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Bin Zhao

Bin Zhao

Senior Credit Analyst at ExxonMobil

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ExxonMobil

Business Analyst

Provided earning forecast and analysis for Hong Kong/China Fuels Marketing business for monthly/quarterly/annually movement. Coordinated cross-function effort to steward earning performance, and provided improvement suggestions. Delivered input to corporate reporting in earning segments with data and insightful analysis

Career medium 03
Career
Career medium 03

ExxonMobil

Financial Analyst – Treasury Center

Managed Asia Pacific Cash Pooling for USD, SGD, AUD, and HKD with portfolio of ~US$500M, executed cash investment and FX trades. Managed Asia Pacific intercompany Loan/Deposit position as central internal bank in Asia. Steward banking performance and built projects to employ new banking solution, such as ERP interface and online payment interface

Career

ExxonMobil

Senior Credit Analyst

Assessed customers’ credit worthiness and approved Credit Limit for South China/Hong Kong/Taiwan/Singapore/India markets, responsible for 600+ customers, with total Credit Limit of ~US$300M. Obtained and verified securities, such as Bank Guarantee, Stand-By Letter of Credit, and Corporate Guarantee. Assist Credit Manager to improve Credit guidelines. Order Credit reports from Credit agencies like S&P, and D&B. Achieved zero bad debt under responsible portfolio, and retrieved previous ~US$130K bad debt

Career medium 06
Career
Career medium 03

W.R. Grace

Revenue Chain Analyst

Conducted Credit Limit assessment and approval for North China customers, achieved zero bad debt under responsible portfolio, and delivered steady improvement of DSO

Career

Accenture

Account Receivables Analyst

Kept sound relationship with HK customers and maintained timely settlement of the account receivables with overdue-30 days-index reduced from 2.4% to 1.5% while the target was 2.5%

Career medium 05
Career

Shanghai International Studies University

Bachelor's degree, Accounting