Dennis Bok

10+ years of Credit Management experiences across multiple industries covering Corporate Banking, Hire Purchase, Trade Credit Insurance to Consumer Financing, able to drive portfolio growth and quality by adopting prudent risk management strategies and focus on customer experience.

Credit Policy Manager @ Aeon Credit

1. Monitored portfolio performance through advanced analytics and data-driven insights and trends in non-starter (missing 1st payment), delinquency status, non-performing loan (NPL), write-off, profitability and proactively proposing policy adjustments to optimize risk-return trade-offs and mitigate potential further credit deterioration. 
2. Collaborated closely with product development teams to design and execute credit strategies that supported business growth. (Successful project: AEON Biker Gold and Infinite Visa Card) 
3. Actively involved and managed high-impact credit risk-related projects from inception (proposing credit criteria) to execution (business requirement documentation and UAT completion)
 

Credit Underwriter @ Allianz Trade

1. Proficient in assessing the creditworthiness of companies (from SME to listed entities) by analysing financial statements, balance sheets, income & cash flow statements to make informed underwriting decision within turnaround time target (3 working days)
2. Evaluating trade credit risk & determine appropriate coverage levels by having deep understanding on transaction nature – type of goods supplied, sectors, targeted country (for exports) & cash & payment cycles to determine if credit terms offered are relevant, delivery milestone & payment plan (for projects). 
3. Effective written and verbal communication with brokers, clients, and internal stakeholders by providing clear explanations of underwriting decisions & making necessary adjustments to meet clients/ brokers’ requirement to maintain positive relationship. 
4. Up-to-date knowledge of trade credit insurance regulations, ensuring all underwriting processes adhere to industry standards & current economic trend.
5. Familiar & using Tableau to present portfolio analysis to clients as well as presentation on latest economic trends (such as GDP, inflation, manufacturing index & consumer index), economic & political risk, latest outlook on 18 economic sectors & trend in insolvencies. 
6. Public speaker for one of the seminar event at Matrade introducing trade credit insurance

Senior Credit Analyst @ Coface

1. Proficient in assessing & scoring companies (buyers) based on multiple credit metrics (liquidity, cash flow, profitability, adjusted EBITDA & equity buffer) as well as internal adjustment adhere to company’s guidelines & turnaround time. 
2. Conducted interviews/ calls with buyers to obtain proprietary info as required by underwriters for better underwriting decisions. 
3. Proactive monitoring & review on portfolio of local buyers to ensure correct & up-to date scoring based on latest requirement. 
4. Spearheaded XML project on auto-scoring & underwriting decision. 
5. Provided yearly assessment training to group of junior analysts.

Bachelor's Degree of Finance @ UUM - CGPA 3.68 (1st class honor)