Summary
Overview
Work History
Skills
Education
Last Position
Department
Coursework
Contact
Personal Information
References
Timeline
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ASWATINA AHMAD

ASWATINA AHMAD

Senior Associate, SME BANK
C-6-7, JADITE SUITES, JADE HILLS, KAJANG

Summary

Highly experienced and dedicated banking professional with over 15 years of experience in Takaful operations, loan documentation, IT procurement, and administrative support. Proven ability to lead SOP development, manage cross-functional projects, and coordinate end-to-end processes within regulated environments. Demonstrates strong communication, negotiation, and multitasking skills with a passion for continuous improvement and service
excellence.

Overview

2
2
Languages

Work History

Senior Associate

SME Bank
  • Experience and practical knowledge in many classes in insurance or takaful such as fire, motor, marine as well as claim
  • Other duties and responsibilities as assigned from time to time
  • Execute plan to achieve annual target, maximize growth, profit of the Unit
  • To build, enhance and maintain good rapport with the client
  • To secure new business opportunities
  • Improve renewal ration to retain existing and new business
  • Manage and provide assistant to branches and clients to increase business
  • Manage claim enquiries / matters from internal and external clients and monitor efficiency in the processing claim until decision made
  • Involved in development of SOP & development of takaful system for company
  • Attending meeting with the client (if require).

Senior Associate

SME Bank
  • Producing Letter Of Offer & Letter of Changes Restructuring & Reschedulement, Annual Review and Letter of Consent
  • Other duties and responsibilities as assigned from time to time
  • To issue LO Letter of Offer (LO), Letter of Changes (LOC), Restructuring & Reschedulement (R & R), and Annual Review (AR) from approved facilities by Approving Authority
  • To ensure that the LO, LOC, R& R, and AR issued is precise and concise accordance to the approved terms and conditions
  • Represent head (in his absence) any task/activities required to ensure smooth running of given operation
  • To ensure customer satisfaction and loyalty through good efficient service
  • To support the Head to formulate and implement strategies and plans for the effective and efficient issuance LO, LOC, R& R and AR
  • To supervise and ensure that the issuance LO, LOC, R& R and AR are carried out in accordance to guidelines, policies and procedures, rules & regulation of Bank Negara Malaysia and relevant act
  • Ensuring the quality and accurateness of the Letter of Offer done is as per Bank’s procedures and policies within timeline
  • To perform any other duties and responsibilities as assigned from time to time
  • Assisting in the continuous improvement of the issuance of the LO and LOC process and procedures
  • To responsible on other task assigned from time to time
  • Involved in creating a system in issuance of Automated Letter of Offer
  • Meeting with business unit for their input which includes the format and content of the Letter of Offer
  • Liaise with the vendor appointed by the Bank by creating the term sheet and format of the Letter of Offer by providing them all the information regarding all the products of the Bank which to be in the system
  • Also liaise with Credit Unit and Risk Management of the Bank for their review and comments of the contents of the Letter of Offer
  • Conduct meetings with IT department and Finance Department on the finance system which shall be integrated with the system
  • From time to time will conduct a video conferencing with the whole branches to have their opinion and latest inputs which can lead us to have the most up to date Letter of Offer and be the friendliest system to end user
  • Conduct UAT for branch and business unit officer until the issuance of Letter of Offer is fully successful and can be printed
  • The automated Letter of Offer is officially launched and have been using since April 2017 until now.

Executive

Bank Pembangunan Malaysia Berhad
  • Procurement
  • Obtain quotations from panel of suppliers for procurement IT assets to secure best price
  • Ensure sourcing plan is developed according to schedule
  • Prepare procurement proposals for approval as the process complies with procurement’s procedure & ISO 9001: 2000 standards
  • Issue Purchase Order to supplier/contractor selected to effect procurement of goods & services
  • Follow up with suppliers to ensure delivery of IT assets are made on time to void delays in delivery/availability to users
  • Monitoring inventory and delivery
  • Establish & compile Supplier Database Management
  • Manage & screening process in selection of suppliers
  • Arrange for insurance cover for IT assets
  • Responsible for assets registration into system upon delivery and maintain asset register for accounting purposes
  • Responsible for payments arrangement of IT-related procurement & services
  • Manage to maintain record of payments due to IT-related services to ensure prompt payments are made
  • Budget
  • Responsible to monitor Group Information Technology yearly Budget by prepare monthly IT-related utilisation report for Bank’s management meeting
  • Document Management
  • Conduct review on IT documentations i.e Sales & Purchase Agreement, Maintenance Agreement, Contracts & Disclosure Agreement or etc as well as liaise with Legal Department to ensure that Bank’s interests is protected
  • Responsible to ensure that IT related documentations i.e manuals or procedures are kept up date for future reference
  • Staff Training
  • Responsible to manage Group Information Technology staff applications for external training
  • Liaise with training organisers for keep up-date current and future course that suits to job function for each staff
  • Liaise with all managers in Group Information Technology by forwarding courses details for their further actions
  • Monitoring training expenses for each staff to make sure expenses is within budget allocated
  • Responsible for payments arrangement to training organisers
  • Others
  • As internal auditor of ISO 9001: 2000 for subsidiary company, SME Bank
  • Responsible for review and update job-related procedures accordingly.

