JAVIER NGOH
Summary
Dynamic Loan Officer with proven expertise at Cash Check Singapore Pte Ltd, excelling in credit analysis and relationship management. Enhanced customer satisfaction through tailored loan solutions and effective negotiation techniques. Demonstrated strong compliance awareness while minimizing losses in debt collection, ensuring a seamless lending experience for clients. Experienced in loan negotiation via phone calls.
Overview
3
3
years of professional experience
Work History
LOAN OFFICER /Debt Collector
CASH CHECK SINGAPORE PTE LTD
06.2022 - 05.2025
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of client information.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Evaluated borrower creditworthiness using personal interviews, financial documents, and credit reports
- Maintained detailed records of transactions, repayment schedules, and communications
- Handled collections in delinquent cases with tact and legal awareness, minimizing losses
- Analyzed borrower profiles and loan grades to assess risk before funding
- Debt Collection Procedures
- Negotiation and Communication
- Compliance Awareness
- Drafted loan agreements outlining repayment terms, interest rates, and default consequences
Education
RETAIL
ITE COLLEGE CENTRAL
01-2018
Skills
- Database management
- Documentation review
- Relationship building and management
- Financial advising
- Client relations
- Credit analysis
- Loan servicing
- Negotiation techniques
- Cash handling
- Risk management assessments
- Regulatory compliance
- Document analysis
- Debt restructuring
Timeline
LOAN OFFICER /Debt Collector
CASH CHECK SINGAPORE PTE LTD
06.2022 - 05.2025
RETAIL
ITE COLLEGE CENTRAL
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