Sally Yim Managing Director, Financial Institutions Moody's Ratings

Sally Yim is a Managing Director in the Financial Institutions Group. Based in Hong Kong SAR, China, Sally is the Head of APAC Financial Institutions, responsible for Moody’s analytical teams covering ratings and research on APAC banks, insurance companies, and non-bank financial institutions such as securities and leasing companies. She is also a co-head of Moody’s Global Banking and Global Insurance & Asset Management rating franchises. In addition, Sally leads the Global Financial Institutions Group’s Environment, Social & Governance (ESG) efforts.

Sally joined Moody’s in February 2005 as an Associate Analyst in New York, covering property & casualty insurers. She transferred to Hong Kong in 2006 and completed a short stint in the Corporate Finance Group, supporting analysts in the
oil & gas, petrochemical and steel sectors. Sally rejoined the Financial Institutions Group as an Analyst in January 2007. Since then, Sally has covered various Asian financial institutions, including insurance companies, banks and securities firms and subsequently, became a manager overseeing various teams covering the ratings and research of Greater China and Korean financial institutions.

Prior to joining Moody’s, Sally worked as a Senior Auditor at Ernst & Young LLP in New York, specializing in private and public insurers. She also worked at Ernst & Young’s National Professional Practice, where she focused on technical accounting research, while assisting in accounting consultations.

Sally holds a Bachelor of Business Administration and Master of Accounting from the University of Michigan. She is a CFA charterholder and also a Certified Public Accountant.

Tengfu Li Vice President – Senior Analyst, Financial Institutions Moody's Ratings

Tengfu Li is an Assistant Vice President – Analyst with Moody’s Financial Institutions Group.

Based in Singapore, he is responsible for the credit ratings of financial institutions in Indonesia and Malaysia. Prior to Moody’s, Tengfu worked at OCBC Bank, where he developed credit risk models.

Tengfu holds a MSc in Accountancy from Nanyang Technological University, and a BEng in Electrical Engineering from the National University of Singapore.

Sean Hung Vice President – Senior Credit Officer, Financial Institutions Moody's Ratings

Sean Hung is a Vice President – Senior Credit Officer with the Financial Institutions Group at Moody’s Investors Service Hong Kong Limited. Sean is covering a portfolio of banks and non-bank financial institutions in China.

Before joining Moody’s, Sean worked in Hong Kong as an equity research analyst for Barclays Capital Asia Limited, specializing in Chinese banks and payment companies. He had also worked in credit analysis and risk management in Visa Hong Kong, specializing in settlement risk of the financial institutions in North Asia.

Sean has a BA in Financial Services from Hong Kong Polytechnic University and an MSc in Financial Engineering from City University of Hong Kong. He is also a CFA and FRM.

Soichiro Makimoto Vice President - Senior Credit Officer, Financial Institutions Moody's Ratings

Soichiro Makimoto is a Vice President and Senior Credit Officer with Moody’s Japan K.K. He covers Japanese banks and insurance companies.

Soichiro has around 20 years of analytical experience and expertise in a variety of areas in the financial services industry.

Before joining Moody’s, he worked as a consultant on the banking and insurance industries for PwC and other firms, providing services related to M&A strategy, regulatory and rating agency advisory, risk/profit management, auditing and assurance and financial product development and sales strategy.

Soichiro holds a Master’s in physics from the University of Tokyo. He is a CFA charterholder and also a Fellow of the Institute of Actuaries of Japan.

Daniel Yu Vice President - Senior Credit Officer, Financial Institutions Moody's Ratings

Daniel Yu is a VP-Sr Credit Officer in Moody’s Financial Institution Group, based in Sydney. His primary responsibilities include banks in Australia and New Zealand.

Prior to joining Moody’s in October 2006, Daniel worked as an analyst for the Australian Prudential Regulation Authority, focusing on authorised deposit taking institutions and general insurance entities. 

He holds a Bachelor of Mathematics and Finance degree from the University of Technology, Sydney. He is also a CFA charterholder and a member of the CFA Society of Sydney.

Chong Jun Wong Assistant Vice President - Analyst, Financial Institutions Moody’s Ratings

CJ Wong is an Analyst with Moody’s Financial Institutions Group.

Based in Singapore, CJ covers a portfolio of banks and non-bank financial institutions in Bangladesh, Malaysia and Vietnam

Prior to joining Moody’s, CJ worked as a research analyst in the Dividend Forecasting team at IHS Markit, where he was responsible for providing estimates on financial institutions and corporates in Australia and Singapore.

CJ holds a Bachelor of Commerce (Hons) from the University of Sydney, majoring in Finance and Economics. He is a CFA Charterholder.

Juwon Lee Vice President – Senior Analyst, Financial Institutions Group Moody's Ratings

Juwon Lee is Vice President – Senior Analyst with Moody’s Ratings, Financial Institutions Group. Based in Hong Kong, she covers a portfolio of financial institutions in Korea and Mongolia. 

Juwon newly joins from Australia and New Zealand Banking Group where she covered Korea financial institutions and Japan banks for seven years. Prior to ANZ, she spent six years at Macquarie Securities as an equity analyst covering Korea shipbuilding, machinery, and logistic companies. Juwon also held positions at MUFG Bank and Hyundai Oilbank. 

Juwon holds a bachelor’s degree in Business Administration from Ewha Womans University.

Gil Jo AVP-Analyst, Financial Institutions Moody's Ratings

Gil Jo is an Assistant Vice President - Analyst with Moody’s Ratings' Financial Institutions Group. Based in Hong Kong, he is responsible for the ratings and research on insurance companies and non-bank financial institutions in Korea. Gil first joined Moody's in 2019 as an Associate Analyst, supporting the coverage of insurance companies and non-bank financial institutions in Korea. 

Prior to joining Moody’s, Gil spent two years at Goldman Sachs in Hong Kong, where he was an internal auditor assessing the firm’s securities division, and also at Ernst &Young for a year, where he was a junior consultant under the risk advisory team. Gil is a CFA charterholder and holds a B.A. in Economics from New York University.

Nicholas Zhu Vice President - Senior Credit Officer, Financial Institutions Moody's Ratings

Based in Beijing, Nicholas supports cross-border rating activities of Chinese banks. Previously, he was Moody’s key point of contact on the Chinese regional and local government sector.

Prior to joining Moody’s, Nicholas advised the Asian Development Bank on various China banking initiatives. He has extensive credit experience, having worked at HSBC, Standard Chartered and ANZ on a range of sectors and issues related to risk assessment for Basel II and other regulatory frameworks. Earlier in his career he was a senior economist with the World Bank.

Nicholas holds a Ph. D. in International Finance and M.A. in Economics from Georgetown University, and a B.S. in Mathematical Statistics from Sichuan University. He is also a CFA charter-holder.

Tomoya Suzuki Vice President – Senior Credit Officer, Financial Institutions Moody's Ratings

Tomoya Suzuki is a Vice President – Senior Credit Officer with Moody’s Financial Institutions Group in Tokyo.

He covers ratings across a portfolio of Japanese banks and property and casualty insurers.

Before joining Moody’s, Tomoya worked in credit risk management at Credit Suisse in Tokyo and previously in credit investment at a Japanese bank.

Tomoya holds a Bachelor of Arts degree in Finance and International Business from the University of South Carolina.