Summary
Overview
Work History
Education
Websites
Timeline
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Terence Tan-Tiongco

Bedford

Summary

Corporate finance professional with over 10 years experience in large corporate finance, middle market lending, and commercial banking. Excellent reputation for providing meticulous credit risk analysis and detailed financial analysis. Experienced in underwriting syndicated bank facilities, various types of bilateral loans, guarantees, and M&A transactions. Reputation for providing sound credit recommendations, presenting pragmatic solutions, and identifying lucrative banking opportunities that are accretive to client relationships.

Overview

14
14
years of professional experience

Work History

Associate, CIB Wholesale Credit Risk - FIG

J.P. Morgan Chase
09.2020 - Current
  • Provided credit risk coverage, managed lending activities, and other counterparty related credit exposures to a client base consisting of national, regional, multi-state banks, credit unions, and credit card processors.
  • Lead due diligence, structuring, approval, risk grading, and the on-going monitoring and management of a diverse portfolio of risk including derivatives and securities trading relationships, intraday liquidity facilities, and other credit exposures.
  • Carried out due diligence and credit analysis in order to articulate risk appetite and risk grading, while also anticipating and identifying new and emerging risks.
  • Provided support to client or prospect credit needs, while also providing sound judgement and effective monitoring through collaboration across all Risk and Business levels.
  • Managed the daily risk demands of a portfolio of clients, evaluating and executing on a variety of transactions for Financial Intuitions.
  • Worked directly on transactions including analysis of client and preparation of credit materials, discussions with bankers, negotiating of legal documentation, setup of credit facilities, coordinating with middle office teams and ongoing monitoring of clients post transaction approval.

Associate, Asst. Treasurer - Corporate Finance

Sumitomo Mitsui Banking Corp.
12.2014 - 09.2020
  • Managed a loan portfolportfolio consisting of large corporate public and private companies in the Consumer and Retail industry. Experience with both investment grade, and sub-investment grade primarily with large syndicated transactions as well as bilateral facilities
  • Underwrote M&A transactions, increases, refinance, and amendments that arose from the current portfolio
  • Prepared annual and interim reviews, as well as provided various reporting to senior management to support the overall monitoring of the portfolio
  • Prepared financial projection models including Base Case and Stress Case scenarios, as well as M&A pro-forma projections
  • Provided current and future RAROC profitability calculations for a specific facility and overall relationship
  • Assisted the relationship manager by coordinating with various bank product partners domestically and internationally to develop the overall account plan narrative
  • Assisted the relationship manager in the creation of pitch-books and product presentation to clients, as well as generating call reports /memos after client calls and meetings
  • Provided training and guidance to junior analysts

Credit Analyst II, Middle Market Lending

Santander Bank
10.2013 - 12.2014
  • Primarily dealt with companies that occupied the Middle Market space
  • Responsibilities include underwriting and preparation of loan applications, portfolio credit reviews, as well as conducting oral presentations to the Bank's credit committees for approvals
  • Performed financial analysis and industry research, and other due diligence in order to determine credit worthiness
  • Supported the relationship manager / marketing side by providing analytical support, and preparing insightful approval memorandums for presentation to credit authorities
  • Primarily dealt with bilateral facilities, however on occasion dealt with club deals and small syndications

Credit Analyst I, Commercial Banking

TD Bank
03.2011 - 10.2013
  • Prepared credit loan applications and write ups for new and existing customers, which include financial statement analysis, determination of credit risk rating, and evaluation of collateral
  • Performed regular loan portfolio maintenance, renewals, and annual reviews. Conducted various stress tests and ensured assets in the portfolio were in compliance with covenant requirements
  • Performed independent financial statement analysis and stress testing to ensure adequate collateral coverage including analysis of accounts receivable agings, rent roll and property valuation
  • Actively assisted relationship managers and conducted independent research and due diligence to identify new business opportunities with existing clients and research to identify new prospects

Education

Bachelor of Science, B.S. - Finance

Kean University

Certificate - Corporate Credit Risk Analysis

RMA, Risk Management Association

Websites

Timeline

Associate, CIB Wholesale Credit Risk - FIG

J.P. Morgan Chase
09.2020 - Current

Associate, Asst. Treasurer - Corporate Finance

Sumitomo Mitsui Banking Corp.
12.2014 - 09.2020

Credit Analyst II, Middle Market Lending

Santander Bank
10.2013 - 12.2014

Credit Analyst I, Commercial Banking

TD Bank
03.2011 - 10.2013

Bachelor of Science, B.S. - Finance

Kean University

Certificate - Corporate Credit Risk Analysis

RMA, Risk Management Association

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