Dowson Lam

1) Exercised personal approval delegation (1 notch below Branch’s CRO) and specialized in handling structured & LBO finance, as well as private equity real estate deals. 2) Prepared recommendation memos on proposals and presented credit stance at Credit Committee meetings for Headoffice’s approval. 3) Set up post-approval monitoring check points for early detection of warning signs. 4) Collaborated with frontline teams to conduct client/site visits for both new and existing clients, gained first-hand information on their latest risk profile and business environment. These facilitated a/c strategy formulation. Achievements: 1) Articulated and kept headoffice abreast of risk evolution of domestic Commercial Real Estate industry, raising vigilance for existing portfolio and admittance standards for new cases. 2) Led the write-up of a policy memo for underwriting and setting compliance framework for Private Equity Real Estate cases.

1) Under the Committee member’s role, reviewed and approved corporate credit applications, assuring decision made as aligning with the Bank’s risk appetite 2) Under the analyst’s role, prepared recommendation reports on frontline’s proposals for Credit Committee’s decision, and ensured materials provided complying with credit policies. Covered groups are domestic blue chips, international corporates and midcaps (last 4-year), as well as State-owned Enterprises and POE of the PRC (first 2-year). Products coverage included committed term loans (bilateral and syndicated), working capital finance, bonds, trade finance products, property project loans, acquisition loans, FX products, etc Achievements: 1) Swiftly promoted twice in three years with my detailed, holistic and value-adding analytical skills 2) Co-steered risk appetite of a corporate portfolio of billions USD, effectively communicated credit decision rationales to stakeholders. Rejected new cases that turned problematic, and avoided NPL. 3) Led a thematic review on COVID impact on Bank’s real estate portfolio in Hong Kong, strengthening frontline’s understanding on credit conceptual framework for assessing obligors’ resilience to headwinds.

1) Conducted thorough credit analysis and timely prepared credit applications. Handled products include trade finance products, term loans, syndicated loans, revolving loans and FX hedging products. 2) Closely coordinated with the frontline and involved in structuring / tailor-making clients’ facility packages, balancing return and credit risk, account strategy flexibility, and post-loan monitoring enforceability. 3) Prepared precise financial spreads and cashflow projection to assess repayment capabilities.

1) Reviewed and approved applications for SME borrowers (authority for LGD: USD1mio). Handled products included trade finance, FX hedging products, government-guaranteed loans and mortgage loans. 2) Assisted senior credit approver in reviewing and commenting on large-ticket credit applications. 3) Conducted credit calls for visiting customers' offices or factories.