Elizabeth Sylvister
Kuala Lumpur,14
Summary
Bilingual Credit Analyst familiar with creating credit risk models. Eager to apply skills in account management and research to augment an employer's services and market share. Highly trained Credit Analyst offering excellent skills in managing issues, updating files, and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Credit Analyst
United Overseas Bank (UOB)
06.2023 - Current
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Participated in loan committee meetings to provide input on lending processes.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Improved understanding of financial statements, which helped in assessing risk.
Credit Processing Executive: Consumer Finance
RHB Bank Berhad
03.2018 - Current
- Evaluate overall credit worthiness of borrowers and ability to meet credit obligations periodically
- Review and evaluate financing application (Hire Purchase) individuals and businesses and risks associated with transaction
- Prepare credit proposals for credit committee approval
- Analysis of Financial documentation and supplemental data to support lending decision-making and recommend credit request to appropriately meet business needs
- Ensure documentations comply with all relevant policies SPI guidelines and procedures issued by Group
- Monitor loan portfolio repayments as well as conduct periodic credit review
- Prepare monthly CCRIS report and EDD/ODD for high-risk applicants.
- Implemented cost reductions and developed reporting procedures and systems .
Substitute Teacher
SJK(T) Kemuning Kru
01.2014 - 02.2014
- Plan and adhered to the curriculum and lesson plans.
- Maintained discipline and created a positive learning environment and managing students.
- Took attendance, documenting daily notes, and compiling reports.
- Communicated effectively with students, staff, and parents and maintained confidentiality concerning student information.
Education
Master's in finance - Fintech
Asia Pacific University of Technology And Innovati
Bukit Jalil Kuala Lumpur 02.2017
BA (Hons) in International Business Management -
Asia Pacific University
Bukit Jalil Kuala Lumpur01.2017
Skills
- Able to identify the nature of corporate world
- Can work under stressful environment
- Strong ability to perform duties under pressure and perform multiple tasks simultaneously
- Strong math knowledge and ability to use computers
- Strong ability to accept and learn new ideas, as well as take up new responsibilities
- Ability to be calm, objective, neutral, and make good decisions under pressure
- Credit Reporting
- Data Compilation
- Report Analysis
- Credit risk
Certification
- SQL
- Phyton
- AML/CFT risk conduct
- Financial modelling
- Forecasting Financial statement
- Basics of Agile
Languages
Bukit Jalil, Kuala Lumpur
Projects
Repayment Assistance (RA) Programme. Master's Thesis: Determinants of the adoption of Fintech products and services in Malaysia by Gen Z.
Timeline
Credit Analyst
United Overseas Bank (UOB)
06.2023 - Current
Credit Processing Executive: Consumer Finance
RHB Bank Berhad
03.2018 - Current
Substitute Teacher
SJK(T) Kemuning Kru
01.2014 - 02.2014
- SQL
- Phyton
- AML/CFT risk conduct
- Financial modelling
- Forecasting Financial statement
- Basics of Agile
Master's in finance - Fintech
Asia Pacific University of Technology And Innovati
BA (Hons) in International Business Management -
Asia Pacific University
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