Summary
Work History
Education
Skills
Timeline
Generic
Norshila Ain Subari

Norshila Ain Subari

Summary

Motivated individual with more than 10 years experience in customer service and sales , credit assessment & underwriting. Skilled in building customer relationships and understanding customer needs. Strong communication and interpersonal skills for providing superior customer service. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Work History

Business Development Executive , Lending -CFS

Malayan Banking Berhad
10.2022 - Current
  • Responsible for the depth analysis, access and review new or empanelled end financing projects.
  • Monitor and ensure that the assigned end financing limit & its utilization complies with the internal guideline
  • Ensure quality of project and developer assessment via site visit & yearly renewal
  • Manage & ensure all processes and procedures are in place to support sales team & project changes updated accordingly in system
  • Handle branches/sales enquiries regarding end financing projects
  • Handle enquiries from internal parties pertaining to revived/delayed projects
  • Identify potential key growth locations for residential & commercial development - assist business growth
  • Maintain good rapport with Developers, Panel Valuers, Lawyers, REA

Processing Executive - CFS

Malayan Banking Berhad
10.2018 - 09.2022
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Assessed credit risk and analyzed financial statements.
  • Gathered loan documentation for underwriting.

Business Development Executive - SME

Malayan Banking Berhad
04.2016 - 09.2018
  • Build new clients in accordance with the guideline to ensure the secured loans
  • Collect all client's information for loan application to verify their eligibility for the loan
  • Identify and/or assess potential customers through collecting, analyzing and developing appropriate information necessary for loan assessment
  • Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loans for commercial and consumer clients.
  • Negotiated loan terms and conditions with customers to secure best deal.

Consumer Sales Executive - CFS

Malayan Banking Berhad
02.2008 - 03.2016
  • Built relationships with customers and community to establish long-term business growth.
  • Achieved sales goals and service targets by cultivating and securing new customer relationships.
  • Resolved problems with high-profile customers to maintain relationships and increase return customer base.
  • Collaborated with upper management to implement continuous improvements and exceed team goals.
  • Skilled at working independently and collaboratively in a team environment.
  • Self-motivated, with a strong sense of personal responsibility.

Mortgage Sales Executive

Standard Chartered Bank
01.2006 - 01.2008
  • Maintained knowledge of loan products, underwriting, processing procedures and general guidelines.
  • Met with applicants to obtain information for loan applications and answer questions about process.
  • Conferred with underwriters to aid in resolving mortgage application problems.
  • Built networking and referral systems through realtors and title companies.
  • Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loans for consumer clients.

Education

Diploma in Banking

University Technology Mara
Malacca
2006

Small Ambassador

American Field Service -Exchange Student
Germany
2002

Skills

  • Effective Customer Communication
  • Sales and Marketing
  • Credit Assessment & Underwriting
  • Credits Understanding

Timeline

Business Development Executive , Lending -CFS

Malayan Banking Berhad
10.2022 - Current

Processing Executive - CFS

Malayan Banking Berhad
10.2018 - 09.2022

Business Development Executive - SME

Malayan Banking Berhad
04.2016 - 09.2018

Consumer Sales Executive - CFS

Malayan Banking Berhad
02.2008 - 03.2016

Mortgage Sales Executive

Standard Chartered Bank
01.2006 - 01.2008

Diploma in Banking

University Technology Mara

Small Ambassador

American Field Service -Exchange Student

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Norshila Ain Subari