Clarisse Sin

Experience

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  Hammerklavier Music Sdn Bhd

  Jan 2007 - Dec 2008

  Piano Teacher
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  Nestlé

  Nov 2009 - Feb 2010

  Intern - Engineering

  Involved in various projects related to product manufacturing eg 5S, GSTD etc Attended daily meetings to review plant operations.

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  Symphony BPO Solutions (Tiger Airways)

  Dec 2011 - Feb 2012

  Customer Service Agent (Tiger Airways)

  Assist customers of different nationalities from around the globe in their enquiries and needs via telecommunication.Real time Problem shooting & problem-solving.

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  Jutasama Sdn. Bhd.

  Jan 2013 - May 2013

  Estimation Engineer

  Analyse and evaluate the enquiries/bidding documents in terms of scope of work, technical specification, contractual and commercial requirements and engineering and design conditions serving clients from oil and gas, petrochemical and oleo-chemical industries.Project cost estimation. Draw out proposals based on client’s requirement.Liaise directly with clients on the enquiry and tenders/quotations after submission of proposal.

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  Public Bank

  May 2013 - now

  Oversees the business, operations and administration of the Branch consisting 50 staff with discretion necessary to fulfil Bank’s goals and policies and instructions set by Head Office, BNM and ABM. Reviews, plans, and provides organisation structure of the Branch. Responsible for the promotion and development of loans, deposits, and all banking business of the branch (investment and all retail products offered including Priority Banking for High Networth Individuals) and to ensure that all the business targets (revenue, profits, NII) and compliance are met. Ensures good quality of loans portfolio, good assets quality and anti-money laundering regulations are adhered to. Maintains staff discipline, morale, relations, promotions and industrial harmony in the Branch.Approves consumer and commercial loans within the discretionary power granted, and authorises submissions of loans application beyond DP to Head Office. Show less Head of Credit Department. Lead and manage the credit department team consists of 11 employees handling sales/marketing, administration, compliance, service and complaint. Formulate and implement various credit marketing and credit control strategies. Countersign / jointly approve consumer and commercial credit paper, overseeing disbursement, loans monitoring and review while achieving sales target given. Source new business and cross sell bank’s products to drive profit (loans, deposits, trade finance, forex, wealth management, BANCA etc) and generate loans growth to the Bank, network building with new and existing client via Account Management. Motivate and lead the credit department to cross-sell and generate leads to increase ROE to the Bank.Oversee frontline banking operation in the absence of Banking Service Manager. Reports to Branch Manager. Show less Team Lead of Credit Department. Assist Business Manager to manage the Credit Department. From sourcing new businesses, credit evaluation, loan disbursement, loan review to monitoring. Handle department’s various operational issues and complaints. Consistently achieving sales targets given. Provide credit decisions/recommendations, structure financing and banking solutions on both consumer and commercial credit facilities inclusive of asset acquisition and working capital (overdraft, trade facilities, FEFCL, etc ). Monitor and conduct monitoring and checking on Anti Money Laundering’s related issues in Credit. Assist Branch and Business Manager to source businesses from new and existing clientele base, network building, Account Management and to contribute and achieve Bank’s objectives. Show less Analyse, assess and evaluate financial risk and credit-worthiness of consumer and business credit facilities.Provide credit decisions/recommendations, structure financing and banking solutions on both consumer and commercial credit facilities inclusive of asset acquisition and working capital (overdraft, trade facilities).Work closely with various departments to ensure the Bank is able to execute client's transaction in a successful manner.Oversee and focus on originating and exploring new opportunities for the Bank through leveraging on the existing client relationship and account management. Source new prospective clients and network building to contribute to the bank's business objectives. Show less

  • Branch Manager

    Feb 2022 - now

  • Business Manager

    Mar 2020 - Feb 2022

  • Assistant Manager

    Nov 2018 - Feb 2020

  • Senior Executive - Credit Analyst

    May 2014 - Nov 2018

  • Management Trainee

    May 2013 - Apr 2014