ROZILAH ROZALI

KEY RESPONSIBILITIES:

• Monitoring foreclosure (High Court & Land Office) and civil action for all accounts.
• Monitoring and compiling report for management reporting. (Foreclosure & Civil)

SCOPE OF RESPONSIBILITIES:

• Monitoring all Non NPL & NPL account queries related to Foreclosure & Civil proceedings
• Monitoring land inquiry at land office
• Monitoring assignment of LACA auction
• Monitoring instruction to solicitors to proceed with legal action against defaulters.
• Monitoring instruction to Valuer to prepare Valuation Report.
• Monitoring and updating details of legal action taken against defaulters and action taken by solicitors and updating in Power Kollect.
• Monitoring queries and correspondences.
• Monitoring that all queries and correspondences by customers and solicitors are acted promptly
• Monitor uplift blacklisted customer by updating status to CCRIS
• Monitoring calculation and preparing statement of account for filing Originating Summon, Further Affidavit and Proof of Debt at High Court and statement for enquiry at land office
• Monitoring all pre & post auction matters.
• To perform any other duties assigned by HOD (CRD) from time to time.

Consumer and Collection Unit (X-days unit)

- Handling special project in setting up Auction Unit for

Bank Islam (27 October 2014-31 January 2015)

• Review current process flow for foreclosure/auction and redemption.
• Preparing new workflow manual and presentation slide
• Preparing approval paper.
• Identified potential staff for the job function.

- Auction unit (1 February 2015 – 30 May 2015).

• Preparing excel template for monitoring and reporting purposes.
• Liaising with lawyer/auctioneer/valuer on the auction and valuation proceeding.
• Identify account for Deed of Assignment auction – monthly basis.
• To ensure all document/notices are in order for auction purposes.
• To ensure balance auction proceeds are received and to ensure all paper/document for discharge are attended.

- Collection unit -Central region (1 June 2015 – August

2016).

• Handling Impaired account for Selangor and Kuala Lumpur.
• Negotiated with customers to enter to payment workout/ withdrawing EPF in order to settle their account arrears position.
• Monitoring customer payment behavior and preparing manual declassified for Reschedule account.
• To achieve monthly target setting.
• Liaising with lawyers on the foreclosure process.
• Performed side visit either to mailing address or property address.
• To brief customers on the AKPK & Reschedule program.
• Attending Land Inquiry Matter – Kuala Lumpur & Selangor Land Offices (part of Foreclosure process)
• Liaising with lawyers on Civil Action from Letter of Demand up to Bankruptcy action.
• Preparing monthly report on the foreclosure.

Litigation Section

• Handling Non-Performing Loan (NPL) customer from 1st day of downgrading
• Negotiated with customers to enter to payment workout/restructuring/ withdrawing EPF in order to settle their loan arrears position
• Evaluate / approving customer request to reschedule/restructuring/payment workout
• Monitoring customer payment behavior and to upgrade/classified the a/c from NPL status
• Liaising with lawyer on legal proceedings (foreclosure) from Letter of Demand up to Auction Stage (Land Office/High Court/Loan Agreement case)
• Attending Land Inquiry Matter – Klang Valley & Selangor Land Offices (part of Foreclosure process)
• Liaising with lawyer on Civil Action from Letter of Demand up to Bankruptcy action (for shortfall after received auction proceeds or Unsecured Loan)
• Liaising with Auctioneer on auction case
• Liaising with valuer on preparing new /renewal of valuation report

Maintenance Section

• Ensuring downgrading done on time (90 dpd) for secured/unsecured account
• Approving all maintenance related to NPL accounts such as downgrading/ rescheduling/restructuring/ close
• Account/ debiting customer account for paying loan/ updating valuation report details and etc.
• Involve in automation project ie: automation of CCris and auto loading payment for AKPK.

• Assist customer in banking activity (withdrawal/deposit/opening account).
• Assist customer in opening cheque book. Handling unclaimed money.
• Built strong relationships with customers and colleagues by providing friendly and personable service.