Microsoft Office (Word, Excel, Power Point)
Mohd Faizal Zainal
Credit Evaluation Manager
Raub
Summary
Accomplished Senior Relationship Manager with a proven track record in credit underwriting and assessment for the past 19 years, specializing in contract / project financing / development project, trade financing and industrial hire purchase. Expert in financial analysis and customer engagement, I have significantly contributed to business development through strategic sales management and mentorship. My approach combines analytical thinking with effective communication, driving success and compliance across banking portfolios.
Overview
21
21
years of professional experience
6
6
years of post-secondary education
1
1
Certification
4
4
Languages
Work History
Senior Relationship Manager
Bank Rakyat
08.2021 - Current
- Assisting Head, Business Banking Centre, Pahang in coordinating with 11 branches across Pahang and Kemaman, Terengganu to maximize sales efforts to business customers and cross-sell other products and services.
- Currently working on contract financing project, FMCG and FFB wholesaler with estimated financing approval value of RM34.0 million for Q12025.
- Enhanced team performance by mentoring junior relationship managers on best practices in client service, sales techniques, and product knowledge.
- Selected under Bank Rakyat Talent Management Program for future leaders.
- Managed a diverse portfolio of Small and Medium Enterprise as well as Cooperatives Customer with current financing balance of RM51.3 million.
- Complete and certified Business Credit Professional (BCP) conferred by Asian Institute of Chartered Bankers in October 2022.
- Top achievers for Term Deposit-i Referral Campaign under Pahang Region. (Total placement RM20.0 million – FY’2022)
Relationship Manager
RHB Bank Berhad
05.2018 - 08.2021
- Good relationship management & negotiation skills in liaising with Pahang State GLCs, other financial institutions and various regulatory authorities.
- Maintaining strong business relationship with all existing customer to optimize utilization of existing financing, pulse check on the financial assistance (in terms of R & R) amid Covid-19 pandemic and cross sell on other bank’s product such as deposits, premier banking, general insurance, multi-currency account and business credit card.
- Bringing in deposit of RM50.0 million in November 2020. Top achievers for Fixed Deposit Campaign under East Coast Region. (Total placement RM200.0 million – FY’2018 (RM100.0 million) and FY’2019 (RM100.0 million).
- Working on bridging loan proposal to finance PRIMA Project with GDC of RM92.3 million (650 units of single storey semidetached house).
- Managing a portfolio of RM87.0 million (comprises of manufacturing, exporter, oil palm traders, government contractors).
- Working on development financing of mass durian plantation and MD2 pineapple plantation with one of Pahang Government Link Companies. Estimated Gross Development Cost (GDC) of more than RM250.0 million.
- Selected under RHB Talent Management Program for future leaders.
Relationship Manager
Affin Bank Berhad
08.2005 - 05.2018
- Specialised in project / contract financing, development (bridging) financing and Factoring products.
- Participation – Credit Assessment and Capacity Building for Credit Managers
- Top 5 Achievers for Fixed Deposit Campaign FY'2017 under SME & Commercial Banking Division (Total placement amount : RM35.0 million)
- Recommending single financing deal proposal of RM100.0 million – Term Loan to finance development project in Johor. Approved by the Board Loan and Review Committee in April 2017.
- Consistently meet the target set by the Bank and earn performance Bonus.
- Handling minimum performing loan portfolio of RM70 million – 2008 onwards
KDU College Sdn Bhd
KDU College Sdn Bhd
03.2004 - 05.2005
- Provide education counselings services to prospective students and parents for the purpose of enrolment into KDU University College and College.
- Follow up with leads assigned through various communication channels to provide excellent and personalized service to prospects.
- Participate in sales events such as roadshows and education fairs as well as other promotional activities to support the organization in promoting and marketing KDU’s programme.
Education
Bachelor of Accounting - Accounting And Finance
Multimedia University
Malacca, Melaka, Malaysia 05.1999 - 05.2003
SPM -
Segamat High School
Segamat, Johor, Malaysia 01.1997 - 12.1998
Skills
- Sales management
- Public speaking
- Business development
- Customer engagement
- Portfolio management
- Analytical thinking
- Credit risk modeling
- Market research and analysis
- Risk assessment and reporting
- Portfolio management
- Advanced analytics
- Training and development
- Decision-making processes
- Financial analysis
- Communication and presentation skills
Software
Moody’s – Risk Analysis
Standard & Poor’s – Risk Analysis
Certification
[Business Credit Professional] Asian Institute of Chartered Banker
Timeline
[Business Credit Professional] Asian Institute of Chartered Banker
10-2022
Senior Relationship Manager
Bank Rakyat
08.2021 - Current
Relationship Manager
RHB Bank Berhad
05.2018 - 08.2021
Relationship Manager
Affin Bank Berhad
08.2005 - 05.2018
KDU College Sdn Bhd
KDU College Sdn Bhd
03.2004 - 05.2005
Bachelor of Accounting - Accounting And Finance
Multimedia University
05.1999 - 05.2003
SPM -
Segamat High School
01.1997 - 12.1998
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