Fellyndra Elsa Peter
Kota Kinabalu
Summary
Commercial Banking professional with 8 years of experience in relationship management, trade financing, and commercial lending portfolio growth. Skilled in managing client portfolios, structuring trade and commercial financing facilities, and conducting comprehensive financial and cash flow analysis to assess creditworthiness. Proven ability to drive interest income, fee-based income, and trade utilisation while maintaining strong adherence to BNM regulations and due diligence standards.
Overview
23
23
years of professional experience
Work History
Manager, Commercial Banking
AMBANK GROUP
Sabah
08.2017 - 11.2025
- Achieved loan growth from new borrowing accounts and existing borrowing commercial accounts
- Ensured growth of Interest Income, Non-Interest Income (Trade, Cash Management) and Fee Based Income (FX & Banca).
- Ensured utilisation of a high-value trade portfolio of up to RM200M, consisting of local Wholesale and Retail Groups, Manufacturing Group, International Merchanting Trade Group, and CIDB Contractors.
- Identified gaps in customer credit facilities to maximize trade volume and additional loan growth.
- Conducted periodic yearly annual reviews and site visits.
- Conducted financial analysis and cash flow assessments for trade financing, Industrial equipment financing and loan growth.
- Conducted comprehensive AML/CFT due diligence and ongoing monitoring, maintaining a 100% adherence record to Bank Negara Malaysia (BNM) mandates.
- Incorporated ESG considerations into customer due diligence and credit evaluation processes in accordance with internal risk frameworks.
Business Development Executive
MAYBANK
Sabah, Malaysia
10.2010 - 07.2017
- Identified and secured high-potential SME new to banking clients in Kota Kinabalu Sabah to drive asset-backed loans and High NIM portfolio growth.
- Cross-selling of ETIQA Keyman Insurance and Business AMEX corporate cards.
- Maintained a robust network of SME clients, providing tailored banking solutions for diverse financing needs.
Business Banking Executive
HSBC
Sabah, Malaysia
11.2008 - 09.2010
- Achieved liability growth by sourcing high-value business deposit accounts to strengthen the branch's funding position.
- Partnered with credit risk teams to align trade and loan applications with institutional risk appetite.
Consumer Mortgage Sales
MAYBANK
Sabah, Malaysia
10.2005 - 09.2008
- Prospected, onboarded and managed full-cycle residential mortgage applications, specialising in borrower income verification and DSR calculations.
- Analysed borrower credit reports and conducted preliminary assessments of collateral and appraisal reports.
- Cross-selling of other financial products eg ASB financings and credit cards.
Legal Officer
HI-POLY INDUSTRIES SDN BHD
Sabah, Malaysia
09.2003 - 09.2005
- Compiled detailed reports and presentations on legal matters for board meetings.
- Conducted Domestic Inquiries as needed.
- Served as ISO document controller and organised documentation for company's ISO Quality Management System (ISO 9001 : 2000).
- Assisted accounts department in recovering overdue trade receivables potentially leading to litigation.
Corporate Secretarial Associate
ERNST & YOUNG TRUST LIMITED
Sabah, Malaysia
03.2003 - 06.2003
- Assisted in managing portfolio of offshore entities in Labuan ensuring compliance.
- Organised daily tasks effectively within time sheets.
- Prepared directors’ board and circular resolutions accurately.
- Maintained statutory records and registers diligently.
- Assisted in preparing annual returns and compliance documents thoroughly.
- Filed documents with Labuan Financial Services Authority efficiently.
Education
Certified Credit Executive - Part 1
AICB
2024
Bachelor of Laws -
University of London
Kemayan ATC School of Law (External Program)2000
Skills
- Customer relationship management
- Sales and client acquisition
- Financial analysis
- Trade finance and Contract financing
- Corporate Governance
- Risk management and compliance
- Professional communication
- Problem solving
- Risk assessment
- ESG integration
- Negotiation
- Crisis management
- Writing skills
- Administration and documentation
- Credit evaluation
- Cross-functional collaboration
Languages
English
Proficient
C2
Bahasa Malaysia (Written & Spoken)
Proficient
C2
References
- Datuk Joshua Ho, Former Senior Vice President AmBank Commercial Banking, Group CFO of Yayasan Sabah Group, 012 833 5731
- Mdm Tan Guay Kian, Senior Vice President AmBank Commercial Banking, 019 862 3313
- Mr Sim Fui, Former Vice President, AmBank Commercial Banking Group, CEO of Kojasa Holdings Berhad, 012 828 9669
References
1. Mdm Tan Guay Kian, Head of Enterprise Banking, Kota Kinabalu, Sabah AmBank (M) Berhad, Sabah and Former Senior Vice President AmBank Commercial Banking
(Contact : 019 862 3313)
2. Datuk Joshua Ho, Former Senior Vice President AmBank Commercial Banking [Currently Group CFO of Yayasan Sabah Group) (Contact: 012 833 5731)
3. Mr Sim Fui, Former Vice President, AmBank Commercial Banking Group [Currently CEO of Kojasa Holdings Berhad (Contact: 012 828 9669)
Timeline
Manager, Commercial Banking
AMBANK GROUP
08.2017 - 11.2025
Business Development Executive
MAYBANK
10.2010 - 07.2017
Business Banking Executive
HSBC
11.2008 - 09.2010
Consumer Mortgage Sales
MAYBANK
10.2005 - 09.2008
Legal Officer
HI-POLY INDUSTRIES SDN BHD
09.2003 - 09.2005
Corporate Secretarial Associate
ERNST & YOUNG TRUST LIMITED
03.2003 - 06.2003
Certified Credit Executive - Part 1
AICB
Bachelor of Laws -
University of London