Afiqah Ibrahim

Experience

• 

  ATKC Hardware Trading

  Jan 2012 - Dec 2012

  Sales Clerk

  • Provide invoice, delivery order, purchase order and run stock inventory from time to time• Monitoring the merchandise and notifying a superior when items need to be restocked• Enter sales data and customer data into the company database• Welcoming customers, answering customer inquiries and provide suggestions according to customer preferences• Suggesting new items and perform cross selling to customers based on their selections• Assisting logistic trip as per daily sale transactions and ensure all delivery are met according to customer preferences• Accepting and processing payments for all method of payments available at the store• Arranging items such as special sale items to engage customers• Elevate feedback from customers to management Afișează mai puține

• 

  Agrobank, Malaysia

  Jan 2013 - Mar 2020

  • Perform financing collections on all products for the branch especially delinquent accounts• Went for site visit for further investigation on each impaired accounts for the branch• Assist clients with their impaired accounts to recovery unit and upon early settlement procedure/steps• Perform collections of client’s cheque / cash outside bank premise upon request by clients• Handle and process client’s documents for reschedule purpose or loan applications• Perform credit review, collateral review, system checking with CTOS, CCRIS, AMLA from time to time• Processing trade finance branch-registration• Assisting client’s collateral release (16N) after closing collateral loan account• Monitoring impaired account for Pre-NOD notice and processing lawyer legal payment for each client• Assisting the financial requirements and providing financial advice for clients• Developing a network of local business contact to expand marketing channel and cross selling on potential clients Afișează mai puține • Perform daily test on Ar-Rahnu equipment (Denci-meter and Test-Pen)• Daily update on gold price and provide gold price charts to clients• Promoting and perform marketing for Ar-Rahnu financing to meet branch sales target• Provide weekly and monthly Ar-Rahnu reports to regional office and perform general administrative duties for Ar-Rahnu• Processing Ar-Rahnu disbursement, monthly fee payments, contact renewal and closing of Ar-Rahnu accounts• Evaluate the value of gold for pawn via Denci-meter, Test-Pen and Acid Test from time to time according to compliance• Provide advices to client for Ar-Rahnu scheme according to client preferences Afișează mai puține • Creation of saving account, current account, fixed deposit accounts and issuance / replacement of ATM card for clients• Accomplish loan disbursement to current account as requested by credit unit department• Handled all transactional services, including bank deposits, monetary withdrawals, financial transfers and other banktransactions available through counter• Carry out cross selling of bank products while attending client and provide weekly sales report to manager• Maintaining and balancing cash drawers and reconciling discrepancies• Perform CDD (customer due diligence) and ECDD (Enhance Customer Due Diligence) for high-risk clients, suspicioustransactions and large transaction exceed limit• Tracking, recording, reporting and storing information related to transactions, bank supplies and clients, ensuring allinformation is accurate and complete• Work with other tellers as a team to complete daily tasks while demonstrating respect and professionalism, beingprompt and supporting management as needed• Provided clients with high level of service, privacy and confidentiality, friendly and welcoming attitude• Build awareness of new products and services and identify client needs to capitalize on the business referralopportunities• Serve clients by managing documents, information, and financial transactions in an organized, efficient and securemanner• Maintains client confidence and protects bank operations by keeping information confidential Afișează mai puține • Identify client needs, provide information on new products and services and direct clients to assigned department as needed by clients• Helped clients to solve issues in an effective and friendly manner• Built and managed solid client relationships, acted as a liaison with bank personnel to effectively resolve any clientissues• Resolve product or service problems by clarifying the client’s issues or complaint, determining the cause of theproblem, selecting and explaining the best solution to solve the problem, expediting correction or adjustment andfollowing up to ensure resolution are achieved at our end• Manage large amounts of incoming calls• Handle complaints, provide appropriate solutions and alternatives within the time limits and follow up to ensureresolution• Documented each customer's account accessed with information provided including results of the call• Go the extra mile to engage customers, perform cross selling on bank’s services and products to potential clients• Verify clients’ identity by performing KYC as regulated with AMLA• Follow all safety and security protocols for ensuring the continuous operation of the bank• Assisting clients with online banking, ATM and CDM machine• Perform journal maintenance and balancing for ATM and CDM machine• Attend and assist for priority clients (OKU, pregnant women, senior citizen) Afișează mai puține

  • Credit Assistant (Loan Monitoring & Collection)

    Jan 2015 - Mar 2020

  • Ar Rahnu Accessor

    Jan 2015 - Jan 2015

  • Bank Teller

    Jan 2014 - Dec 2014

  • Customer Service Representative

    Jan 2013 - Dec 2013
• 

  CIMB

  Mar 2020 - now

  Executive - Agency Management Unit

  • Assisting collecting agencies (ECA) in performing collection on behalf CIMB according to bank guideline• Attend agencies operation matter; ie. operation, defects, enhancement and refresher courses• Provide assistance for agencies to perform collection activities as per compliance guideline• Work on response and feedback from agencies, internal parties and clients• Negotiate with clients on payment arrangement and documentation• Reviewing payment arrangement from agencies, and match to bank collection guideline• Evaluate and recommend proposals request by agencies to management for approval• Perform monthly review based on agencies collection activities• Attend all inquiries from agencies, clients and other internal parties within TAT• Assist on complaint issue from agencies and internal parties and ensure customer request attended within TAT• Participate in JURIS module issues ie. system testing, enhancement and defects• Assigned as a mentor for protégé and provide training on proposal process• Provide briefing and training for agencies from time to time / quarterly basis• Perform site visit to agencies and provide physical training and briefing Afișează mai puține