Data Management: Enjoy organizing and managing large sets of data using various software tools
Fendrea Audrey
Credit Officer
KOTA KINABALU
Summary
Knowledgeable financial professional experienced in assessing credit viability for commercial borrowers. Have a good organizational and critical thinking skills. Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
6
6
years of professional experience
3
3
Languages
Work History
Credit Officer
Agrobank
09.2023 - 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.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
Senior Financial Executive (Banca)
Public Bank Berhad
1 2023 - 08.2023
- Seeks prospective customers and solicit for new customers for the Bank
- Promotes and sells core products namely Bancassurance products and non-core products such as deposits, credit cards and will writing
- Provides personal advisory services to prospective customers
- Establishes good rapport with customers and continuously develop and increases the business volume.
- Contributed to long-term organizational success by participating in strategic planning sessions alongside senior executives.
- Established strong relationships with banks, investors, and other financial institutions to secure necessary funding for business expansion.
Audit Associate
PKF PLT
04.2022 - 10.2022
- Performed dormant company audit
- Performed compliance test of payment and receipts tests
- Performed audit of payroll including testing of various statutory deductions.
Intern
PKF PLT
10.2021 - 03.2022
- Performed vouching work for audit purpose
- Send bank and hire purchase confirmation and to follow up to get return confirmation
- Filing of documents and all other tax, accounting and auditing related work
- Performed statutory records audit.
Accounts Assistant
Hlaw Tax Advisory Services Sdn Bhd
04.2018 - 07.2018
- Prepared reports detailing company cash flow and highlighting trends
- Managed office expenses, including coordinating purchases and documenting expenses against budget
- Kept accounts accurate by regularly reconciling transactions and statements
- Processing into Excel database and payroll database
- Completing payroll reporting, including tax submission
- General administration and accounts team support as required.
Junior Auditor
Hlaw Tax Advisory Services Sdn Bhd
02.2018 - 03.2018
- Completed audit papers by thoroughly documenting audit tests and findings
- Prepared working papers, reports and supporting documentation for audit findings
- Checking the client's financial statements.
Education
Bachelor of Accounting with Honours -
University Malaysia Sabah
09.2018 - 3 2022
Diploma in Accountancy - undefined
Politeknik Kota Kinabalu
11.2015 - 3 2018
SPM - undefined
SMK Kolombong Kota Kinabalu
01.2009 - 12 2013
Skills
- Financial statement review
- Risk Analysis
- Sales Support
- Credit analysis
- Financial statement analysis
- Documentation preparation
- Risk Assessment
- Collateral Evaluation
- Customer Relations
- Documentation Management
- Credit Scoring
- Documentation Review
References
- Belinda Montales, PKF PLT (Audit Associate), belindamontales@gmail.com, 0103970825
- Brenda Girlnee Kasim, PKF PLT (Audit Associate), eyndagirlnee96@gmail.com, 0109488468
Interests
Spreadsheets: Passionate about creating and maintaining spreadsheets for personal projects or community organizations
Database Management: Exploring and learning about different database management systems (eg, SQL, MS Access)
Timeline
Credit Officer
Agrobank
09.2023 - Current
Audit Associate
PKF PLT
04.2022 - 10.2022
Intern
PKF PLT
10.2021 - 03.2022
Bachelor of Accounting with Honours -
University Malaysia Sabah
09.2018 - 3 2022
Accounts Assistant
Hlaw Tax Advisory Services Sdn Bhd
04.2018 - 07.2018
Junior Auditor
Hlaw Tax Advisory Services Sdn Bhd
02.2018 - 03.2018
Diploma in Accountancy - undefined
Politeknik Kota Kinabalu
11.2015 - 3 2018
SPM - undefined
SMK Kolombong Kota Kinabalu
01.2009 - 12 2013
Senior Financial Executive (Banca)
Public Bank Berhad
1 2023 - 08.2023
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