Travis Kwok
Toronto,ON
Summary
Accomplished Business Manager with a proven track record at the Industrial and Commercial Bank of China (Canada), specializing in mortgage lending regulations and risk assessment. Demonstrated expertise in creditworthiness determination and regulatory compliance, ensuring seamless credit review processes. Skilled in fostering relationships with stakeholders, showcasing exceptional communication and analytical abilities.
Overview
7
7
years of professional experience
Work History
Business Manager - Mortgage
Industrial and Commercial Bank of China (Canada)
08.2024 - 02.2025
- Conduct comprehensive mortgage applications & credit reviews, including financial analysis, KYC & AML, risk assessments and stress tests to evaluate creditworthiness and compliance with the bank’s guidelines and policies promptly
- Managed existing Residential & Commercial Mortgage term renewal (approximately 10 per month), risk assessment and drawdown services
- Communicate with internal partners and external business partners such as brokers, insurers, appraisers and solicitors, on document verification, loan execution, and property appraisal matters
- Manage a portfolio of real estate clients, ensuring compliance with regulatory requirements and internal policies
Credit Risk Analyst
United Overseas Bank
08.2022 - 07.2023
- Conduct detailed credit applications & reviews for real-estate secured lending portfolios, including financial analysis, risk assessments, credit appraisals & recommendations to credit approvers
- Coordinate credit approval process of mortgages and real estate-backed loans, liaised between business units, approvers and credit committee in headquarters
- Communicated with internal & external parties, including clients, appraisers, agent banks etc.
- Collaborated with global teams in North America, Europe, and APAC to ensure consistent credit standards and risk management practices.
Credit Risk Manager
China Construction Bank (Asia)
08.2018 - 07.2022
- Approved secured financing lines for residential mortgages and commercial mortgages, with authority up to $2M with high volume
- Analyzed credit proposals and prepared credit appraisal reports for mortgage clients, focusing on risk assessment, stress testing, financial analysis & forecast, compliance with regulatory requirements
- Monitored covenant compliance and prepared regular risk assessment reports
- Ensured compliance with regulatory requirements by staying up-to-date on industry changes and adjusting practices accordingly.
Education
Postgraduate Certificate - Business
George Brown College
Canada08-2024
BBA - Accountancy
The Chinese University of Hong Kong
Hong Kong05-2018
Skills
- Risk assessment
- Mortgage lending regulations
- Documentation review
- Underwriting guidelines
- Application analysis
- Creditworthiness determination
Languages
English
Chinese (Cantonese)
Chinese (Mandarin)
Timeline
Business Manager - Mortgage
Industrial and Commercial Bank of China (Canada)
08.2024 - 02.2025
Credit Risk Analyst
United Overseas Bank
08.2022 - 07.2023
Credit Risk Manager
China Construction Bank (Asia)
08.2018 - 07.2022
Postgraduate Certificate - Business
George Brown College
BBA - Accountancy
The Chinese University of Hong Kong
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