Posts Tagged ‘credit’

I was Unit Head in Credit Operation

September 20, 2008

After three years as branch officer, I was transferred back to Head Office, specifically in Loan Supervision Department. As a Unit Head I was incharged to take care of few officers who were managed ‘board loans’. ‘Board loans’ meant loans were approved by the Board of Director which my Unit had to manage these loans. This included to visit project sites and made recommendation to withdraw or disburse loan to finance the projects.

I personally took incharged a few loans. When I was in this Departement, I gained experience to supervise oil palm plantations in Sabah, Perak and Terengganu. On average, the loan for each customers was about RM3 millions and the size was about a few hundred acres.

I became a branch manager

September 20, 2008

After seven years as research officer, I was transferred to Malacca branch as branch manager. This was another challenge to me. Try to imagine, without experience in operations (such as credit operation, financial management and office management), I was to take charge to manage a branch!

Malacca branch is a medium size branch. The staff was about 30. Main activities of the branch was loans and deposits. Malacca is basically is not an agriculture area. So there was not so much big agricultural activities.