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ResumeBasic InformationNameCurrent PositionCurrent SalaryConfidentialExpected SalaryNegotiableHighest EducationGuangxi UniversityMajorFinanceResidenceCensus RegisterBirth DateLength of Service10 yearsGenderMaleHeightMarital StatusMarriedPersonalityMobile Phone:Email:Self-evaluation1. I have accumulated a wealth of experience in the banking industry during the past ten years. I have stayed in China Minsheng Bank (CMSB) for six years, which has always been the most innovative bank among all the joint-equity banks. Its financial innovations have been leading the industry, especially for small and micro financial business innovations, which have shaped the core competitiveness for CMSB. Therefore, this experience gained me a lot of knowledge in financial products; 2. I engaged in supply chain finance business promotion and risk control during the six years in CMSB and have accumulated rich experience in these respects. In the meantime, I have a passion for work and have strong abilities of coordination and management. I can also quickly absorb new knowledge and accommodate myself to new environment. Work Experience 2013/01-nowLiuzhou Branch (Second-level Branch) of CMSBDepartmentSmall & Micro Finance DepartmentCurrent PositionDirector of Small & Micro Finance DepartmentReporting toVice PresidentWitnessTo be providedNumber of Subordinates6IndustryBankingResponsibilities:1. Engage in risk management, and took charge of small & micro credit business approval, risk control team construction and management and credit process optimization of Liuzhou Branch. 2. Decide whether to grant credit to customers with complicated operations and high risks in accordance with my experience and capability; Take charge of lending loans management, post-loan matters and bad loan recovery; formulate a recovery scheme for each problematic loan and supervise all staff within the department to complete the assigned tasks; 3. Engage in supply chain finance business planning and development. During the economic recession, CMSB small & micro business development mainly focuses on supply chain finance in which I take charge of making surveys among local core enterprises in Liuzhou and visit the upstream and downstream enterprises of the supply chains for these core enterprises to have an in-depth understanding of customer needs, existing and potential risks, average profit margin, capital utilization rate for each link of the supply chain and the industry development trends. Then, based on the survey results, I design Financial Product Solutions to meet the financial needs of the upstream and downstream enterprises and perfect the risk control measures at the same time; 4. Take charge of the small & micro credit policy management of Liuzhou Branch, and formulate Small & Micro Credit Policy Guidance for Liuzhou Branch based on the Small & Micro Credit Policy Guidance for Head Office in accordance with the local economic features in Liuzhou to guide the healthy development of small & micro business; 5. Take charge of the management of small & micro urban commercial cooperatives, which are the development channels for small & micro business of CMSB. Performance:1. During the past two years as the head of small & micro finance department of Liuzhou Branch, I have made remarkable achievements and granted 1.2 billion RMB of small & micro loan, ranking top among all second-level banks. In the meantime, I lead the risk control team to control the access to credit and manage the problematic loans and control the small & micro bad loans rate within a reasonable level. In 2014, 1.2 billion RMB of small & micro credit loans were granted by Liuzhou Branch among which the bad loans only reached 15 million RMB, accounting for about 1.5%. Reason for Resignation:The local economy in Liuzhou is underdeveloped and the economic growth is limited. Besides, Liuzhou Branch is a second-level branch with a limited development space, so I want to enter the head office or first-tier cities to learn more. 2009/07-2012/12Ningbo Branch of CMSBDepartmentBanking DepartmentPositionProduct Manager & Risk Control Manager for Supply Chain Finance CenterReporting toCenter ManagerWitnessTo be providedNumber of Subordinates0IndustryBankingResponsibilities:1. Provided trainings on supply chain finance products for the customer manager of the Branch, promoted all supply chain finance products within the Branch, offered technical support and assisted the customer manager in granting credit loans to customers; 2. Engaged in making a survey on supply chain finance development for Ningbo Branch and formulating development planning, marketing schemes and incentive policies; 3. Designed personalized Supply Chain Finance Product and Services Solutions in accordance the transaction and settlement modes between core enterprises and their upstream and downstream enterprises to meet the financing needs of the enterprises along the supply chain and achieve batch development of supply chain finance business; 4. Supervised the daily funds flow, material flow and information flow of the enterprises who have been granted the supply chain finance credits, including tracking the transportation and arrival of the goods with ownership, managing the receipt delivery, goods redeem and exchange, tracking the maturity and closure of loans and the recovery of accounts receivable, and conducted account checking with the core enterprises on a monthly basis; 5. Took charge of the post-loan management of the supply chain finance credit customers, including risk prevention and control, credit renewal survey for existing clients and post-loan on-site investigations. Performance:1. When working as the product manager (risk control manager) for Ningbo Branch of CMSB, the derivative deposits for supply chain finance business reached 1 billion RMB each day, and I supervised 1.5 billion RMB of credit loans. No bad loans occurred during this process because of operation and morality risks. Reason for Resignation:Liuzhou Branch was just established. As it was located in the Central and Western regions and lacked talents, the position and salary offered there were higher than those in Ningbo Branch, so I left Ningbo Branch under the coordination of the Head Office. 2005/08-2009/06Ningbo Branch of Agricultural Bank of ChinaDepartmentBusiness Department of Xingning BranchPositionCustomer ManagerReporting toPresidentWitnessTo be providedNumber of Subordinates0IndustryBankingResponsibilities:1. Took charge
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