MAZIANORAZMA BT HAMZAH

• Was assigned to the Administration and Research Department, Administration Department: Mainly doing Events Management and processing Scholarship application Research Department: Data compilation and descriptive analysis of Sukuk Market in addition to the compilation of Shari’ah Resolution.

• Analyzed potential risks and evaluated loan products to identify suitable options for customers.
• Expanded market penetration with targeted marketing strategies aimed at reaching underserved businesses in need of financing options.
• Identified opportunities to cross-sell and upsell loan products to customers.
• Developed and implemented successful sales strategies to drive growth and exceed revenue targets
• Built diverse and consistent sales portfolio.
• Provided exceptional customer service by promptly addressing client concerns and resolving issues as they arose.
• Conducted market research to discover new leads, opportunities and messaging.
• Created customer loyalty programs to increase repeat business.
• Contributed to event marketing, sales and brand promotion.
• Evaluated loan requests and documents to verify accuracy and completeness.

· Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.

· Reviewed and verified income, credit reports and employment histories for each borrower.

· Adhered to banking standards and government lending guidelines for loan services.

· Assessed credit risk and analyzed financial statements.

· Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.

· Performed credit reviews on corporations to assess financial conditions.

· Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.

· Collaborated with cross-functional teams for comprehensive client assessments, supporting informed decisionmaking.

· Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.

· Collaborated with management to evaluate credit strategies and develop improvements.

· Improved cross-functional collaboration, working closely with sales and operations teams to meet business objectives.

· Increased customer satisfaction scores by promptly addressing concerns and resolving issues related to credit products.

· Conducted in-depth industry research to identify potential risks or opportunities within specific sectors, informing credit portfolio management decisions.

· Trained new team members on company-specific processes, ensuring consistent standards across the credit department.

· Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.

· Monitored client abilities and account information to determine appropriate credit approval decisions.

· Attended ongoing professional training to facilitate accurate and productive credit management.

· Monitored accounts for signs of fraud and non-payment issues.

· Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.

· Implemented robust monitoring systems to track performance metrics of existing loans, identifying areas requiring attention or intervention.

· Attended credit-related training and conferences to stay informed about industry trends and developments.

· Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.

· Devised collection recovery strategies to resolve customer issues and delinquent cases.

· Assisted with day-to-day operations, working efficiently and productively with all team members.

• Monitors account activity being alerted in Fraud Detection System (FDS) and to detect possible customer fraud.

• Updated and maintained confidential databases and records.
• Supported executive decision-making processes by preparing detailed reports on various performance metrics, enabling data-driven analysis for more informed strategies moving forward
• Contributed to a collaborative work environment by acting as a liaison between executives and staff members on various issues or concerns that required resolution or attention from leadership figures.
• Played a key role in achieving organizational objectives by anticipating executive needs and proactively addressing potential challenges before they escalated into larger issues
• Enhanced communication between executives and team members by organizing meetings and creating detailed agendas for optimal productivity.
• Showcased strong multitasking abilities while managing multiple competing priorities without compromising on the quality of work delivered or timeliness of completion.