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bang_ha

Ha Cong Bang

@bang_ha

Credit Analyst

Vietnam
Vietnamese
About me
I am a highly analytical and detail-oriented Banking Professional with over 7 years of experience in credit analysis and risk assessment at commercial banks. I am an expert in evaluating financial statements and creditworthiness, utilizing Advanced Excel to transform raw data into actionable insights while maintaining 100% accuracy.... Read more

Skills

b
bang_ha
Ha Cong Bang
Offline • 

See my services

Data Cleaning
I will clean, format and analyze financial or business data in excel
From$15 / projectMore details

Work experience

Banks

Full-time • 7 yrs 5 mos

Credit Analyst

Jul 2022 - Present • 4 yrs

* Conducted comprehensive credit evaluation, risk assessment, and financial analysis for corporate and retail clients. * Analyzed balance sheets, income statements, and cash flow projections to determine repayment capacity and debt-to-income (DTI) ratios. * Evaluated collateral asset quality, ownership documents, and market valuations to mitigate potential credit risks. * Prepared detailed credit underwriting reports and loan proposals with recommendations for senior management approval. * Monitored outstanding loan portfolios to identify early warning signs of credit deterioration.

Loan Officer

Jan 2019 - Jun 2022 • 3 yrs 5 mos

- Analysed customer financial statements, bank records, and income streams to evaluate repayment capacity. - Conducted comprehensive risk assessments on collateral assets to determine loan eligibility. - Structured and processed secure loan files into the banking system with zero margin for error. - Maintained strict confidentiality of sensitive customer financial data.