Yang HU

• Business expertise in an internal digital platform supporting the corporate credit process throughout the credit lifecycle, from origination, risk assessment and approval to post-credit events, risk monitoring and regulatory reporting; contribution to its ongoing functional evolution and implementation of new modules. • Contribution to IT and business transformation projects, supporting process automation, tool enhancements and AI use case analysis, including prompt engineering and LLM model selection. • Business - IT coordination, with involvement in functional analysis, process design, UAT and solution validation. • Analysis of credit workflows, data and reporting needs to identify process improvements and system enhancements. • Corporate credit analysis and financial assessment of counterparties in the Utilities, Energy, and Mining sectors. • Credit profile evaluation, internal rating determination, and preparation of detailed Corporate Credit Analyses and executive Flash Notes. • Monitoring of credit limits and portfolio exposures; regulatory risk reporting (leverage lending, regulatory large exposures). • Participation in risk committees on sector concentration and risk appetite.

- Analysis of risk indicators (cost of risk, NPL ratio, coverage ratio…) and contribution to risk communication materials in the context of the Group's quarterly financial results publication - Production of the dashboard and reportings of risks for the Group's various governance bodies (General Management, the Board of Directors, the Risk Committee) - GRR analysis and follow-up - Analyzes of risks on sensitive portfolios and activities (Metal&Mining, Oil&Gas, Shipping, Mortgage) using a transversal approach - Competitive intelligence through peer communication, regulatory reports and studies of sell-side financial analysts, development of benchmarks of risk indicators for the Group’s Risk Division - Regular communication of risk information to rating agencies and regulators - Participation in production and coordination of Group’s annual publications (Registration Document, Pillar III, Report on internal control)

---Reviewing deals on an annual basis for 3 business lines ( Shipping, Aircraft and Asset Based Finance) : transaction and financial structure descriptions, financial analysis of counterparties, industry and market review, asset risk analysis, monitoring covenants and insurances... ---Analyzing and monitoring credit risk and liquidity risk on a portfolio of transactions --- Producing different reports: Dashboard, Obligor Rating, Collateral Review, SMC report... ---Creating a database containing all the fiscal and financial data of the Aircraft portfolio ---Writing an expert paper on aviation mortgages (The Cape Town International Registry)

--- Defined and reported the Key Risk Indicators (KRIs) --- Investigated the cause of any possible deficiencies ---Participated in the calculation of potential risk losses ---Reviewed and updated internal risk procedures ---Participated in the definition of risk control and risk mapping