Howard Cheung

Howard Cheung is a credit risk professional with over 10 years of experience in corporate and commercial banking. Currently, they serve as Vice President of Credit Underwriting and Portfolio Management at Citi Australia, where they have been since relocating from Hong Kong in 2019. In this role, they focus on credit underwriting, portfolio risk management, and lending process design. Previously, Howard worked as a Senior Credit Portfolio Analyst at Citi Hong Kong, where they managed credit analysis and underwriting for large and medium corporates. They also held positions at The Bank of East Asia and Industrial and Commercial Bank of China, gaining extensive experience in relationship management and customer service.