Certified Credit Professional ( Commercial & Retail )
Kota Kinabalu,Sabah
Summary
Professional Summary
Pragmatic professional with solid experience in leadership roles.
Adept at implementing strategic business plans, driving growth and improving operations.
Persistent leader eager to lead and grow organizations.
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
28
28
years of professional experience
3
3
Languages
5
5
years of post-secondary education
Work History
Vice President,Commercial Banking Sabah
RHB Bank Bhd
Kota Kinabalu, Sabah
05.2019 - 01.2024
Delivered strong financial performance despite challenging economic conditions by executing prudent risk management strategies throughout all aspects of business operations.
Developed new revenue streams by identifying growth opportunities and forging strategic partnerships with key industry players.
Negotiated high-value propositions that maximized profitability while mitigating risks for the organization.
Built high-performance teams through effective recruitment practices focused on competency alignment coupled with ongoing performance management processes.
Vice-President,Business Banking Sabah
HSBC Bank Bhd
Kota Kinabalu , Sabah
12.2014 - 04.2019
Formulate & implement action plans to achieve Business Center's growth in Total Operating Income vide acquirement of assets and liabilities with close monitoring of utilization and qualities of both existing and new assets.
Lead and manage the Sales Force in attaining the desired sales target.
To motivate and impart skills & knowledge in sales and service to elevate level of performance.
Senior Manager,Regional Securities Centre Sabah
Public Bank Bhd
Kota Kinabalu , Sabah
12.2013 - 11.2014
Monitor Sabah Branches' operation specifically loan disbursement and asset quality.
Liaise with Head Office, Branches and Solicitors to expedite the loan releases to meet bank's target.
To ensure branch's compliance with bank's policy with regards to credit control and securities documentation.
Branch Manager
Public Bank Bhd
Kota Kinabalu , Sabah
02.2011 - 11.2013
Develop and & execute business plan & strategies to achieve branch's profitability & growth.
Lead and manage the Sales Force in achieving the desired sales target.
Motivate branch staff & impart skills & knowledge in service, sales & operation to elevate levels of performance.
Business Development Manager
Public Bank Bhd
Kota Kinabalu , Sabah
01.2010 - 01.2011
Identify and drive new business for loans & deposit growth through networking.
To initiate marketing strategy for the team.
Provide value added input on credit proposal before submission for approval.
Supervise and guide subordinates on credit processing, managing customers' expectation and cross selling.
Sales & Marketing Manager, Regional Office
Public Bank Bhd
Kota Kinabalu , Sabah
07.2009 - 12.2009
Develop and market new loans by contacting prospective and existing customers and cross selling the full range of the Bank's business services to them to ensure all assigned targets are met
Respond to all enquiries pertaining to all credit matters from customer
Assistant Vice President, Commercial Banking Sabah
CIMB Bank Bhd
Kota Kinabalub, Sabah
07.2005 - 06.2009
Develop and market new loans by contacting prospective and existing customers and cross selling the full range of the Bank's business services to them to ensure all assigned targets are met.
Processing of Credit Application Report (including analyzing financial statement and cash flow projection) for Head Office's decision on loans solicited.
Head of Credit, Area Business Centre Sabah
EON Bank Bhd
Kota Kinabalu , Sabah
02.1996 - 06.2005
Develop and market new loans by contacting prospective and existing customers and cross selling the full range of the Bank's business services to them to ensure all assigned targets are met.
Processing of Credit Application Report (including analyzing financial statement and cash flow projection) for Head Office's decision on loans solicited.
Supervise and coordinate the day-to-day administration of the Credit / Loan section.
Education
BBA - Business Credit
Institute Bank-Bank Malaysia.
Kuala Lumpur, Malaysia
01.2007 - 11.2007
BBA - Accounting
University of Otago
Dunedin, New Zealand
01.1992 - 11.1993
BBA - Accounting
Otago Polytechnic
Dunedin, New Zealand
01.1993 - 12.1993
BBA - Accounting
MARA Community College
Kuantan, Pahang, Malaysia
01.1991 - 11.1992
Skills
Problem-solvingundefined
Self Evaluation
Professional banker with more than 25 years of experience in the industry. A result-driven executive leader with proven track record in marketing, customer engagement and people management. Strong collaborator with an entrepreneurial mindset. Self-motivated and constantly exploring new avenue for self-development and progress.
Milestones
Leading a Pioneer Team consisting of 15 staff to open Public Bank, Putatan Branch in 2011
Part of the Winning Team of Commercial Banking at HSBC Bank in 2016
Part of the winning team for Best Performance Region ( SME Banking ) at RHB Bank in 2022
Award for Top Performance in Loan Approved Accepted at RHB in 2023
Award for Top Performance in Fee Base Income at RHB Bank in 2023
Personal Information
Ethnicity: Dusun
Year of Birth: 1971
Religion: Muslim
Marital Status: Married
Quote
The real test is not whether you avoid this failure, because you won’t. It’s whether you let it harden or shame you into inaction, or whether you learn from it; whether you choose to persevere.
Barack Obama
Timeline
Vice President,Commercial Banking Sabah
RHB Bank Bhd
05.2019 - 01.2024
Vice-President,Business Banking Sabah
HSBC Bank Bhd
12.2014 - 04.2019
Senior Manager,Regional Securities Centre Sabah
Public Bank Bhd
12.2013 - 11.2014
Branch Manager
Public Bank Bhd
02.2011 - 11.2013
Business Development Manager
Public Bank Bhd
01.2010 - 01.2011
Sales & Marketing Manager, Regional Office
Public Bank Bhd
07.2009 - 12.2009
BBA - Business Credit
Institute Bank-Bank Malaysia.
01.2007 - 11.2007
Assistant Vice President, Commercial Banking Sabah