Madira Abdullah Sani

LITIGATION OFFICER

· Manage and handle the NPLs accounts and the Daily Recovery Report.

· Performing collection dunning to customers via telephone conversation and face to face for further discussion.

· Conducting skip tracing to locate missing debtors.

· Lead the recovery team to ensure target are meet every month, resolved the complicated cases, arrange site visit for uncontacted customer and provide strategic advice to new officer and other colleague to make sure the team achieve the high target every month.

· Liaise directly with the customers, solicitors, valuers and auctioneers to maximized collection/recovery performance.

· Effectively follow up customers under payment arrangement.

· Analyzing financial information to determine the best course of action for debt recovery.

· Keeping accurate records and updating database on a regular basis.

· Reporting on the status of debt recovery efforts to management.

· Attend and process customer’s request proposal with instalment plan, rescheduling account, proposal for full & final settlement, redemption, EPF, closing & discharge of charge.

· Updated CCRISS, OCISS and LIS.

· Handle secured and unsecured debt recovery accounts for accounts which are under consumer loan.

· Liaise with solicitors and instruct them to proceed with foreclosure and civil action against the customer until exhausted of legal action.

· Instruct valuer to prepare valuation report.

· Compiling accounts for Partial & Full Write Off.

REPORTING OFFICER

· Preparation of monthly recovery reports, achievement and percentage by overall, regions and states.

· Analyze recovery data and trends and create recovery reports for decision support.

· Analyze past results, perform variance analysis, identify trends and make recommendations for improvements.

· Any ad hoc reporting

· Prepare presentation slides about performance and future plan to meet the target given.

· To present every month about recovery performance to management.

AUCTION OFFICER (PRE & POST)

Pre Auction

· Received and compile new cases (listing) for incoming laca auction. Checked all the data given by the officers and make sure the data are accurate and in order.

· Prepare listing for proposed cases (new cases, rollover & confirm buyer) to be auctioned for the month and allocated the auctioneers based on their last month performance.

· Attend reviews meeting with Head RRC for new cases to be auctioned.

· Set date for next auction and email to all the auctioneers the listing for marketing purpose.

· Attend auction day and do a post mortem with auctioneers to know the feedback for each property.

· Prepare auction performance report and auctioneer performance report.

· Prepare slides summary for auction performance, post mortem reports, unsold property report and confirm buyer reports. In the slides also include the future plan, property under loan compression and retain property.

· Presented the slides to the management every month.

Post Auction

· Attending request for Letter of Undertaking, Confirmation letter of late payment charges, confirmation letter of received balance purchased price (BPP) and any correspondence letters related to post auction.

· Attending request of Indemnity letter from developer/liquidator.

· Attend and prepare request for extension of time (EOT) for Manager/Head RRC approval.

· Monitor and follow up BPP, forfeited cases and late payment charges (LPC).

· Prepare letter approval for forfeited cases, any contested cases related to auction and any complaint from bidder.

· Prepare monthly report on BPP receive, forfeited and Late Payment Charges every month.

Suitability for the position

· Self-motivated, with a strong sense of personal responsibility.

· Excellent communication skills, both verbal and written.

· Proven ability to learn quickly and adapt to new situations.

· Skilled at working independently and collaboratively in a team environment.

· Teamwork and can works in group.

· My ability to organize and analyze data and can handle project

· I’m have 18 years experienced in credit.

· I’m can make fast decision and I know my decision are always right and best decision.