- Act as a key agent in driving change to bank-wide credit operations, including policy, guidelines, and procedure- Liaise with regulatory bodies such as OSFI and respond to supervisory letters, in order to assess, defend, and improve on critical areas of the Bank’s credit operation.- Oversee and ensure day-to-day credit operation is reflective of the Bank’s evolving strategy, short and long term goals, regulatory recommendations, and changing environments by mandating Loan Policy and guideline- Analyze ongoing market changes within the industry and periodically report findings to senior management, Board of Directors, and Risk Management Committee- Manage Credit policy and governance standards and to spearhead remediation projects related to regulatory and audit findings. - Evaluate the loan portfolio, analyze developing trends, and recommends changes and improvements based on the bank’s risk appetite and practices- Monitor the performance of Credit Rating Models for both retail and commercial portfolio- Review and monitor IFRS 9 ECL (Expected Credit Loss) Model performance and analyze the impact of ECL movement such as Stage movement - Forecast future ECL impacts to the bank’s credit portfolio based on economical trends and change in risk components (PD and LGD factors)- Member of Loan Committee (Lending Decision Committee), Risk Management Steering Committee and Allowance Committee- Participate various credit related initiatives and ensures the compliance of the bank’s lending policy and procedure as well as any regulatory requirements- Work closely with the President/CEO, CFO, CRO, CCO, VP of Operations, VP of Human Resource, VP of Marketing, and VPs of Credit - Assist in the training and development of staff, and provide technical expertise and advice regarding products, systems, and processes

- Monitor day-to-day credit operation is reflective of the Bank’s evolving strategy, short and long term goals, regulatory recommendations, and changing environments by mandating Loan Policy and guideline- Prepare and report on status of credit portfolio to senior management- Assist Chief Credit Officer to establish Credit policy and governance standards and to spearhead remediation projects related to regulatory and audit findings. Works in close collaboration with subject matter experts in Credit Coverage, Capital, Risk Analytics, and Reporting, as well as other departments- Ensure key partners, such as underwriters, and loan originators, are invested in change initiatives, by creating focus groups ahead of major alteration to policy or guideline- Communicate and disseminate change throughout organization by preparing training material and seminars for internal partners- Review any credit data integrity and remediate any gaps noted - Review & Manage various credit portfolio reports (financial, regulatory, financial, and parent bank reports)- Monitor performance of credit assessment model for Retail & Corporate portfolio and maintain system maintenance of retail underwriting and reporting system

Project: Development of Automated Underwriting System using Retail Probability of Default (PD) scoring model- Led and supported the project team with strong initiatives- Prepared executive summaries related to projects and miscellaneous correspondence - Established prerequisite to develop on Automated Underwriting System- Developed scheme of monitoring of CSS model (Stability: PSI, CAR / Discrimination: Divergence, K-S Statistic, AUROC) and business performance related to CSS model

- Analyzed and aggregated customer date to reduce bank loan portfolio risk; synthesized predictive business intelligence churn models to uncover high-risk customers, resulting in a risk reduction through targeted initiatives- Developed cash flow and predictive models for analyzing customer repayment capabilities; enabling lower-risk loan conditions- Assessed the application based on repayment capability (Debt Service Coverage Ratio), collateral analysis, credit risk rating, and other factors which can be influential a prudent credit decision making to prepare a credit presentation to be submitted for to Loan Committees- Conducted rigorous analysis of various commercial real-estates with 3rd party appraisal report and/or independent assessment- Mentored and trained less experienced underwriters and support staff

- Maintained the loan portfolio of the branch - Supervise the approval of new and renewal of accounts by junior staffs of low to mid risk loans. - Underwrote new commercial accounts from interview to underwriting to disbursements- Handle clients and accounts between $5.0M ~ $10.0M held in branch with particular attention to administration of problem loans