Fanny lok ping Cheung
Summary
Experienced business management and corporate banking professional with a proven track record in managing high-value portfolios, credit analysis, and financial assessment. Adept at developing client relationships, delivering tailored mortgage solutions, and driving customer acquisition through strategic partnerships with real estate agencies and referral networks. Skilled in regulatory compliance, KYC/AML procedures, and documentation management to ensure operational excellence. Proficient in English, Cantonese, Mandarin, and advanced Microsoft Office tools including Word, Excel, PowerPoint, and Outlook. Career focus includes leveraging expertise in client relationship management and portfolio growth to contribute to organisational success within the financial services sector.
Overview
20
20
years of professional experience
Work History
SENIOR OFFICER, BUSINESS MANAGEMENT
PAN ASIAN MORTGAGE COMPANY LIMITED
11.2025 - Current
- Managed Higher LTV residential mortgage and unsecured consumer lending applications throughout the full application cycle.
- Developed client relationships by delivering mortgage advice and recommending solutions aligned with partner bank requirements.
- Coordinated closely with sales teams to monitor approval progress, handle counter offers, and ensure timely drawdowns.
- Ensured all documentation and processes complied with company policies, partner bank standards, and regulatory requirements.
- Supported business development initiatives and collaborated with real estate agencies and referral networks to increase application volume and expand customer acquisition channels.
RELATIONSHIP MANAGER, HONG KONG CORPORATE DEPARTMENT III
CHONG HING BANK LIMITED
04.2024 - 10.2024
- Develop and manage medium corporate banking customers portfolio
- Solicit credit business following established policies and prepare credit proposal
- Evaluate the customer's information relating to Industry environment, revenue, financial condition, economic situation, legal situation, project revaluation, debt service capacity, etc
- Assess credit and financial strength of borrowers to determine creditworthiness and acceptable credit exposure levels for recommending credit approval and internal credit ratings
- Achieve fee income from various segments, i.e CASA, loan balance, insurance commission income, Treasury & FX income
- Acquiring new
Relationship Manager, CORPORATE BANKING SECTION
O-BANK CO., LTD. (HONG KONG BRANCH)
03.2023 - 04.2024
- Manage medium corporate & large corporate customers portfolio
- Evaluate the borrower's information relating to Industry environment, revenue, financial condition, economic situation, legal situation, project revaluation, debt service capacity, etc
- Solicit credit business following established policies and prepare credit proposal
- Assess credit and financial strength of borrowers to determine creditworthiness and acceptable credit exposure levels for recommending credit approval and internal credit ratings
- Achieve fee income from various segments, i.e CASA, loan balance, Treasury & FX income
- Handle corporate account opening, contact customers for CASA and KYC/AML related duties
ASSISTANT RELATIONSHIP SUPPORT MANAGER, ENTERPRISE BANKING DEPARTMENT, WHOLESALE BANKING DIVISION
THE BANK OF EAST ASIA LTD
02.2019 - 03.2023
- Work with Team Head and Relationship Manager in managing of corporate customer
- To interview prospective clients to collect information concerning the business needs, desires, abilities, and earnings
- Evaluate the financial conditions of clients and prepare credit proposals, new and regular credit review
- Handle corporate account opening, contact customers for CASA and KYC/AML related duties
- Perform operation support and documentation, handle Loan applications and process until loan drawdown
- Provide secretarial and administrative support to Department Head, compile department's financial reports, and co-ordinate and manage department head's calendar including schedule appointments, meetings and travel / itinerary arrangements etc
Credit and Control Officer, COMMERCIAL LENDING DEPARTMENT, CORPORATE BANKING DIVISION
THE BANK OF EAST ASIA LTD
10.2010 - 02.2019
- Perform review and follow-up on the financial and regulatory reports such as banking returns, and impairment assessment
- Develop procedures to assist the impairment-related process; participate in the credit risk management system and UAT to enhance the bank's relevant system
- Prepare departmental accounts and obtain reports, such as the CCRA/CRA report
TRADE FINANCE CLERK, TRADE FINANCE DEPARTMENT
INDUSTRIAL AND COMMERCIAL BANK OF CHINA (ASIA) LTD
11.2007 - 09.2010
- Processed bills transactions including import and export aspect in the Trade Finance Department
- Handle L/C negotiation/collection, shipping guarantee issuance and performed all data entries of import L/C issuance and related bill retirement duties
- Responsible for daily settlement of treasury transactions and inward and outward remittance transactions, prepared accounting vouches and transaction reports for the department
BILLS CLERK, HKH-HTV-DIV 7 SUPPLY CHAIN SOLS DEPARTMENT
THE HONGKONG AND SHANGHAI BANKING CORP LTD
03.2006 - 09.2007
- Handle all import transaction including shipping guarantees issuance, bills payments and processed funding entries to the customers
- Responsible for record and follow up review of the import/export and non-dc bills transaction
- Prepare outstanding report and other review reports to department head on a weekly basis
Education
Bachelor of Arts (Hons) - Business Management
University of Greenwich
01-2023
Professional Diploma - Business Administrative Management
The Hong Kong Management Association
01-2014
Full Certificate -
HKCEE
01-1999
Skills
- English
- Cantonese
- Mandarin
- Microsoft Word
- Excel
- PowerPoint
- Outlook
- Client relationship management
- Credit analysis
- Financial assessment
- Mortgage lending
- Portfolio management
- Customer Service
- Customer relationship management
PROFESSIONAL DESIGNATIONS
- Passed IIQE Paper 1,2,3, MPF, 2025
- Passed HKSI Paper 1, 7 & 8, 2026
- Associate Credit Risk Management Professional, HKIB, 2021
Availability
1 month notice
Timeline
SENIOR OFFICER, BUSINESS MANAGEMENT
PAN ASIAN MORTGAGE COMPANY LIMITED
11.2025 - Current
RELATIONSHIP MANAGER, HONG KONG CORPORATE DEPARTMENT III
CHONG HING BANK LIMITED
04.2024 - 10.2024
Relationship Manager, CORPORATE BANKING SECTION
O-BANK CO., LTD. (HONG KONG BRANCH)
03.2023 - 04.2024
ASSISTANT RELATIONSHIP SUPPORT MANAGER, ENTERPRISE BANKING DEPARTMENT, WHOLESALE BANKING DIVISION
THE BANK OF EAST ASIA LTD
02.2019 - 03.2023
Credit and Control Officer, COMMERCIAL LENDING DEPARTMENT, CORPORATE BANKING DIVISION
THE BANK OF EAST ASIA LTD
10.2010 - 02.2019
TRADE FINANCE CLERK, TRADE FINANCE DEPARTMENT
INDUSTRIAL AND COMMERCIAL BANK OF CHINA (ASIA) LTD
11.2007 - 09.2010
BILLS CLERK, HKH-HTV-DIV 7 SUPPLY CHAIN SOLS DEPARTMENT
THE HONGKONG AND SHANGHAI BANKING CORP LTD
03.2006 - 09.2007
Bachelor of Arts (Hons) - Business Management
University of Greenwich
Professional Diploma - Business Administrative Management
The Hong Kong Management Association
Full Certificate -
HKCEE