Summary
Overview
Work History
Education
Skills
Certification
Projects
Timeline
Generic
LIM WEI JUN

LIM WEI JUN

Credit Manager
23, 1E/KU, Jalan Ulek Mayang, 41050 Klang, Selangor

Summary

Seasoned Credit Manager with a proven track record at Hong Leong Bank Berhad, excelling in credit analysis and leading teams to exceed performance targets. Expert in risk analysis and fraud detection, successfully managed over 10,000 mortgage applications. Achieved a 99% SLA compliance rate, demonstrating exceptional performance improvement skills and leadership.

Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.

Overview

8
8
years of professional experience
1
1
Certification

Work History

Credit Manager (Mortgage)

Hong Leong Bank Berhad
08.2022 - Current
  • review and evaluate mortgage cases (residential, non residential & land), which including review client’s CCRIS, CTOS, SSM, income document (PLC, MNC, GLC payslip, business bank statement & financial statement) & perform independent credit judgement in line with bank’s policy & regulatory guideline
  • review and assess more than 10,000 mortgage applications with Approving Authority (AA) of RM1,500,000
  • work together with Fraud Management Unit on investigation of any suspicious applicant’s income document; to escalate any tamper income document (fraud cases) to BNM in timely manner
  • escalate any Politically Exposed Person (PEP), high net worth customer or high-risk country customer application which beyond own AA to management for review
  • work together with Business Development Manager to mitigate bank’s risk for marginals application cases which in line with bank’s policy & regulatory guideline
  • work together with panel valuer to identify the property market value; occupancy rate; property type (residential / non-residential property); applied different type of policy/way of evaluation based on different property type.
  • conduct weekly tamper income document sharing session with the team to acknowledge the team on the recent tamper document trend & pattern
  • Department person in charge (PIC) on assessment of manual cases for mortgage construction cost financing application. Gather, assess, evaluate construction cost application manually without system assistant due to system limitation.
  • managed to achieve department’s Turn Around Time (TAT) by 99% of the application been proceed within SLA with business unit; department daily productivity
    -continuous 2 years exceed expectation performance rating

Credit Manager

Hong Leong Bank Berhad
02.2024 - 04.2024
  • to assist Credit Evaluation Hire Purchase Department on BAU as the department experienced high turnover rate.
  • manage to exposure to Hire Purchase products through individual application and non-individual application (Industrial Hire Purchase)
  • managed to assist the department under Generic team (individual application) & Bank statement team (non-individual application)
  • exposure to Industrial Hire Purchase application with business documentation (Form 9/ Section 17; Audited report; different collateral type)
  • managed to achieve HP department TAT (processing time (processing time less than 4 hours) even temporary under the department for 3 months

Supervisor

RBC Investor Services Malaysia Sdn Bhd
07.2017 - 08.2022
  • Provide leadership, guidance and support in the development and enhancement of reconciliations processes to minimize breaks caused by process deficiencies
  • Assist management in training of staff and act as back up for manager
  • Engage in cross-training (different region UK,Luxembourg,Canada) to support depth and flexibility within the team
  • Responsible for ensuring that Reconciliations provides direct support and value to the business through initiatives that result in greater effectiveness and efficiency
  • Manage and monitor a group of clients which have total more £30 billion in asset under management included UK’s largest listed fund manager, and responsible for providing them with daily reconciliation report.
  • Review and clearance of daily or monthly cash and asset reconciliations
  • Maintain, monitor and resolve any query items in respect of issues pertinent to Global Reconciliations
  • Investigation of unresolved breaks and assignment of breaks to the departments
  • Collate and maintain required periodic reporting as required to support the client and/or business needs.
  • Collate and maintain statistical information for internal and client distribution.
  • Continuous 3 years Outstanding performance rating for years

Education

Bachelor of Arts - Bachelor of Banking With Finance

NORTHERN UNIVERSITY OF MALAYSIA (UUM)
Kedah
04.2001 -

Skills

Credit analysis

Process improvements

Credit reports

Risk analysis

Stakeholder management

Certification

Certified Credit Executive (CCE) – AICB

Projects

1) Process Enhancement
-Develop and implemented E-checklist, time consumed for report printing reduced by 30 mins daily, boxes of paper saved from physical printing process elimination.
-Created new matching rules in TLM which increase the automation rate in the process. The new matching rules reduced number of entries which need to be reconcile manually. Automation rate increased by 7%, approximate 1 hour saved from BAU process.

2) Teams Fictionalization
-Organize meeting with regional team managers to discuss the restriction (host’s country regulation, client’s concern, etc.) between different region and draft a proposal to teams functionality.
-Plan the capacity of teams and arrange cross training plan between team members from different region (London, Montreal, Toronto, Luxemburg, etc.)
-Monitor and track the progression of the project. Provide weekly project’s progression report to senior management.
-Team fictionalization increased operation’s efficiency and 2 FTE saved from operation.

3) System Implementation
TLM Premium (3.0)
-collect data and take part in system set up according to characteristics of the process. Part of pioneer tester involved in UAT testing. Stakeholder management, to educate, guide business unit on the on boarding of the new system, teach them on the navigation of the new system, act as middle man between IT team & stakeholder, raise the stakeholder’s concern & problem; deliver the system solution.


Controlnet system
-centralized system for controls and checklists across whole company. Part of the pioneer user who involved in department’s control setting up and system testing.

Timeline

Credit Manager

Hong Leong Bank Berhad
02.2024 - 04.2024

Credit Manager (Mortgage)

Hong Leong Bank Berhad
08.2022 - Current

Supervisor

RBC Investor Services Malaysia Sdn Bhd
07.2017 - 08.2022

Bachelor of Arts - Bachelor of Banking With Finance

NORTHERN UNIVERSITY OF MALAYSIA (UUM)
04.2001 -
LIM WEI JUNCredit Manager