Professional Expertise:
Credit Risk Management; Sustainable Finance and Investment; Debt Capital Market

Education:
Harvard Kennedy School; UC Berkeley;

Organisations:
AIA, Nomura, S&P, Ernst Young, Harvard

Biography:
Apple is a credit analyst with experience assigning ratings to U.S. tax-back and special revenue bonds, as well as corporate bonds in the U.S and Asia. She has formal training in sustainable finance and investment (ESG, impact investment, green evaluation) and has been incorporating these factors in her investment analysis.

As a veteran credit analyst at S&P, head of ratings advisory at a global investment bank, and head of credit risk at an insurance company, Apple is also a results-oriented leader with experience in managing diverse team members to accomplish business goals. She is a certified executive coach and six sigma green belt certified project manager in leading workshops, working across all organizational levels to achieve common goals, and bridging cross-cultural relationships.

Apple has a master's degree from Harvard University and is a native speaker in English, Mandarin Chinese, and Cantonese. She has worked and lived in both Asia and the U.S.