Secretary to Head Of Department

Bank Pembangunan & Infrastruktur Malaysia Berhad
  • Secretaries function
  • Responsible to manage all secretaries works relates to Head of Department’s job such as meeting’s arrangement, receive calls and appointment’s arrangement, booking for flight tickets, leaves, faxes and as generally as a Personal Assistant
  • Responsible to records all in-out documents received from branch offices examples Disbursements, Memo of Changes, Loan Applications, Loan Reschedulement Memo and Follow Up Reports
  • Establish and maintain internal and project filings for department
  • Responsible to make sure all department’s administrative needed such as stationery is always in order
  • Typing work – official letters, memos, reports and presentation tools by request from officers and head of department
  • Responsible to maintain the secrecies of the department’s especially staff’s Personal File
  • HR Decentralization
  • Responsible to assist Human Resources for new recruitment
  • To produce list of candidates for interview, provided names of the candidates will be given by Human Resources based on suitable qualifications and experienced
  • Manage to fix date for interview
  • To produce an invitation letter for interviews to all candidates
  • To produce an invitation memo to interview panels
  • To manage all forms for interview are well provided
  • To make sure all forms are completely fill by all candidates
  • Responsible to produce Confirmation Letter & Transfer Letter.

Clerk

Bank Pembangunan & Infrastruktur Malaysia Berhad
  • Typing work – official letters, project papers, memos, reports and presentation tools by request from officers and manager.

Skills

Developed and implemented Standard Operating Procedures (SOP), including for SME Bank’s Automated Letter of Offer system

Designed process flows and supported end-to-end system development and testing

Experienced in takaful and insurance operations, including underwriting and claims for fire, motor, and marine classes

Proficient in preparing and reviewing financial documents such as Letters of Offer, Restructuring & Rescheduling documents, and Letters of Consent

Strong knowledge of Bank Negara Malaysia’s financial guidelines, Islamic banking principles, and regulatory compliance

Skilled in IT procurement and vendor management, including quotation analysis, purchase orders, and asset tracking

Internal auditor for ISO 9001:2000 – performed document audits and ensured procedural compliance

Competent in project coordination and cross-department collaboration with IT, Risk, Credit, and Business Units

Excellent communication and negotiation skills with clients, vendors, and stakeholders at all levels

Able to work under pressure, manage high-volume workloads, and meet tight deadlines

Proficient in Microsoft Office tools: Word, Excel, and PowerPoint

Strong record-keeping skills with attention to detail and accuracy

Experienced in staff training coordination and IT-related budget monitoring

Education

  • Diploma in Business & Management – Unitar (known as Institut Teknologi Tun Abdul Razak (twinning programmed with Swansea Metropolitan University (known as Swansea Institute of Higher Education (SIHE Wales)), UK
  • Certificate In Islamic Banking & Finance – International Islamic University Malaysia (Institute of Islamic Banking and Finance-IIUM)

Last Position

SENIOR ASSOCIATE

Department

TAKAFUL SECTION, OPERATIONS SUPPORT

Coursework

  • Certificate In Islamic Banking & Finance - IIUM
  • Corporate Fraud: Awareness & Compliance - ADFIM
  • Anti-Money Laundering/Counter Financing Terrorism Awareness (AML/CFT) - IBBM
  • Fundamentals Of Shariah - Islamic Banking & Finance Institute Malaysia
  • Executive Development Program (EDP) - LH Consulting Sdn. Bhd.
  • Project Awareness Program - SQI Management Consultants
  • Understanding Of Financial Statements - 5R Strategic Consultancy Sdn Bhd
  • IT Infrastructure Library - Info Spec Sdn. Bhd.
  • Strategic IT Cost Management - Ingenium Asia Sdn. Bhd.
  • Business Skills For IT Professional - Global Knowledge Sdn. Bhd.
  • IT Helpdesk Training - Bank Pembangunan Malaysia Berhad
  • Audit Dalaman MS ISO 9001 : 2000 - SIRIM Berhad
  • 7QC Tools ISO 9001 : 2000 - SIRIM Berhad
  • Apresiasi & Dokumentasi ISO 9001 : 2000 - SIRIM Berhad
  • Effective Purchasing Management - FMM, Institute Of Manufacturing
  • Contract Negotiations Skills - Idea Skills Training
  • Awareness Programme ISO 9001 : 2000 - SIRIM Berhad
  • Ceramah Kesedaran Pencetus Perkasa Diri - Bank Pembangunan Malaysia Berhad
  • Powerfull Business Writing In 10 Easy Steps - Quest Learning Sdn. Bhd.

Contact

016-2638302

Personal Information

Date of Birth :13 April 1976

References

Abd Halim Abdullah, 012-7754456, Vice President, SME BANK. 

 Zaihani Abdul Hamid, 017-8893600, Assistant Vice President, SME Bank

Timeline

Senior Associate

SME Bank

Senior Associate

SME Bank

Executive

Bank Pembangunan Malaysia Berhad

Secretary to Head Of Department

Bank Pembangunan & Infrastruktur Malaysia Berhad

Clerk

Bank Pembangunan & Infrastruktur Malaysia Berhad

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ASWATINA AHMADSenior Associate, SME BANK