Suzylina Sopihodin
Summary
Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures. Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company. Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought. Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than Number years of resolving credit disputes and making recommendations on bad debt accounts. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Senior Credit Controller
Thomas Carlington & Associates
07.2011 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Adhered to banking standards and government lending guidelines for loan services.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Organized and finalized loan applications for underwriter review.
- Investigated and resolved customer disputes related to credit decisions.
- Negotiated payment plans and loan terms with delinquent customers.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Complied with internal controls and government regulations.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
- Improved understanding of financial statements, which helped in assessing risk.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Created credit policies, processes and procedures to maintain compliance with banking regulations.
Customer Service Assistant
LTA (P-Serv)
03.2010 - 06.2011
- Maintained clean and organized work environment to maintain customer safety.
- Built strong relationships with customers and colleagues by providing friendly and personable service.
- Collaborated with other departments to guarantee customer satisfaction.
- Utilized problem-solving skills to address customer queries and complaints.
- Answered customer questions about product availability and shipment times.
- Refunded money and adjusted bills to resolve customer service or billing complaints.
- Delivered prompt service to prioritize customer needs.
- Provided excellent customer care by responding to requests, assisting with product selection and handling ordering functions.
- Exhibited high energy and professionalism when dealing with clients and staff.
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
- Maintained up-to-date knowledge of product and service changes.
- Investigated and resolved customer inquiries and complaints quickly.
- Promptly responded to inquiries and requests from prospective customers.
- Responded to customer requests, offering excellent support and tailored recommendations to address needs.
- Managed timely and effective replacement of damaged or missing products.
- Educated customers about billing, payment processing and support policies and procedures.
- Monitored cash drawers in multiple checkout stations and maintained adequate cash supply.
- Collaborated with staff members to enhance customer service experience and exceed team goals through effective client satisfaction rates.
Education
Diploma - Business Management International Human Resources
Republic Polytechnic
Woodlands, Singapore05.2021
Skills
- Corporate Reporting
- Financial Data Analyzation
- Authorizations Knowledge
- Portfolio Monitoring
- Credits Understanding
- Past Due Procedures
- Financial Ratio Calculation
- Dispute Resolution
- Collection Calls
- Performance Strategies
- Delinquency Monitoring
- Training Junior Team Members
- Banking Standards
- Past Due Account Management
- Customer Proposals
- Documentation Management
- Serve Customers
- Customer Inquiries
- Financial Advisement
- Application Preparation
- Expense Reports
- Financial Documentation
- Managing Defaults
- Payment Arrangements
- Summary Reports
Accomplishments
- Achieved Result through effectively helping with Task.
- Achieved Result by completing Task with accuracy and efficiency.
Certification
- Area of certification Training - Timeframe
Languages
English
Bilingual or Proficient (C2)
Malay
Bilingual or Proficient (C2)
Timeline
Senior Credit Controller
Thomas Carlington & Associates
07.2011 - Current
Customer Service Assistant
LTA (P-Serv)
03.2010 - 06.2011
Diploma - Business Management International Human Resources
Republic Polytechnic
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