WANG MING YAO

• Managing a group of 30 portfolios under different industry segments to maximize bank's profit and to conduct Annual Credit Review on my portfolios in ensuring Borrower's financial performance are within bank's credit expectation.
• New Credit Propostions, Reviewing each portfolios semi-annually / annually to ensure that the Repayment Capability, Security Arrangement, Condition Precedent / Terms and Conditions are in complied, and to act accordingly in protecting Bank's interest should there is any breaches.
• Built trust with clients by maintaining confidentiality and handling sensitive information professionally at all times.
• Worked with branch partners to maximize sales efforts to business customers and cross-sell other products and services.
• Collaborated with internal teams to deliver comprehensive wealth management services, maximizing client satisfaction and loyalty.

• Taking care a group of 30 plus borrowing accounts covering Oil Palm Plantation, Traders of Industrial machinery / tools, Security Alarm and accessories, Property Developers, Mechanical and Engineering service provider, Traders of Liquidified Petroleum Gas, Transporation / Logistics, Traders of metal products, Contractors (infrastructure, civil engineering etc), Wholesaler of car tyres, Auto Parts and accessories, wholesale of FMCG products.
• Act as Hyrbid Role (Hunter + Farmer)
• To put up new Credit Applications / Proposals, Annual Credit Review, Account Strategy Planning, Monitoring existing Covenants / Terms and Conditions on every accounts.
• Involved in Restructure and Reschedule proposals, Trade Finance application submission / advise, Loan Drawdown, and preparation of Sales reports / Loan Stocks / Special Rate approval.
• Worked with branch partners to maximize sales efforts to business customers and cross-sell other products and services.
• Collaborated with internal teams to deliver comprehensive wealth management services, maximizing client satisfaction and loyalty.

~Achievement~

• Total Accumulated Loan Submission : RM70.49mil
• Total Approved Loan : RM39.5mil
• Total Accumulated Banca Submission (CLTA & ROP) : RM4mil / Achievemenet / Materialize : RM2mil

• Taking care of 80 - 90 portfolios (Borrowing & Non-Borrowing), covering industries such as EPCC Solar system contractor, F&B, Engineering related (Cable harness, Module assembly and System integration), Manufacturer of turbo engine turbine parts, woven fabric manufacturer, manufacturing and distribution of gadgets / E&E products, Wholesale of imported vegetables and fruits, manufacturing of chemical products / water proofing chemicals / coatings.
• New Credit proposition, conduct of annual credit review, identify of Financial Crime Risk (FCR), conduct of CDD reviews, Corporate Account opening, monitoring of internal terms and conditions / covenants in ensuring for compliance, enhanced Anti Money Laundering (AML) evaluation, cross selling, Payroll system etc.
• Strengthened teamwork among colleagues by collaborating on projects, sharing knowledge, and supporting fellow associates in their tasks.

~Achievement~

• Pioneer on Renewable Energy Financing Scheme / Campaign (Year 2018 / 2019)
• Pioneer in granting loan under SJPP scheme - RM6.6mil (Year 2018 / 2019)
• Referral of Perks@Works accounts of 120 personal accounts (Success case)
• Referral of Premier Customer leads to RBWM Malaysia & Singapore with investment value of not less than RM2.33mil (Success case)

• Taking care of 30 portfolios / accounts covering different industries such as Rubber gloves manufacturer, Freight Forwarder, F&B, Wholesale trade of food ingredients, wholesale of E&E products, Manufacturer of fertilizers (Oil Palm industry), Pharmacy retailer, Supermarket operators.
• Taking care of company with various oversea Sales office and capable in achieving Annual Sales of more than RM1 billion (Rubber Gloves Manufacturer)
• New Credit Propostions, Reviewing each portfolios semi-annually / annually to ensure that the Repayment Capability, Security Arrangement, Condition Precedent / Terms and Conditions are in complied, and to act accordingly in protecting Bank's interest should there is any breaches.

~Achievement~

• Ranked Nationwide no. 3 (Top 3) in terms of overall KPI achievement (Loan Approval, Loan Acceptance, Loan Drawdown, Cross Selling & Renevue Growth - Year 2017 / 2018
• Qualifier and Achiever for ABMB Bancassurance Incentive Trip Campaign [Madrid & Barcelona - Spain] for RM300,825.68 Total Premium)
• Top 10 FX Income achiever Campaign ( Commercial Banking) [Year 2017]
• Top 20 Trade Utilization Campaign Achiever (Commercial Banking) [Year 2017] for RM4.35mil trade utilization (within 1 month)
• Successful Referral of Share Margin Financing (Consumer) for RM6million [Year 2017]
• Successful Referral of Consumer Products ie. Cash2Home & Alliance@work / Payroll products covering total of 8 company accounts. [Year 2017]
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• Taking care of 20 plus portfolios covering Manufacturing of chemicals (Pesticides / Fertilizers / Paints & Coating), Wholesaler of industrial machineries parts / tools, Manufacturing of Rubber gloves / Nitrile, Contractors (Fire fighting system), Civil and Infrastructure contractor.
• New credit proposal write up, memo / ad hoc requests, Account Strategy Planning, Trade utilization, follow up on drawdown terms / covenants etc., cross selling of other bank products such as cash management, fund placement, FX line, personal investment (Singapore Premier Banking).
• Managed risk effectively by adhering to strict underwriting guidelines when evaluating potential borrowers'' creditworthiness.

~Achievement~

• Referral of Fund placement (Singapore Premier Banking) 4 cases with total fund injected of SGD1.2 million [Year 2015]
• Successful Referral and Proposition of FX Facility Limit (2 new FX facility line amounting RM4.5mil)

• It is a 1 year program, whereby the shortlisted Trainees are able to rotate and attach with 3 different Departments for period of 4 months each. (Attached to Loan Operation, Treasury Operation and Trade Finance Operation).
• After completion of 1 year tenure, permanently join Trade Finance Operation (TFO) and handling Letter of Credit Issuance and Advising.
• Possess brief understanding on overall Trade Financing Products such as Trust Receipt, Bankers Acceptance, Invoice Financing, Shipping Guarantee, Bank Guarantee, Local Bill Purchase, Export Bill Purchase etc.
• Possess brief understanding on UCP600 and INCOTERM (CIF, FOB, FCA, EXW etc)
• Engaged with ad-hoc Projects assigned by Top management, such as Employee Engagement Committee, Six Sigma (Process improvement) Event, Innovation event etc.