Junho Choi

Background

About Junho Choi

I am a MBA degree finance professional with focused interest in retail and commercial credit adjudication, credit risk management and compliance. Total 8+ years of experience in credit risk management / credit quality assurance / credit adjudication / credit policy. Result driven, in depth knowledge of fundamental principle in risk management, credit compliance and excellent interpersonal / communication skills, few of my highlighted capabilities include: • Review of credit adjudication and underwriting quality, and identifying potential areas of risk. • Thorough understanding of residential and commercial real estate financing policies and procedures including specialized lending products. • Evaluation and underwriting practice of residential and commercial credit applications. • Recommendation of changes to policy, standards, operational processes and procedures as needed within risk management and credit adjudication function. • Manage risk profile for business and provided feedback, direction and coaching opportunities to Junior and Senior Credit Analysts when necessary. • Protect the interests of the bank by ensuring that the units consistently abides by the audit and compliance operating policies and procedures. • Development and implementation of credit, risk, compliance policies and procedures through various meetings with 3rd party organizations such as KPMG and financial regulator, Office of the Superintendent of Financial Institutions (OSFI). Capitalizing retail and commercial credit adjudication, and risk management experience with superior attention to details, team player, and excellent work ethic, I am currently working as a Credit Manager in Retail Risk Management Credit Group at TD Bank Group.