ANGIE YAO
Eastwood
Summary
Results-driven and energetic credit manager with over 6 years of experience in the banking industry. Offering expertise in risk assessments and adept at managing all aspects of the settlement process. Dedicated support worker with exceptional people skills, attention to detail, and an organized approach to managing high workloads. I have both front and middle line working experience including customer service and loan management across different areas. I seek to utilise my past experience and skills in delivery of efficient risk management and credit control processes in line with the needs and requirements of the organisation.
Overview
7
7
years of professional experience
Work History
Credit Administration Manager
Bank of China
10.2021 - Current
- Instructing solicitors to prepare loan documentation for new applications and discharges
- Organising settlements with internal business partners and outsourcing solicitor
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Reduced errors in settlement documents by implementing a thorough review process before final submission.
- Managed high-volume caseloa up to 50 settlements per day, prioritizing tasks to meet tight deadlines and maintaining attention to detail.
- Coordinated communication between relationship manager, solicitors,and other departments involved in the transaction process, promoting a seamless workflow throughout case progression.
Assistant Credit Manager
Bank of China
01.2020 - 10.2021
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Liaised with risk management, internal audit to direct compliance issues to appropriate channels for investigation and resolution.
- Participated in networking events to promote the company''s loan products and services, establishing valuable connections within the industry.
- Prepare financial reports related to billing and accounts receivable, ensure timely collection of payments and follow up on overdue accounts for Corelogic, solicitor
- Calculating loan interest rates and publish to aggregator and official website
- Managing, coaching and mentoring and delivering ongoing training that supports the team member development.§ Managing, coaching and mentoring and delivering ongoing training that supports the team member development.
Assistant Relationship Manager
Bank Of China
01.2019 - 01.2020
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Assisted customers with needs such as opening accounts, depositing or transferring funds, updating account details and signing up for new services.
- Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction.
- Identified target audience and developed optimized communication plans to engage and interest individuals.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications and financial history paperwork.
Bank Teller and AML Officer
Bank Of China
01.2018 - 01.2019
- Performed customer due diligence, verified customer identities, and adhered to AML and KYC regulations.
- Identified and reported suspicious transactions, maintaining compliance with regulatory requirements.
- Conducted cash transactions, processed deposits and withdrawals, and ensured accuracy in balancing cash drawers.
- Provided exceptional customer service, resolving inquiries, and addressing customer concerns.
- Processed documentation for employee actions such as new hires, grievance resolutions and terminations.
- Assigned work activities for staff related to employment, compensation, labor relations and employee relations.
Accountant Assistant
Stewards Foundation Of Christian Brethren
09.2017 - 01.2018
- Reconciled discrepancies between accounts receivable and general ledger account.
- Balanced monthly general ledger accounts to accurately record cost and month end accruals.
- Prepared journals for general ledger entries
- Consolidated accounts payables and accounts receivables.
- Compiled general ledger entries on short schedule with 100% accuracy.
Education
Bachelor of Commerce - Major in Accounting
Macquarie University
North Ryde2016
Skills
- Risk Analysis
- Superior attention to detail
- Effective negotiation capabilities
- Fluently capability in spoken and written English and Mandarin
- Effective Time Management
- Operational Efficiency
Timeline
Credit Administration Manager
Bank of China
10.2021 - Current
Assistant Credit Manager
Bank of China
01.2020 - 10.2021
Assistant Relationship Manager
Bank Of China
01.2019 - 01.2020
Bank Teller and AML Officer
Bank Of China
01.2018 - 01.2019
Accountant Assistant
Stewards Foundation Of Christian Brethren
09.2017 - 01.2018
Bachelor of Commerce - Major in Accounting
Macquarie University
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