Jiuyu(Jack) Wang
Richmond,BC
Summary
Highly developed communicator with outstanding capabilities in complex problem-solving and conflict resolution. Proficiency in loans, loan monitoring, analyzing financial statement(personal and corporate), risk management. Knowledge in investments, economics analyst. Frequently praised as focused by my peers, love to make friends and communicate with people. I can be relied upon to help your company achieve its goals. Fluent English and Chinese (Mandarin) writing and speaking, currently holding an IFIC Certification
Overview
4
4
years of professional experience
1
1
Certification
Work History
CIBC MORTGAGE ADVISOR
Canadian Imperial Bank of Commerce - CIBC
Vancouver, BC, Canada
11.2022 - Current
- Negotiating with banks and credit lenders to find the best loan solution for the client
- Underwriting financial statements and credit bureau of borrowers and guarantors
- Assess loan documents provided by clients and find potential issues that may arise attention to ensure compliance with banking and financial legislation on the state and federal levels
- Analyzing economic trends and including unemployment rate, bank of Canada policy rates, commercial bank prime rate and deliver the results to supervisor
- Analyzing real estate data on different internal website, collect the data and report to manager
- Ensure the accuracy of the credit portfolio data including collaterals and ensure compliance with the prescribed credit risk management policy and procedures
- Conducting periodic credit analysis of loan assets
- Daily administration and monitoring of the loan portfolio and draft reports to the supervisor for the status after each loan funded
- Assisting clients with pre-approval on loans, analyzing and comparing different loan options available to the clients
- Compile management information on sectorial lending to facilitate analysis of trends and decision making
- Proactively manages credit risk and exposure for the credit portfolio to minimize the migration of asset finance, SME and corporate to non-performing category
- Ensure collection of the arrears for accounts in Normal and Watch category and propose remedial actions
- Educating clients on their legal and financial options and ensuring that they understand them
- Helping clients complete and understand all the necessary paperwork.
Financial Advisor
Homei Properties LTD.
Richmond, BC, Canada
05.2022 - 11.2022
- Conduct analyses, independently or in teams, on economic or real estate issues
- Undertake individual assessments and forward to immediate supervisor within the stipulated timeliness
- Liaise with banks for financing and managing investment portfolios
- Prepares and processes accounts receivable related invoices, payments, credit memos and adjustments
- Processes accounts payable invoices, including preparing documentation for payment, coding, tracking and monitoring payment
- Prepares monthly reconciliations
- Administers the petty cash account including reimbursements and reconciliation
- Review client's loan documents and report to the banks
- Responsible for calling customers, issuing notices
- Processing periodical credit reports on asset finance for the management and Board Credit Committee.
Loan Officer Manager
Ambergreat Fintech Corp.
Vancouver, BC, Canada
05.2020 - 12.2021
- Response for daily loan approval transactions, answering incoming and outcoming calls, responding emails, providing explanations of different kinds of loans with different interest rates to customers throughout the phone or in person
- Loan monitoring, for each funded loan, collect data from clients, analyzing clients or corporates in different industry
- Sale to customers of different kinds of loans, gathering customers information and using the internal and external information to give them the best choice according to their situations to meet their needs, monitoring each customer to sign the contract and give them best explanation of the contract
- Underwriting client's documents including employment history, credit report, corporate status, monthly statement for the cooperate to run the credit risk management
- Responding for calling the customers to collect loans, taking legal action on outstanding debts, dealing with difficult customers and tactfully resolving complaints or problems
- On-line loans management, receive on-line loan applications and Investigations of credit worthiness, analysis of an applicant's financial situation and/or determination of the risk to the creditor for the granting of loans.
Education
Bachelor's in Economics - Economics
Simon Fraser University
09.2019
Skills
- Banking
- Analytics
- Financial Analysis
- Mandarin
- English
- Financial Sales
- Microsoft Office
- Financial Services
- Financial Planning
- Loan Monitoring
- Customer support
- Data Analysis
- Research
- Risk managment
Certification
IFSE CANADIAN MUTUAL FUNDS, 12/01/23, Present
Timeline
CIBC MORTGAGE ADVISOR
Canadian Imperial Bank of Commerce - CIBC
11.2022 - Current
Financial Advisor
Homei Properties LTD.
05.2022 - 11.2022
Loan Officer Manager
Ambergreat Fintech Corp.
05.2020 - 12.2021
Bachelor's in Economics - Economics
Simon Fraser University
IFSE CANADIAN MUTUAL FUNDS, 12/01/23, Present
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