Mandy Lin Zhihan

• Manage portfolio in Commercial Banking including perform annual reviews, prepare credit proposals and enhance the profitability of existing customers portfolio through a variety of products offered.
• Identify clients’ needs and capture new financing to meet personal targets and department targets
• Ensures compliance with regulatory requirements and bank’s policies/ guidelines at all time.
• Coordinate with other departments to facilitate the drawdown of facilities, maximize process efficiency and customer satisfaction.
• Cross-sell a wide range of banking products and services including Treasury, Payments and Cash Management, and Trade Services with support from product specialists.
• Provide updates on customer information to relevant parties in the bank

• Acquire and build a strong network of customers for SME banking segment, while ensuring consistent sales performance record.
• Analyze customers’ financial requirements as well as cross sell a full range of SME products i.e. insurance, credit cards, merchant, current/ savings account, fixed deposits and etc
• Manage and grow existing customers and ensure quality customer service is provided at all times.
• Provide after sale service to strengthen relationships with customers and ensure consistent delivery of superior banking experience
• Achieve individual sales revenue targets and execute business plans and strategies set by the Bank.
• Comply with all relevant rules and regulations governing the Bank’s business.

• Involved in development of corporate rating model portfolio which consists of Large Corporate and Middle Market Model (LCMM) and Singapore Corporate Rating Model (SCRM).
• Involved in data preparation for LCMM & SCRM calibration and identify exclusion rules and finalize the corporate and middle market obligor base.
• Liaised with data management team, business users and IT team for data collection and process raw data to compute long run PD.
• Prepared corporate manual override tracking compilation for model tracking and BNM compliance by collecting data from customers’ Credit Application.
• Act as support for Credit Rating Model.
• GRMC / BRC Reporting - Prepare monthly reports for submissions
• Regional Corporate Model Development - Collection of credit files of default customers and data collection and compilation

• Act as intermediaries or arrangers of deals between authorized financial institutions in foreign exchange and domestic money market.
• Bring together the buyers and sellers, to optimize the price and accurately and faithfully execute the traders’ orders.
• Provide quality service to clients focusing on their immediate and long term needs.
• Ensure deals done with financial institutions are handled in a professional and efficient manner with reputation.
• Established and developed new account relationships. Bring in new clients which produce significant business in dealing areas.

Portfolio Strategy Division

• Assist the Chief Economists to review the Strategic Assets Allocation policy and perform benchmarking assessment with international pension funds.

Fixed Income Division

• Assist the credit analyst and fixed income fund managers to perform credit review on the company names in the portfolios.
• Provide feedback to the credit analyst/fixed income fund managers on the result of credit review.

Performance Management

• Assist the senior analysts to carried out performance attribution analysis i.e. assess and identify the strength/performance of the fund managers. This includes sector allocation and stock selection analysis.
• Compute and analyzed the Time Weighted Rate of Return (TWRR) for the respective portfolios and benchmarked against the FBM KLCI 100-Equity and MGS All-Government Bonds.
• Assist in preparation of performance management pack for the head of department.

Risk Management

• Assist the Market risk manager to compute and assess the overall risk of the equity portfolio by utilized Value at Risk (VAR).
• Provide recommendation based on VAR approach and improve the overall risk adjusted return of the portfolio.