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CV,Seeking work opportunities in Banking and Finance in selected areas

I am currently available for work
Serial No: 9410

List top 5 skills: enthusiastic, fast learner
Short Bio:

-Effective leadership and strong managing capability towards the assigned credit portfolio has led to 50% growth in loans and advances in Year 2014 for United Overseas Business Banking Department, Miri Branch

-Ranked top 4 marketing manager nationwide consecutively for 6 months

-Sales achievement of more than 120% against target assigned for various bank's product including loans, deposits and bancassurance.

-0% error rate for case input in online loan processing system throughout the year with no audit findings since joining the organization.

Current location: 

Pahang, Malaysia - View on map

Spoken languages: 

english, Malay (Fluent), Mandarin (Fluent)

Locations I am interested in working:

Australia, canada, new zealand, Singapore, United Kingdom, United States


January 2009-December 2012 Open University Malaysia

Bachelor of Business Administration with Honour

(Major in Finance)

Pass with Distinction-CGPA (3.72/4.0)

April 2005 – November 2007 IBS College, Miri

Diploma in Business Administration

Major in Financial & Accounting Management

Pass with Distinction-(CGPA 4.0/4.0)

Related course taken: Financial Accounting 1 & 2, Advance Accounting, Auditing, Taxation & Financial Management

2000 – 2004 SMK Chung Hua Miri

SPM Examination

(10A’s, 1B)

PMR Examination



 Performance driven and result-oriented

 Able to work in fast-paced atmosphere

 Able to work under pressure and work well as team player

 High integrity, reliable and dependable in meeting objectives

 Fully responsible and highly committed person

 Strong negotiation and communication skills

 Adaptable, flexible and multi-tasking

 Good analytical skills and problem solving skills

 Good interpersonal skill


1) Account Relationship Manager, United Overseas Bank, Miri Branch February 2012-Present

• Business Development as in acquiring new customers (loan and deposit) and growing the existing portfolio by offering product solutions to assist the customers’ business models and ultimately contributes to the divisional profitability and growth.

• Portfolio Management: Responsible in optimum utilization of banking facilities and growth of portfolio. Also responsible for the credit evaluation and maintaining account relationships with both existing customers and prospects.

• Analyze client’s business operation, sustainability based on financial information obtained. Identify applicant’s working capital requirements and to structure relevant credit facilities such as overdraft, term loan and trade finance facility (including LC, TR, BA, BG).

2) Personal Banking Officer, Eon Bank Berhad, Krokop Branch January 2011-February 2012

Branch’s Operation

• Perform branch service function by attending to all customer inquiries on banking products, banking transaction and ensure customers’ need fulfilled.

• Handling customer complaints effectively by proactively provide or suggest effective banking solution to customer.

Sales Duties

• Focuses primarily on sales of mortgages and deposits in and outside the Branch.

• Proactively sell Phone Banking & Internet Banking applications.

• Handle all sales- related customer inquiries, particularly on loan products.

• Involved in planning for quarterly sales events as part of sales team member and suggesting new sales strategies from time to time to boost branch sales performance.

• Perform credit evaluation and analysis on mortgage loan cases to ensure loan granted to borrowers are in compliance with bank’s credit policy.

3) Customer Service Assistant, Eon Bank Berhad, Miri Branch. October 2007-December 2010

Branch’s Operation

• Perform branch daily operational duties which include handling over-the-counter transaction, administrative and accounting task.

• Perform branch navigation function on rotational basis.

• Attending to all back room activities assigned, particularly trade finance related transaction such as issuance of Letter of Credit and Banker’s Acceptance.

• Build customers’ interest in bank’s products and provide referrals to Personal Banking Officers.

Mortgage Loan Department

• Provide full support to sales staff by assisting them in loan application and processing. Also attending to all administrative works, include write up to Head Office for all kind of variation requests.

• Provide support to sales staff by assisting them in loan application, such include perform credit analysis and providing recommendations.

• Attending to all variation requests to facilitate the disbursement process.

• Ensure compliance with bank credit policy and tracking on loan documentation to ensure timely disbursement.

• Preparing several Branch reports on daily and weekly basis and recording Branch’s monthly meeting minutes.

• Build customers’ interest in bank’s products and provide referrals to Personal Banking Officers.

• Handling various type of customer enquiries especially on loan related matters

4) Audit Junior, T.H.TING & CO, Miri. January-September 2007

• Preparing annual tax return for clients and levels of income, which include partnership, sole proprietor and normal employees.

• Prepare sole proprietor account for the purpose of filing annual tax return in compliance with MASB & IRB.

• Ensured compliance with tax submission deadlines.

• Analyze tax deduction and available relief for each different client; perform tax-saving strategies, such as joint assessment and separate assessment.

• Preparing Tax refund and Tax Amendment services for individual clients.

• Perform accounting duties by using UBS Accounting Software.

• Compute schedule as part of auditing processes.

5) Tutor, RIAM Tuition Centre, Miri. April-July 2006

(Part-time during academic year)

• Guiding and teaching secondary students in Science & Mathematic subjects.

• Recommending appropriate study materials which help students to score well in exam.


1) BBD Fast Track Training, 15 – 20 March 2012

-Intensive training and guidance on all Business Banking Products, workflow, knowledge on credit processing.

-Understanding departmental strategies, overall business developments plan for the year.

2) Fraud Awareness Programme, 6-8 January 2011

-Learning ways to prevent and deal with instances of mortgage fraud cases.

-Ability to detect and determine high risk loan applications, which allow protecting of the bank’s interest.

3) Clerical Development Program, 10-12 March 2009

-Self-motivation to boost own confidence while building up own career.

-Improve work efficiency, being able to perform higher level work through implementation of several work techniques, such as time management, prioritization skills, and to further develop leadership skill and communication skill in workplace.

4) Retail Credit Product Training, 12-13 January 2009

-Acquire credit product knowledge, including analyze customer credibility, based on 5C’s framework.

-Understand overall mortgage products workflow, such as loan application, processing to disbursement.

-Performing calculation of Debt-Service Ratio, margin of financing and reviewing of customer credit background to arrive at sound credit decision.

-Differentiating concept of secured lending and unsecured lending and determines types of property available to be pledged in granting customer a mortgage loan.

5) Branch Improvement Program, 18-19 October 2008

-Enhance customer service and improve branch reputation as a whole.

-Acquire skills in handling customer complaints to increase customer satisfaction.

-Adopt the right customer service attitude – service makes impression last ever.

-Apply telephone standard in answering incoming call and professional look through appropriate dress code.

-Learn to make use of opportunities to cross-sell bank products to customers.

6) Basic Trade Finance, 24-25 January 2008

-Exposure to basic knowledge of trade finance products, such as Letter of Credit, Banker Acceptances, Trust Receipt and Shipping Guarantee.

-Enhance personal understanding as well as skills in the application procedures, measurement of risks involved and prevention of fraud cases.

7) Cash Handling & Fundamental of Cheque, 16-18 January 2008

-Develop skills in managing large amounts of cash through appropriate manner, learning to detect forge notes.

-Practice proper ways of sorting cash that helps to minimize risk of cash shortage or excess.

-Understand the flows of cheque clearing system.


Microsoft Word, Microsoft Excel, Microsoft PowerPoint, CorelDraw, Adobe Photoshop.


Financial and Credit Analysis, knowledge of Trade Finance