Hsing Hui, Megan Tien
SPG 126, Kg Mata-mata, BSB,BM
Summary
Accomplished banking professional with over 15 years of extensive experience in the financial sector, distinguished by exceptional organizational skills and a proven track record of meeting rigorous deadlines. Committed to continuous learning and possessing a collaborative spirit, effectively contribute to team success and drive both independent and group initiatives. Self-motivation and adept multitasking abilities enable me to maintain composure in high-pressure environments, ensuring the achievement of results that enhance operational efficiency and elevate client satisfaction. Throughout my tenure with the bank, I have received numerous recommendations from clients and the institution itself, including commendation letters for outstanding service. In the past two years, I have been recognized as the first in the bank to secure groundbreaking deals, surpassing individual performance awards and setting new standards for success.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Senior Relationship Manager
Bank of China
08.2021 - Current
- Strategically devised and executed plans to sustain and expand account portfolios for both local and syndicated clients, enhancing customer retention and satisfaction.
- Successfully managed a diverse client base, including local, government-linked, and international clients, ensuring tailored solutions and relationship management.
- Collaborated proactively with Hong Kong colleagues to effectively manage and optimize client accounts, promoting seamless service delivery.
- Cultivated and strengthened existing client relationships while strategically identifying and pursuing new business opportunities to drive revenue growth.
- Diligently prepared and processed credit files, adhering to the bank’s established procedures to ensure compliance and operational efficiency.
- Coordinated and led site visits with clients to conduct in-depth analyses for accurate credit processing and decision-making.
- Conducted thorough financial analysis, including the preparation of credit applications and meticulous documentation, followed by vigilant post-sanction monitoring.
- Developed and maintained robust working relationships with clients at strategic levels to maximize facility utilization and advise on credit limits based on detailed liquidity assessments.
- Exercised comprehensive control over all aspects of financial analysis, documentation, and client interaction, ensuring precision and adherence to standards.
- Facilitated the seamless opening of corporate client accounts, ensuring compliance with bank policies and regulatory requirements.
- Conducted reviews of current accounts in response to trigger events, ensuring timely updates and coordination with beneficiary correspondent banks.
- Effectively cross-sold fixed deposit products, contributing to the bank's financial growth and client portfolio diversification.
Relationship Manager
United Overseas Bank Ltd
08.2019 - 07.2021
- Strategically developed and implemented plans to maintain and expand existing account relationships, enhancing client satisfaction and loyalty.
- Effectively nurtured client relationships while proactively identifying and capitalizing on new business opportunities to drive growth.
- Expertly prepared and processed credit proposal, adhering to the bank’s procedures to ensure compliance and efficiency.
- Coordinated and conducted site visits with clients, delivering detailed analyses for informed credit processing and decision-making.
- Conducted comprehensive financial analysis, including spreading and evaluating financial statements, preparing credit applications, and ensuring meticulous documentation.
- Managed post-sanction monitoring through regular account reviews, maintaining strict oversight and control.
- Cultivated and sustained strong working relationships with clients at key levels, optimizing the use of approved facilities and recommending credit limits based on thorough liquidity analysis.
- Maintained rigorous control over financial assessments, documentation, and client interactions, ensuring accuracy and compliance.
- Assisted in the seamless opening of corporate client accounts, ensuring alignment with bank policies and adherence to BDCB regulations.
- Conducted thorough due diligence on corporate clients to ensure operating accounts fully complied with bank policies and regulatory standards.
Account Relationship Manager
Baiduri Bank Berhad
05.2015 - 08.2019
- Successfully managed a portfolio of approximately 150 borrowing clients, enhancing client satisfaction and retention through strategic account management.
- Developed and executed strategies to maintain and expand existing accounts, contributing to significant business growth.
- Nurtured strong client relationships while actively identifying new business opportunities to broaden the client base.
- Prepared and processed credit files in compliance with the bank’s procedures, ensuring efficiency and adherence to regulatory standards.
- Conducted detailed site visits and analyses to support comprehensive credit processing and informed decision-making.
- Leveraged expertise in financial analysis to prepare credit applications, ensure accurate documentation, and conduct thorough post-sanction monitoring.
- Fostered robust working relationships at various client levels to optimize the utilization of approved financial facilities.
- Recommended credit limits through meticulous liquidity analysis, balancing client needs with effective risk management.
- Maintained stringent control over financial assessments, documentation, and client interactions, producing detailed reports following client visits to ensure operational excellence.
Credit Officer
Malayan Banking Berhad
09.2012 - 04.2015
- Strategically developed and executed plans to maintain and expand penetration in existing accounts, driving sustained growth and customer loyalty.
- Cultivated and strengthened existing client relationships while proactively identifying and pursuing new business opportunities to expand the bank's portfolio.
- Prepared comprehensive credit proposal and ensured processing aligned with the Bank's established procedures, facilitating smooth and efficient operations.
