Muhamad Hanif Muhamad Ngadi

Experience

• 

  Maju Concrete Industries Sdn Bhd

  Dec 2003 - Jun 2004

  Account Assistant

  Manage reporting in UBS accounting software.Enter purchase orders and follow up on status to ensure timely delivery.Prepare bank deposits, general ledger postings and statements.Reconcile accounts in a timely manner.Daily enter key data of financial transactions in database.

• 

  Bank Islam Malaysia Berhad

  Apr 2007 - now

  Relationship Manager

  To originate new financing proposals from Public Listed Companies, Government-linked Companies, Private Companies and other related companies.To acquire and market the Bank's product.To monitor business activities or and to be alert on adversity and/or variation in the customers' risk profile by highlighting to the Management with recommendations on appropriate action to be taken.To conduct a review of the customers' facility and recommend the course of action to be taken.To ensure that all accounts under the portfolio are reviewed on time and the status of the business is properly updated.To ensure that all proposals or leads initiated by Business Generators, internal and/or external sources are properly evaluated.Managed relationships with existing customers.Marketing and acquisition of new customers.To plan marketing schedules for new customers within the target market.To acquire new financing prospects either from existing customers or a new relationships or Business Generators.Preparation of "Credit Proposal' and to get approval from respective Financing Committee.Preparation of Letter of Offer and follow-up on the acceptance.To assist the 'disbursement and/or activation' process with the Sales Support Team and Credit Admin.To assist that the prospects are within the accepted risk appetite in an effort to secure quality customers.To assist that all terms duly complied including all other pre-disbursement conditions prior to utilization of the facility by customers.To maximize revenue from the group of customers.Ensure adherence and compliance to internal policies/ guidelines and external regulatory requirements.Any other duties/assignments as and when directed/assigned by the superior as per business requirement from to time.Maintain and manage customer relationship.Monitor the growth and quality of the business portfolio in order to meet the target. Show less