JIA XU

1. Participate in audit project preparation stage: audit planning, confirmation of scope, preliminary discussion with auditees, etc.

2. Conduct audit fieldwork, including but not limited to process walk throughs, writing audit work programs, perform sample testing, accurately identifying control gaps and appropriately describing the related risks of issues identified.

3. Collect sufficient supporting documents, prepare working papers, actively participate in the process of identifying potential findings, drafting conclusions, revise and update paper work in a timely manner, and ensure completeness/accuracy of all the working papers/documentations.

4. Assist in preparation of initial draft for internal audit reports, facilitating discussions with process owners to develop action plans and follow up on management actions within committed timelines and validating remediation actions, wherein applicable, taken by management and immediately escalating any significant issues identified without waiting for final report issuance.

5. Undertake other assigned responsibilities.

• Conducted thematic reviews and provided actionable recommendations that enhanced lending positions, resulting in a 12% improvement in risk management and reduced instances of bad debt.
• Prepared and presented internal & external reports for management review, ensuring 100% accuracy and timely submission, which improved management decision-making and operational efficiency.
• Scrutinized exceptional reports and past due/limit excess data, identifying key areas for improvement,which contributed to a 10% reduction in overdue accounts and improved credit risk monitoring.
• Maintained proactive communication with business units to address credit risks, resulting in a 20% decrease in high-risk account activities through early identification and swift intervention.

• Established the monitoring policies with business units, identifying high-risk accounts, leading to a 20% reduction in credit losses through proactive monitoring and early intervention.
• Monitored past-due and excess accounts, collaborating with business and relationship managers to address overdue accounts, reducing outstanding balances by 15% through timely follow-ups.
• Prepared detailed portfolio review analyses for management, contributing to data-driven decision-making that improved credit risk management and reduced non-performing loans (NPL) by 10%.
• Handled data processing & risk reporting, ensuring accurate credit risk assessments and streamlining system operations, improving risk reporting efficiency by 25% & enhancing operational transparency.
• Reported projected non-performing loans scenarios, providing worst-case analyses that contributed to better risk forecasting and strategic planning, minimizing potential financial exposure by 18%.

• Conducted thorough customer profile analysis and KYC procedures, ensuring high-quality credit applications and enabling a 30% improvement in credit approval efficiency & compliance adherence.
• Strengthened bank-customer relationships by expanding existing customer portfolios, resulting in a15% increase in overall portfolio holdings and improved long-term client loyalty.
• Proactively recommend consumer banking products to targeted customers, increasing product uptake by 20%, and boosting sales revenue by 10% through tailored financial solutions.

• Gathered customer profiles, conducting KYC procedures, and ensuring high-quality credit applications, resulting in a 25% improvement in credit approval efficiency and reduced risk exposure.
• Successfully delivered asset allocation and suitability assessments, improving clients' financial planning outcomes, leading to a 30% increase in cross-selling of financial products and services.
• Provided regular feedback to managers and marketing teams on product processes, contributing to a10% improvement in product offerings and enhanced customer experience. Established and maintained strong relationships with over 50 clients, securing new business and deepening existing relationships, resulting in a 20% increase in portfolio value.