Yi Hao Lim
Mechanical Engineering
School of Mechanical & Aerospace Engineering
Summary
Performance driven credit risk specialist with wide spectrum of credit experience in asset backed financing, structured project financing, trade finance and syndicated transactions deals. Core expertise in financial analysis and credit evaluation of business credit, augmented by skills in project and stakeholders management, with strong knowledge of banking regulation.
Featured Skills
Work Experience
Director Credit Risk Management -Aviation Finance Jan 2018 - Present
Norddeutsche Landesbank Girozentrale Singapore* Responsible for aviation finance credit transactions in Asia Pacific with application of appropriate industry knowledge and standards; voting and decision making under delegated authority of credit transactions incl. establishing conditions, covenants, constraints.
* Involved actively as a member of the deal team discussing appropriate structuring of aviation finance transactions by using the applicable deal management process. Participation in internal/external meetings with banks and/or clients, law firms etc.
* Conduct analysis of respective counterparties involved in transactions (such as leasing companies, airlines) industry trends and respective markets throughout the region in order to provide comprehensive assessment of credit applications, rating assessments / scores using the bank’s systems
* Assess underlying asset of respective transactions in cooperation with the Bank’s valuation department and expert opinion on the appropriateness of financing structures involved
* Monitor regional portfolio and strategic impulses as appropriate
First Vice President Credit Risk Analyst Mar 2015 - Dec 2017
Bank of China Singapore branch 1Analyst responsible for the Transportation (air transport, shipping) and Manufacturing industry portfolio with over US$1bn loan assets across Singapore, China and South-East Asia.
• Experience in airlines corporate requirement financing, aircraft operating lease, finance lease and portfolio financing, handling a portfolio of 9 commercial passenger aircrafts ranging from narrow bodies (A320 CRO/NEO, B737-800) to wide bodies (A380-800, A350, B777).
• Participate in business meetings, conduct in-depth due diligence and joint structure credit solutions with relationship manager.
• Performs independent evaluation detailing the financial position, cash flow, potential risks, collateral position, strength and weakness for both new and existing clients in accordance to Head Office and Branch requirements.
• Monitor potential and existing problem accounts, highlight exception/irregularities/breaches of loan terms and conditions
• Other credit work such as new product policy creation, updating credit policies, market and industry research, MAS enquiry handling (SME and Trade surveys and Credit Conditions Survey etc)
• Assist to mentor and train Junior Credit Risk Analysts
International Graduate Sep 2012 - Mar 2015
Standard Chartered Bank• Selected for the bank’s Consumer Banking International Graduate Programme.
• 4 rotations across Priority and International Banking Segment, Service Quality Reengineering, Group Portfolio Risk (Stress Testing and Risk Appetite), Medium Enterprise
Priority and International Banking Segment
• Pivotal role in planning, developing and launching inaugural Regional Apprentice Program for Priority and International Banking Segment Customers
• Responsible for the program strategy and sales and relationship management models for affluent and emerging affluent customer segments within Singapore.
Service Quality Reengineering
• Lead a team of 3 for Contact Centre (Kuala Lumpur) process revamp project
• Provide a comprehensive solutions framework to improve end to end processes for, Retail Banking Products (Credit Cards, Personal Loans), Wealth Management Products (Equities) and SME Products
Group Portfolio Risk (Stress Testing and Risk Appetite)
• Formulated and evaluated stress test scenarios for the Group Risk Management Committee
• Formulated Reverse Stress Testing Modelling for Group Risk Management Committee
Medium Enterprise
• Worked on annual reviews and credit packages as per bank’s policy, including but not limited to financial analysis and modelling, risk rating, pricing, credit structure recommendation
Process Engineer Aug 2009 - Aug 2012
GLOBALFOUNDRIES. Team lead for HDP(ILD), MCVD(tungsten) and WJ(ILD) technology process and equipment team
• Perform investigation and analysis on the root cause of low yield issues
• Initiated and implemented yield improvement and capacity improvement projects. Achieved an increase of 21% production capacity and 4% yield improvement
• Cost controller for TF-CVD module. Initiated a “5 why?” ordering system to effectively forecast and review equipment spares and others. Reduction of 11% in cost
Education
Msc Finance Apr 2011 - Jun 2012
Nanyang Technological University
• Relevant Courses: Equity Valuation, Financial Statement Analysis, Fund Management, Financial Modeling
B.Eng Mechanical Engineering Jun 2005 - Jun 2009
Nanyang Technological University
• Led project team to Merit award for Engineering and Innovation Competition in the Safety and Environment Category
• Final Year Project: Solar Air Conditioning
Other Skills
Q&A with Yi Hao Lim
