Loh Jin Lap

Management Trainee (Credit Analyst) · Public Bank Berhad

lohjinlap@gmail.com · 011-11168613

linkedin.com/in/loh-jin-lap

Summary

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.

Internship

Kuala Lumpur Kepong Berhad — Treasury Team

October 2025 — January 2026
  • Analysed projected cash inflows and outflows to support liquidity planning and ensure the timely settlement of operational obligations.
  • Supported short-term funding decisions through inter-bank transfers, money-market placements, and loan drawdowns to optimise liquidity and minimise funding costs.
  • Executed FX forward contracts with banking counterparties to hedge foreign-currency exposure and support risk management of multi-currency cash flows.
  • Performed bank reconciliation by matching internal cash records with bank statements, identifying discrepancies, and resolving variances to ensure accuracy and completeness of financial data.
  • Coordinated across departmental lines to audit variance discrepancies, liaising with internal stakeholders when invoice quantities or pricing figures mismatched procurement logs.

Leadership & Teamwork

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.

Education

Universiti Tunku Abdul Rahman

June 2023 — June 2026

Bachelor of Finance (Honours) — CGPA 3.84 / 4.00

Certifications & Competitions

  • Financial Modeling & Valuation Analyst (FMVA) — Corporate Finance Institute (CFI)
  • Bursa Investment Quiz 2025 — Semi-finalist
  • CFA Institute Research Challenge — Equity Research Team Member

Skills & Languages

Analysis & modeling

  • Advanced Microsoft Excel · Advanced
  • LSEG Workspace · Proficient
  • Python · Working knowledge

Treasury & ERP

  • SAP · Proficient
  • Kyriba TMS · Proficient

Communication

  • PowerPoint · Advanced

Languages

  • English · Professional
  • Chinese · Native / fluent
  • Malay · Fluent