative and regulatory requirements as requested by the internal regulation or external supervision.
• Provide internal legal advice according to the requirements of the business department or the person in charge of management.
• Monitoring existing loan covenants, available credits of Term Loans or any other policy-based lending.
• Statistics for existing loan agreement by Credit rating, Collateral items or Size of the borrower.At Corporate Banking Audit Sector (Sep. 2013 - Apr 2014)Main Responsibilities:
• Audit on various business credit requests including Securities-Collateralized Lending, Working Capital Loans, Business Term Loans, Equipment Financing, and the Credit Line of TMU Products.

Taipei City, Taiwan

• ◎Auditor in Charge of Jih Sun Futures Co., Ltd.◎Auditor engaged of Jih Sun Financial Holding Co., Ltd. and Entie Commercial Bank Co., Ltd.
• Audit and Internal Control Reports for engagement projects.
• Mapping of financial statements with the key risk factors and related financial assertions.
• Evaluating internal controls, identifying control deficiencies and making appropriate recommendations to the management.
• Local ROC GAAP/IFRS conversion projects.
• Main auditing area: Investment, Derivatives, and BIS Ratios.