AIMAN FAKHRI ZAMIMI
CREDIT OFFICER
Sungai Besar,Selangor
Summary
Dynamic Credit Officer with a proven track record at Agrobank, excelling in financial statement analysis and risk assessment. Fostered strong client relationships while minimizing default risks through thorough credit evaluations. Adept at mentoring teams and enhancing operational efficiency, driving customer satisfaction through effective problem-solving and communication skills.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Credit Officer, SME Commercial Financing
Agrobank
Tanjung Karang, Selangor
07.2016 - Current
- Developed key relationships with clients, providing exceptional service and fostering long-term partnerships.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Organized and finalized loan applications for underwriter review.
- Checked appraisals, title information and insurance documents for each property.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Adhered to banking standards and government lending guidelines for loan services.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Attended ongoing professional training to facilitate accurate and productive credit management.
Supervisor
TNS Global
Kuala Lumpur, WPKL
09.2015 - 12.2015
- Oversaw daily operations of the department, ensuring smooth workflow and timely completion of tasks.
- Applied strong leadership talents and problem-solving skills to maintain team efficiency and organize workflows.
- Improved customer satisfaction with timely response to inquiries, addressing concerns, and finding effective solutions.
- Resolved conflicts among team members promptly, maintaining a harmonious working environment conducive to productivity.
- Mentored junior staff members in their career development, sharing knowledge from years of experience in the field.
- Maintained database systems to track and analyze operational data.
Intern
Yayasan Pahang
06.2014 - 08.2014
- Supported staff members in their daily tasks, reducing workload burden and allowing for increased focus on higher-priority assignments.
- Gained valuable experience working within a specific industry, applying learned concepts directly into relevant work situations.
- Analyzed problems and worked with teams to develop solutions.
- Contributed to a positive team environment by collaborating with fellow interns on group projects and presentations.
Education
Bachelor of Science - Islamic Finance
International Islamic Univeristy of Malaysia
Gombak, Selangor 04.2001 -
Skills
Financial Statement Analysis
Risk analysis
Sales support
Credit analysis
Certification
Omega Performance in Credit Skills Assessment, Moody's
Timeline
Omega Performance in Credit Skills Assessment, Moody's
12-2020
Credit Officer, SME Commercial Financing
Agrobank
07.2016 - Current
Supervisor
TNS Global
09.2015 - 12.2015
Intern
Yayasan Pahang
06.2014 - 08.2014
Bachelor of Science - Islamic Finance
International Islamic Univeristy of Malaysia
04.2001 -
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