Shamala

Experienced banking and financial services with over 12 years of expertise in credit assessment and loan processing. Proven track record working with leading institutions, including Affin Bank, AEON Credit Services, and EON Bank. Skilled in evaluating credit risk, managing operational compliance and team support.

Holds

Bachelor of Business Administration (Hons) from University Utara Malaysia and known for accuracy, reliability and leadership.

Credit Processing Executive - Affin Bank Berhad - Malaysia

(2017-08 - 2020-06)

• Perform credit evaluation of Housing Loan applications. Escalate credit concerns to management and propose risk mitigation to be taken.
• Identify and check customer's credit exposures and related accounts via core banking system to determine total credit exposure of the Bank.
• Identify suspicious transactions and detect any fraudulent elements.
• Process high exposure customer's credit applications and go prepare credit memo for Group Management Loan Committee approval.
• Ensure compliance during credit processing which adhere to the bank's standard credit policy, department's procedural manual and product guidelines.
• Train new processing officers.
• To provide advice related to credit issues to sales staffs.

Senior Credit Assessment Executive - AEON Credit Service Malaysia Sdn Bhd - Malaysia

(2011-11 - 2017-07)

• To process and evaluate Hire Purchase and motorbike financing applications.
• To loan approvals within delegated approving authority limit.
• To detect suspicious transactions and identify any fraudulent documents.
• Work closely the team members to complete tasks within stipulated time.
• Handle merchant and customer complain and feedback to management for operation improvement.
• To create and build good relationship between organizations and merchant.

Credit Analyst Executive - EON Bank - Malaysia

(2008-11 - 2011-07)

• Ensure all Credit Card applications recommended for approval, rejection, pending and cancellations according to the Bank Credit policies.
• Ensure completeness of financing documentation, accuracy of identity document and adequacy of income documents.
• Verify the authenticity of applicants' request and the awareness of related parties i.e. employers and emergency contact persons.
• Analyse the financial standing of applicants via public and private credit bureau records.

Bachelor of Business Administration (Hons) - University Utara Malaysia (2008)