 Responsible for corporate customer credit risk rating, on-site due diligence and credit project assessment as an entitled professional approver in CEB. Carried out more than 300 credit projects with extensive industry coverage. Have accumulated rich experience in different business scopes, including working capital credit, individual group credit, off-balance-sheet trading credit, fixed assets loan, corporate supply chain financing and government debt. Accumulated profuse experience in responding to disposition facing with the regional economic downturn situation. Have good skill in managing the critical risk factor and make the optimized decision for credit options. Strived for the max interest of Suzhou Branch, on the premise of keeping the risk in controllable range and compliance is to be guaranteed. under theand optimization of credit options through in control of critical risk factors with honing in the environment of frequently occation. Kept non-performing rate <5% during the in-service, and also was well received both from branch and head office. Leaded the development of SME credit risk assessment model, floating capital loan demand model and the tool-kits for calculating the credit-committing limitation. The models above have been applied in daily operation in national-wide. Conducted the continuous survey for the leading companies and revise the entry criteria in time, thus to optimize the investment strategy of head office Undertake the risk assessment for some innovation business, have some experience in government fiscal factoring, Bank-leasing company corporation platform, Gold leasing business, Advances option and direct financing

 Accumulated rich practice experience in corporate finance, through paticipating in public company audit, responsible for walk-through test, internal control risk review and working paper establishment. Have built up solid experience in consolidated statement preparation and familiar with the features of pre-IPO enterprise finance through participating in 3 IPO auditing projects. Have reviewed more than 10 listed companies and many non-listed companies’ tax working paper, and provided the tax compliance memos.  Experted in handling establishment, liquidation, merge, acquisition, share transfer and transfer pricing from the perspectives of corporate governance structure and tax optimization. Have helped 3 top 500 MNCs to set up their China Holding Company(CHC) and Regional Head Quarter(RHQ) in Great China. Have built up good relationship with both corporate customers and government in the process. Have efficient and individual working competence

 Had a long rotation in cash teller and accounting teller, familiar with the work details in commercial bank basic position; Systematically rotated in personal loan manager, financial planning manager and hall manager, known well the products, service and process in the whole dept. of individual finance, and had the ability to offer the high –quality personal financial analysis; As account manager in dept. of corporate finance, offering the systematic financial service to enterprise, including cash management, loan plan, intermediate business and other derivative service, and being responsible of maintenance of client resource.

 Participated in Zhonghua toothpaste new product promotion process, including idea generation, screening, concept testing and test marketing, and oversee the 6 classical product repackaging procedure; With the service from data supplier, conducted the products cost, price and market share analysis by brands or product lines, and accomplished report more than 20000 words; With responsibility of communication with ad-agency in South Asia, transacted non-trade foreign exchange revenue and expenditure operations and daily maintained the record of department cost.