Amelia Hong is seeking a Credit Underwriter position with over 20 years of experience in credit analysis and underwriting. She has worked at Union Bank for over 15 years managing a portfolio of 20 municipal entities and providing timely risk assessments. Prior to that, she worked at Citibank International Private Bank performing credit reviews and assessments of corporate accounts. She has a Bachelor's degree in Science and is fluent in Chinese and English.

1. Amelia Hong
Walnut Creek, CA
Objective : To obtain a Credit Underwriter position.
Work Experience
Credit Executive - Vice President
UNION BANK., N.A
Walnut Creek, CA
September 2005 to November 2013
Responsibilities
Public Finance Department
• Managed a portfolio of 20 municipal entities including originate credit facilities,
perform credit analysis adhering to the bank’s guidelines and policies, perform financial
spreading, review agency reports, and negotiate legal documents.
• Provided timely assessment via annual and quarterly credit reviews to ensure proper
risk grades.
• Identified problem credits and recommend exit or removal strategies. Prepare quarterly
status reports and attend problem loans meetings to discuss the findings.
• Participate in internal and external audit exams.
• Monitor collateral and covenant compliance according to the terms and conditions of
the credit.
• Provide work direction and coach lower-level underwriters on decision-making and
underwriting skills.
Accomplishments
• Represented the Group to participate in the data integrity project to ensure financial
statement data is accurately spread for the Department.
• Successfully underwent internal and external audit exams without downgrades of the
portfolio.
Skills Used
• Credit analysis
• Financial spreading
• Some management skills
Credit Executive - Vice President

2. UNION BANK., N.A
San Francisco, CA
June 1998 to August 2005
International Banking Group
Provided credit support to 10 middle market corporates including underwriting and loan
management.
• Performed credit risk analyses on 40 international financial institutions and their
respective countries.
• Solicited new business opportunities via marketing calls. Screened prospects and
proposed new credit structures adhering to the Bank's guidelines and policies.
• Maintained close contacts with clients and cross-sold other bank products.
• Conducted industry research.
Assistant Manager
CITIBANK INTERNATIONAL PRIVATE BANK
January 1995 to May 1998
Performed quarterly and annual credit reviews on existing loan portfolio including
financial analysis and market study.
• Performed credit assessments and prepared recommendations for prospective corporate
accounts through cashflow analysis of commercial properties.
• Conducted site inspections on commercial properties.
• Reviewed commercial property appraisals.
• Participated in marketing events for networking and promoting company image.
• Completed a 2-month temporary assignment in Citibank Private Bank, Hong Kong as
Western Hemisphere Representative.
Administration manager
FIT BEARINGS, INC
January 1991 to December 1994
• Analyzed and approved customers' credit limits upto $3 Million.
• Recruited and supervised five clerical staff.
Education
Bachelor of Science

3. California State University Hayward, CA
1992
Skills
Financial Spreading skills (Moody's Financial Analyst, Risk Analyst, CreditScope),
Word, Excel, Powerpoint, AFS.
Additional Information
Language: Spoken and Written in Chinese (Mandarin and Cantonese).