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Personal Prospectus · Finance · Public Bank Berhad
Loh Jin Lap
Treasury-tested, credit-trained. Management Trainee (Credit Analyst) at Public Bank Berhad — growing a banking career with a wide-open future.
Position · TL/2026-01
Loh Jin Lap
- Instrument
- Credit Analyst (MT)
- Tenor
- Full-time
- Rating
- 3.84 / 4.00
- Experience
- 4 mo · treasury intern
- Languages
- English · 中文 · Malay
StatusEmployed @ Public Bank
CGPA 3.84
01
Summary
Trusted with the numbers.
Finance graduate with treasury internship experience spanning financial operations, liquidity management, and foreign-exchange transactions. Skilled in financial statement analysis, risk evaluation, and data-driven decision-making — with a disciplined approach to assessing risk and exposure. Now a Management Trainee (Credit Analyst) at Public Bank Berhad, applying that rigour to credit analysis and growing into the next chapter of a banking career.
3.84 / 4.00
CGPA — BFin (Hons)
4 months
KLK treasury internship
2 intakes
Orientation treasurer
3
Working languages
Personal index · 2023 → now
▲ trajectory
- Jun 2023Enrolled · BFin (Hons)
- Oct 2024Orientation Treasurer
- 2025FMVA certified
- 2025Bursa Quiz semi-finalist
- 2025CFA Research Challenge
- Oct 2025KLK Treasury internship
- NowPublic Bank — Credit Analyst
02
Internship
On the treasury desk.
Kuala Lumpur Kepong Berhad, Treasury Team. October 2025 — January 2026Internship — four months on a live treasury desk. Open each position to verify the work.
Analysed projected cash inflows and outflows to support liquidity planning and ensure the timely settlement of operational obligations.
Verified — treasury desk work
Supported short-term funding decisions through inter-bank transfers, money-market placements, and loan drawdowns to optimise liquidity and minimise funding costs.
Verified — treasury desk work
Executed FX forward contracts with banking counterparties to hedge foreign-currency exposure and support risk management of multi-currency cash flows.
Verified — treasury desk work
Performed bank reconciliation by matching internal cash records with bank statements, identifying discrepancies, and resolving variances to ensure accuracy and completeness of financial data.
Verified — treasury desk work
Coordinated across departmental lines to audit variance discrepancies, liaising with internal stakeholders when invoice quantities or pricing figures mismatched procurement logs.
Verified — treasury desk work
03
Leadership
Steward of the funds.
Treasurer — UTAR Orientation Organizing Team · October 2024 & February 2025 intakes
Managed and tracked budgeting, expenditures, and financial reporting for orientation programs attended by incoming cohorts.
Raised and oversaw fund allocation, prepared financial reports, and ensured transparent handling of orientation funds.
Coordinated with the UTAR Finance Division and committee members to manage sponsorship funds, approve expenditures, and ensure compliance with university policy.
Advised committee members on budgeting, financial planning, and reimbursements.
04
Education
Read the fundamentals.
Institution
Universiti Tunku Abdul Rahman
Award
Bachelor of Finance (Honours)
Result & tenure
3.84 / 4.00
June 2023 — June 2026
05
Credentials & competitions
Tested under pressure.
Competition
Bursa Investment Quiz 2025
Semi-finalist
Competition
CFA Institute Research Challenge
Equity Research Team Member
06
Capabilities
The toolkit.
Tools and languages used on the desk and in analysis — verified against real treasury and finance work.
Analysis & modeling
- Advanced Microsoft ExcelAdvanced
- LSEG WorkspaceProficient
- PythonWorking knowledge
Treasury & ERP
- SAPProficient
- Kyriba TMSProficient
Communication
- PowerPointAdvanced
EnglishProfessional
ChineseNative / fluent
MalayFluent
08
Contact
Let’s get you the full résumé.
Currently a Management Trainee (Credit Analyst) at Public Bank Berhad. Always glad to connect — reach out directly or get the CV.