Norsaleha Sallehuddin
Bercham
Summary
Trained Credit Analyst with the capability to develop methodologies that predict future risk behaviors. Seeking an opportunity to bring further success to an organization through exemplary attention to detail and an understanding of regulatory procedures.
Overview
10
10
years of professional experience
Work History
CREDIT ANALYST EXECUTIVE
PERKSON CREDIT SDN BHD
Ipoh
05.2019 - Current
- Consulted with senior management on proposed changes to underwriting standards and procedures.
- Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Identified areas where additional information was needed to complete a thorough analysis.
- Analyzed customer payment histories to assess credit risk profiles.
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Provided training sessions for new staff members on credit analysis techniques.
- Reviewed loan applications for accuracy and completeness before submitting them for approval.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Requested financial documents from customers.
- Conducted credit reviews on corporations to assess financial conditions.
- Utilized financial models to forecast future earnings and determine the feasibility of loan requests.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Analyzed clients' financial statements, market conditions, and industry trends to evaluate risk.
TEKUN OFFICER
TEKUN NASIONAL
Ipoh
01.2014 - 01.2018
- General duties include monitoring the operations for correct accounting procedures, approving loan packages, and developing relationships with the customers
- Had an experience more than 4 years in job field.
- Supervised subordinate staff in carrying out daily duties and activities.
- Implemented new technologies to enhance workplace productivity levels.
- Conducted performance evaluations and provided constructive feedback.
- Coordinated with legal counsel to ensure organizational compliance.
- Utilized skip tracing techniques including phone calls, internet searches and databases.
- Monitored customer accounts for changes in financial status or contact information.
- Maintained accurate records of collection activities in database system.
- Negotiated payment plans with customers to ensure timely repayment of debt.
- Monitored accounts to identify overdue payments and pursue timely remedies.
- Updated account status records and collection efforts.
Education
DIPLOMA - HOTEL MANAGEMENT
UNIVERSITI TEKNOLOGI
01.2013
PURE SCIENCE
SEK MEN TEKNIK TELUK INTAN ( AGRICULTURE SCHOOL )
01.2009
Skills
- Data Compilation
- Proficient in Microsoft Word and Excel, Google Workspace, Acos system
- Financial Forecasting
- Verbal and written communication
- Data Interpretation
- Risk Assessment
- Credit analysis
- Loan Documentation
- Team building
- Professionalism
- Quantitative Analysis
- Attention to Detail
Timeline
CREDIT ANALYST EXECUTIVE
PERKSON CREDIT SDN BHD
05.2019 - Current
TEKUN OFFICER
TEKUN NASIONAL
01.2014 - 01.2018
DIPLOMA - HOTEL MANAGEMENT
UNIVERSITI TEKNOLOGI
PURE SCIENCE
SEK MEN TEKNIK TELUK INTAN ( AGRICULTURE SCHOOL )
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