Jianyu Zhao
Abu Dhabi,UAE
Summary
Experienced credit expert with extensive expertise in credit decisions, analysis techniques, and compliance. Proficient in credit control, customer credit checks, and risk evaluations. Demonstrated ability in managing credit limits, monitoring exposure, and conducting financial viability assessments. Skilled in project finance and credit rating analysis. Committed to enhancing credit risk management processes and ensuring regulatory adherence.
Offering strong background in financial analysis and customer service. Knowledgeable about risk assessment and credit control with knack for problem-solving and communication. Ready to use and develop analytical, negotiation, and decision-making skills in Credit Manager role.
Overview
15
15
years of professional experience
4
4
years of post-secondary education
Work History
Credit Manager
Bank of China Ltd Abu Dhabi
Abu Dhabi , UAE
08.2024 - Current
- Submit and review CBUAE data and reports, and implement CBUAE notices and policies. Conducted comprehensive credit risk assessments for improved lending decisions.Ensured compliance with company policies by conducting regular audits of credit processes.Alleviated financial risk through thorough analysis of clients' credit history.
- Responsible for the branch's comprehensive risk management of credit risk, operational risk, environmental and social risks, etc., conduct risk checks on a quarterly basis, and submit risk reports. Responsible for risk classification initiation and review, loan classification downgrade and LGD calibration. Have relevant work experience in the disposal of special mention loans and non-performing loans.
- Control the relevant risk factors of credit clients from multiple angles and have rich experience in the prerequisites, constraints and management requirements for credit approval. Review Obligors and associated exposures every year. Set the conditions triggering more frequent risk rating, and the conditions triggering technical amendments to a Facility.
Head of Team
Bank of China(Dubai) Branch
Dubai , UAE
11.2016 - 08.2024
- In charge of industry teams, financial institution teams and internal control and compliance teams. Familiar with the market conditions of key customers, industries, countries, etc. in the region.Strong external marketing and professional technical capabilities, excellent internal communication and management skills, and a strong sense of the overall situation and sense of responsibility.
- Possess extensive experience in corporate finance (syndicated loans, structured financing) and financial institutions.Successively implemented a number of influential key projects and businesses in the Middle East. Involves industries such as infrastructure, energy and electricity, construction and real estate, transportation and logistics, telecommunications, oil and gas, chemical industry, financial institutions and sovereignty.
- Responsible for the centralization management of compliance risk. Including: i. KYC related works on clients (including financial institute) across the bank; ii. Responsible for statistics, training, policy transmission and other functions related to anti-money laundering compliance work within the department. Responsible for the establishment and management of all records related to the credit business and reconciliation with system on monthly basis, to ensure the accuracy and timeliness of business data.
- Coordinated with risk management for departmental operation. Including: Cooperating with the Risk Management Department to regularly review whether the identification of operational risk factors are comprehensive, whether the operational risk control measures are effective, and collecting and reporting operational risk matters to the Risk Management Department.
Branch Manager
Bank of China, Wuxi Erquan Sub-branch
Wuxi , China
05.2014 - 11.2016
- Improved branch productivity by implementing efficient work schedules.
- Developed and implemented strategies for increased customer satisfaction.
- Managed daily operations to ensure smooth running of the branch.
- Fostered a positive work environment, improving overall team morale.
Relationship&Product Manager
Bank of China Wuxi Branch
Wuxi , China
07.2009 - 05.2014
- Responsible for clients in corporate finance, administrative institutions, financial institutions, investment banking asset management, inclusive finance, personal finance, etc.
- Established strong client relationships by providing exceptional customer service. Developed new business opportunities for enhanced revenue generation.
- Achieved high customer satisfaction with regular follow-ups and updates. Managed complex client portfolios to maintain profitable relations.
- Built lasting relationships with key stakeholders through consistent engagement activities. Coordinated with cross-functional teams, ensured smooth project execution.
Education
Bachelor of Economics - Marine Economics
OCEAN UNIVERSITY OF CHINA
Qingdao/China 09.2005 - 05.2009
Skills
- Credit decisions expertise,analysis techniques,Credit limit management, Compliance and regulatory understanding
- Project finance expertise,Financial viability assessment
- Credit analysis,rating analysis,control proficiency, check management,risk management,exposure monitoring
Customer credit checks,Risk evaluations
Languages
English
Advanced
Chinese (Mandarin)
Native
Affiliations
- Reading, sports, travel, digital and Internet.
Accomplishments
- Thomson Reuters PFI, Global Deal of the Year (Saudi Arabia, Jazan Project).
- PFI, Middle East and Africa, Power Deal of the Year (Dubai, Hassyan, DEWA CSP Project).
- PFI, Middle East and Africa, Project Finance deal of the Year (Abu Dhabi, Lighting project).
- "Bonds, Loans & Sukuk Middle East Awards" Project Finance deal of the Year.
Timeline
Credit Manager
Bank of China Ltd Abu Dhabi
08.2024 - Current
Head of Team
Bank of China(Dubai) Branch
11.2016 - 08.2024
Branch Manager
Bank of China, Wuxi Erquan Sub-branch
05.2014 - 11.2016
Relationship&Product Manager
Bank of China Wuxi Branch
07.2009 - 05.2014
Bachelor of Economics - Marine Economics
OCEAN UNIVERSITY OF CHINA
09.2005 - 05.2009
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