Haocheng Bian

I am a financial analyst and the main jobs are performance reporting, budget management, etc. I am also responsible for analyzing the monthly performance of your business unit and forming a report, analyzing the variance from the target, analyzing the reasons for the variance, etc.

When I was in Bank of China, I focused on credit risk analysis. Bank of China has mostly commercial and consumer clients. What I did was to collect all the clients' background, including their income background, and also the loan amount, and based on the current market, I will assess whether they will default on their monthly payment and cause the bank of China a credit exposure .

My role was mainly assisting investment projects by analyzing risk framework and did the financial analysis to examine the companies whether match the loan qualification. I use a lot of excel and tableau in my day-to-day work. I use it to process dataset and also have to make sure all the relevant data are captured based on the attributes and also draw correlation between data variables.