1. PERSONAL INFORMATION
Name: Ning Sai Gender: Female
Date of Birth: 1984.02.05 Academy Degree: Master of Science
Tel: 15853280155 Email: elethebeth@hotmail.com
Add: No.39 Fuzhou South Road, Qingdao, China
EDUCATION
2006-2008 Imperial College, London MSc Finance
Core subjects: Theory of Finance (I&II), Mathematical Finance, Corporate Finance, Risk
Management, Financial Statement Analysis, Advanced Option Theory, Credit
Risk
2003-2006 University of Manchester BSc Economics
Core subjects: Microeconomics (I, II&III), Macroeconomics (I, II&III), Basic Econometrics,
Financial Reporting, Financial Derivatives, Financial Engineering
Grade: First Class
WORKING EXPERENCE
May, 2010—Up to now Standard Chartered Bank (China) Co., Ltd, Qingdao branch, Associate, Credit
Analyst
 Department: Large Local Corporate, Corporate & Institutional Clients
 Responsibilities:
-Independently handle several existing large local corporate (LLC) accounts and assist in
exploration of new LLC names in Shandong area.
-Join clients’ calls and involve in each detail to ensure successful client on-boarding.
-Work with product partners on term sheet and negotiate with client to achieve cross-sell.
-Complete quality Business Credit Application/risk analysis/call report/factory visit report.
-Efficient communication with credit officer to ensure timely Credit approval.
-Post debt monitoring & periodic credit risk review work, early alert report, covenants & risk
triggers monitoring, for instance.
 Main Achievements:
-Successfully build business relationship & explore market opportunities with Shandong based
metal & mining SOE, large POE & ListCo in various industries.
-Quality credit report and all of risk-related analysis completed in a timely and efficient manner.
July, 2008—May, 2010 Bank of China Co., Ltd Shandong branch (BOC), Assistant relationship
Manager
 Department: Syndication Loans and Investment Banking Team, Corporate Banking Department
 Responsibilities:
-Develop corporate business with RM on Syndication Loans, Project Finance & Export Buyer
Credit Business in Shandong area.
-Highly involve in details of each project, including discussion with borrowers on financing
structure, loan agreement terms, project risk analysis & due diligence report etc.
-Independently lead communication among overseas borrower, domestic client, Sinosure, lawyer
and other financing parties on negotiation of facility terms and successfully push forward the
deal.

2. -Efficient feedback to Credit Manager for risk-control purpose.
 Main Achievements:
-USD750Mn Club Loan of Saudi Arabia Rabigh 1200 MW Heavy Fuel Fired-Oil, Independent
Power Project (IPP) closed in July, 2009.
-USD500Mn Project Finance of Oman Salalah 445MW gas-fired Power Station and 15 MiGD
sea-water Reverse Osmosis Desalination Plant, Independent Water and Power Project (IWPP)
closed in Nov, 2009.
Self Appraisal
 Teamwork spirit & good communication skill.
 Strong capability to explore market opportunities and work internally to deliver financial results.
 Professional Credit skills & deep knowledge on Credit approval procedure, Credit policies and
regulations.
 Know well in corporate banking products including syndication loan, trade & commodity related
products.
 Fluent English and native mandarin speaker.