Wai Choi Chung (SAM)
Markham,ON
Summary
Results-driven lending expert with proven track record in managing financial portfolios and driving loan growth. Skilled in risk assessment, regulatory compliance, and strategic planning. Strong focus on team collaboration, adaptable to changing needs, and reliable in achieving targets. Highly valued for leadership, analytical thinking, and effective communication.
Overview
16
16
years of professional experience
1
1
Certificate
4
4
years of post-secondary education
Work History
Vice President of Lending
China Construction Bank (Asia) Corporation Limited
10.2022 - 12.2023
- Mentored junior staff members by providing guidance on complex credit analyses, negotiation tactics, and relationship management techniques.
International Relationship Manager
HSBC Bank
04.2017 - 10.2022
- Managed a high-performing team of loan officers, ensuring consistent achievement of targets.
- Negotiated favorable terms with financial institutions, leading to better rates and lower costs for borrowers.
- Optimized underwriting guidelines to strike a balance between risk management and customer needs.
- Reduced delinquency rates by implementing stringent pre-approval screening procedures coupled with effective post-disbursement monitoring mechanisms.
- Advised clients on optimal financing solutions based on their individual needs and objectives.
Vice President of Lending
CTBC Bank
08.2015 - 03.2017
- Designed and maintained financial models to identify and measure risks.
Assistant Vice President
China CITIC Bank International
03.2015 - 08.2015
- Collaborated closely with executive leadership to align department goals with overall company objectives, resulting in stronger organizational cohesion.
Vice President of Lending
CTBC Bank
04.2013 - 03.2015
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
Corporate Banking - Relationship Manager
Nanyang Commercial Bank
03.2010 - 04.2013
- Monitored pipelines to track and log status of loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Interfaced with various internal banking departments to coordinate delivery of other banking services to clients.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Vice President of Lending
Standard Chartered Bank
01.2008 - 03.2010
- Established robust pipelines of potential clients through effective networking initiatives.
Education
Diploma - Building Systems Engineering Technician
Seneca Polytechnic
Toronto, ON 01.2024 - Current
Bachelor of Science - Building Engineering & Management
The Hong Kong Polytechnic University
Hong Kong 09.2003 - 06.2006
Skills
Team management
Sales leadership
Credit analysis
Loan origination
Portfolio management
Financial acumen
Documentation review
Loan underwriting
Cash flow analysis
Financial assessment
Willing to learn
Teamwork and collaboration
Customer service
Time management
Attention to detail
Problem-solving abilities
Multitasking Abilities
Reliability
Critical thinking
Organizational skills
Team collaboration
Decision-making
Active listening
Effective communication
Adaptability and flexibility
Prioritizing and planning
Relationship building and management
Self motivation
Conflict resolution
Interpersonal skills
Languages
English
Full Professional
Chinese (Cantonese)
Native or Bilingual
Chinese (Mandarin)
Native or Bilingual
French
Elementary
Certification
- Building Environmental System (BES™) Operator Class II
- BES™ Operator Class I
- Ontario Full G Driving License
Timeline
Diploma - Building Systems Engineering Technician
Seneca Polytechnic
01.2024 - Current
Vice President of Lending
China Construction Bank (Asia) Corporation Limited
10.2022 - 12.2023
International Relationship Manager
HSBC Bank
04.2017 - 10.2022
Vice President of Lending
CTBC Bank
08.2015 - 03.2017
Assistant Vice President
China CITIC Bank International
03.2015 - 08.2015
Vice President of Lending
CTBC Bank
04.2013 - 03.2015
Corporate Banking - Relationship Manager
Nanyang Commercial Bank
03.2010 - 04.2013
Vice President of Lending
Standard Chartered Bank
01.2008 - 03.2010
Bachelor of Science - Building Engineering & Management
The Hong Kong Polytechnic University
09.2003 - 06.2006
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Some people want it to happen, some wish it would happen, others make it happen.
Michael Jordan
Work Preference
Work Type
Full TimeWork Location
On-SiteHybridImportant To Me
Work-life balanceCompany CultureCareer advancementHealthcare benefitsPaid time offTeam Building / Company RetreatsPaid sick leaveStock Options / Equity / Profit SharingAccomplishments
- Supervised a team of 6 staff members.
Software
MS office
AutoCAD
Revit
Interests
Soccer
Motorbike
Hiking
Camping
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