• Gained insightful understanding and exposure to the credit cycle of Corporate and Retail banks.• Highly commended for the comprehensive reviews performed on the Banks’ credit evaluations by challenging key assumptions made, taking into account various financial and economical aspects.• Assessed the sufficiency of the Banks’ portfolio reviews and stress tests performed by the Bank to determine gaps in portfolio risks identification and made corresponding recommendations.• Established an extensive understanding of the linkages and flows between the Banks’ policies, connecting the Banks’ internal credit rating, watch list status and staging to ensure accurate ECL provisioning and compliance with IFRS 9. • Explored robustness of the Banks’ collateral portfolio monitoring process, identifying key deficiencies and suggested process improvements.• Investigated the deficiencies in the Banks’ limit granting approval process provided to the individual business units, highlighting direct areas of weakness and proposing preventative solutions.• Reviewed the Banks’ MAS 637 Schedules submitted to MAS to ensure compliance with MAS Notice 637.

• Executed day-to-day activities of audit engagements for primarily Singaporean companies (manufacturing, logistics, services, and financial services).• Involved in a large portion of the audit engagement, from the preparation of planning documents up until the issuance of the financial statements. • Ensure effective flow of information from the client to the audit seniors and managers. • Applied working knowledge of Singapore Financial Reporting Standards.• Intermediate proficiency of MS Excel (e.g.: vlookup, if functions, macros, etc.) for the preparation of Working Papers, and ATLAS (audit software). • Learned to tackle challenges of operating remotely which developed perseverance, adaptability and efficient communication which allowed for better team management and prompt rectification of errors.

• Intermediate understanding and usage of AUDIT EXPRESS and BRASSTAX• Completed audit engagements for Joint Management Bodies, Management Corporations, and Sdn. Bhd.'s • Familiar with Companies Act 2016, Strata Management Act 2013, and Malaysian Private Entities Reporting Standards (MPERS)

• Aided in the auditing of multiple client companies under KPMG.• Tasks accomplished includes vouching data, locating business evidence, reviewingbusiness managements accounts, statutory audits, stock counts.• Hours were long and hard which thus allowed for the development of my ownperseverance and willingness to push through during difficult times. In many ways, theexperience here gave me the opportunity to showcase and practice all the skillsaccumulated so far.