Anas Baharudin

Credit Analyst at MAAX FACTOR SDN. BHD.
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Contact Information
us****@****om
(386) 825-5501
Location
Selangor, Malaysia, MY

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Credentials

  • Admitted as Advocate & Solicitor High Court of Malaya
    High Court of Malaya
    Dec, 2018
    - Oct, 2024

Experience

  • MAAX FACTOR SDN. BHD.
    • Malaysia
    • Financial Services
    • 1 - 100 Employee
    • Credit Analyst
      • Nov 2022 - Present

      I evaluate the creditworthiness of potential clients and contributing to the success of our factoring operations. My primary responsibility is to assess the financial health and repayment ability of businesses seeking working capital solutions by analyzing financial statements, credit reports, and other relevant data and help determine the level of risk associated with each client and provide recommendations for financing decisions to the the credit controller. I evaluate the creditworthiness of potential clients and contributing to the success of our factoring operations. My primary responsibility is to assess the financial health and repayment ability of businesses seeking working capital solutions by analyzing financial statements, credit reports, and other relevant data and help determine the level of risk associated with each client and provide recommendations for financing decisions to the the credit controller.

  • SME Bank Malaysia
    • Malaysia
    • Financial Services
    • 300 - 400 Employee
    • Relationship Manager
      • May 2019 - Oct 2022

      Involve in end to end process from credit origination, legal documentation, disbursement and up until post disbursement monitoring. To liaise with different department, agencies & external parties in the process.To maximize customer profitability through disciplined relationship management and up-selling and cross-selling. To provide monthly and annual forecast of loan approvals. To be responsible for all account prospecting and management activities while delivering superior customer experience.Monitoring of all accounts being approved and to include planning strategies activity on the account collections / enhancement. To conduct and ensure early detection via Alert Warning Signals / Significant Increase in Credit Risk for all accounts based on the prescribed qualitative and quantitative triggers and based on staging outlined by MFRS 9To perform credit control and recovery function. Ensure timely account review / renewal in order to maintain quality portfolio via structured monitoring plan. To perform cash flow review on accounts problem and provide adequate strategies / solutions.To provide intervention / solutions to avoid impaired account i.e. to prepare and obtain approval for Rescheduling / Restructuring proposal, to extend bill / maturity date for trade facilities and any other necessary intervention action.To ensure that all process and activities comply with internal & external standards set by the Bank and the relevant law. Show less

    • Restructure & Reschedule Tactical Team
      • May 2021 - Dec 2021

      To implement Special Relief Program as decided by the Bank’s Management in line with the National Post-Covid Pelan Pemulihan Negara (PENJANA, PEMERKASA, PEMULIH & URUS)To act as liaison between the Management & the assigned Branch in identifying Micro, Small, Medium Enterprise (MSME) impacted and offering the proper Rescheduling & Restructuring solution as part of the Special Relief Program.To assist branch with technical details, financial, operational & shariah compliance.Monitoring the Bank’s & the assigned Branch portfolio to provide strategic solutions to avoid / minimize account impairment. Show less

    • Graduate Trainee Program
      • Nov 2018 - Apr 2019

      Received training on financial analysis, product packaging, effective credit underwriting, interpersonal communication & presentation skills, selling & marketing skills.Exposed to various functions of different departments of the bank such as legal documentation, takaful & guarantee, risk & compliance to learn holistic operation of an organization.

  • Ahmad Zaidi & Partners
    • Pupil In Chambers
      • Oct 2017 - Dec 2017

      I received guidance regarding administration of justice under criminal law. I received guidance regarding administration of justice under criminal law.

  • Azreen Ardin Shah, Razif & Partners
    • Pupil In Chambers
      • Apr 2017 - Sep 2017

      I was given exposure to civil litigation starting from the process of serving letter of demand until the process of order execution. I was given exposure to civil litigation starting from the process of serving letter of demand until the process of order execution.

Education

  • Universiti Teknologi MARA
    Bachelor of Laws - LLB, Law
    2012 - 2017
  • Universiti Teknologi MARA
    Foundation In Law, Law
    2011 - 2012
  • MRSM Alor Gajah
    Sijil Pelajaran Malaysia

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