Stella Loo

• Assessed and underwrote 50–60 credit card applications daily, evaluating supporting documentation to determine applicants’ creditworthiness.
• Ensured all credit assessments complied with internal bank policies and regulatory requirements set by Bank Negara Malaysia.
• Led team in providing guidance on credit-related matters, resolving operational and staff issues effectively.
• Trained and mentored junior underwriters; designed and implemented training programs to enhance accuracy, efficiency, and turnaround time.
• Managed ad-hoc system-related projects, conducting User Acceptance Testing (UAT) and system health checks to ensure operational stability and compliance.
• Demonstrated strong organizational and multitasking skills, consistently meeting deadlines with minimal supervision in a high-volume environment.
• Participated in new system enhancement projects to improve underwriting workflow efficiency and user experience.
• Recommended ideas for system enhancements to streamline underwriting efficiency and improve process accuracy.
• Proposed process improvement initiatives and system enhancement ideas to streamline credit assessment workflows.
• Actively participated in brainstorming sessions, providing practical suggestions for system enhancements aligned with business needs.

Unsecured Lending – Malaysia and Singapore portfolio

• Evaluated credit recovery applications by analyzing financial information, including credit bureau reports, income, savings, investments, and account history.
• Made credit decisions based on analyzing information on applications and from credit reporting. To ensure regulatory policies and guidelines are implemented when analyzing the applications.
• Implemented fraud detection checks to reduce potential fraud losses.
• Perform and evaluate existing customer line increase.
  

Secured Lending - Malaysia portfolio

• Assessed property value and identified risk issues by researching online sources to secure quality loans and mitigate bank losses.
• Executed projects to address specific organizational needs.

• Conducted basic checks on applications, including employment and applicant verification.
• Assessed credit worthiness by reviewing applicant financial history and documentation.
• Evaluated and processed credit card applications in accordance with policy guidelines.
• Completed loan applications with credit analyses, recommendations, and summaries of requests.