- Coordinated and led site visits with clients to conduct detailed analyses and support informed credit processing decisions.
- Conducted thorough financial statement analyses, prepared detailed credit applications, managed credit documentation, and performed post-sanction monitoring through periodic account reviews to ensure financial health and compliance.
- Built and maintained robust working relationships with key clients, optimizing the utilization of approved facilities and enhancing client satisfaction.
- Conducted liquidity analyses to recommend appropriate credit limits to clients, balancing risk management with customer needs.
- Ensured full control of financial analysis, documentation, and client interactions, including regular site visits and detailed call reports, to maintain transparency and accountability.
- Compiled and analyzed portfolio income statistics to provide actionable insights into performance and support strategic decision-making.
- Acted as a banking officer in colleagues' absence, ensuring seamless operation continuity and maintaining service excellence.
Assistant Manager Trade and Receivable Finance
HSBC
03.2005 - 09.2012
- Efficiently addressed and resolved queries from corporate customers regarding their trade facility availability and outstanding balances, ensuring high levels of satisfaction and retention.
- Fostered a collaborative team environment by enhancing team spirit and streamlining workflows, leading to improved operational efficiency.
- Served as a pivotal relief officer, contributing to the enhancement of the Trade and Supply Chain system to support seamless operations.
- Collaborated with Corporate Relationship Managers in regular joint visits, successfully strengthening customer relationships and increasing our market share of import trade business through active participation in social activities.
- Proactively monitored low trade utilization customers, arranging strategic visits and providing guidance on maximizing their trade line usage to boost engagement and business volume.
- Strategically developed and executed bi-annual trade campaigns, significantly increasing import trade customer utilization and driving business growth.
- Identified and targeted potential new customers, effectively assessing their needs and advising on tailored HSBC banking solutions to meet their requirements.
- Successfully cross-sold banking products across departments, enhancing product penetration and revenue streams.
- Compiled and presented comprehensive departmental statistics for management review, enabling informed decision-making and strategic planning.
- Managed and updated the pipeline of new target customers for presentation in departmental meetings, ensuring alignment with team objectives and growth targets.
- Delivered high-level monthly statistical reports, providing insights for management and contributing to the strategic direction of the department.
Human Resources Support
HSBC
03.2004 - 06.2004
- Efficiently addressed and resolved internal customer inquiries regarding HR policies, contributing to a better understanding and adherence to company guidelines.
- Conducted thorough reviews of submitted CVs, expertly shortlisting candidates and preparing detailed interview sheets and assessments, which supported effective and informed hiring decisions.
- Managed and streamlined processes for annual leave, claims, and staff movement, ensuring seamless operations and enhanced employee satisfaction through effective resource management.
Education
Bachelor of Arts - Business Management
University of Essex, UK
Brunei Darussalam01.2024
High School Diploma -
University of Chester, UK
Brunei Darussalam01.2023
High School Diploma -
Kensington College of Business
Brunei Darussalam01.2022
No Degree - Basic Accounting
Bicpa Accountancy
Brunei Darussalam01.2009
O’Level -
Sekolah Menengah Limbang
Malaysia01.2001
Skills
- Customer Engagement
- Market Research
- Strategic Planning
- Sales management
- Business Development
- Teamwork and Collaboration
- Multitasking Abilities
Accomplishments
- Received an excellent customer service recognition letter from customer.
- Upskill 600 – ICC online training programmed in UCP600 and Documentary Credit
- HSBCnet new system enhancement, completed test cases without supervision from direct managers.
- Successfully implemented instant advice which is e-advice for HSBC and able to cross sell more than 150 customers signed up.
- Completed Credit Skills Assessment programmed under Omega Performance’s
Race
Chinese
Icno
30-206588
Personal Information
- Date of Birth: 10/16/84
- Nationality: Brunei PR
Certification
- Upskill 600, UCP600, ICC Coastline Solutions
- Credit Skills Assessment Programme, Omega Performance Credit Assessment
Languages
Chinese (Mandarin)
Native language
English
Proficient
C2
Chinese (Mandarin)
Proficient
C2
Malay
Upper intermediate
B2
Timeline
Senior Relationship Manager
Bank of China
08.2021 - Current
Relationship Manager
United Overseas Bank Ltd
08.2019 - 07.2021
Account Relationship Manager
Baiduri Bank Berhad
05.2015 - 08.2019
Credit Officer
Malayan Banking Berhad
09.2012 - 04.2015
Assistant Manager Trade and Receivable Finance
HSBC
03.2005 - 09.2012
Human Resources Support
HSBC
03.2004 - 06.2004
Bachelor of Arts - Business Management
University of Essex, UK
High School Diploma -
University of Chester, UK
High School Diploma -
Kensington College of Business
No Degree - Basic Accounting
Bicpa Accountancy
O’Level -
Sekolah Menengah Limbang
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