Trainer Zainal

CREDENTIALS

• MBA (UK)
• DBS (UiTM)
• CIB (AIM Manila)
• Certified Executive Coach (CEC) of International Coach Federation
• HRDC Certified Trainer
• Certified NLP Practitioner and Coach of ABNLP
• Speaker for Conventional and Islamic Banking

LANGUAGE

Spoken

• English
• Bahasa Melayu

Written

• English
• Bahasa Melayu

INTRODUCTION

A recipient of “Darjah Mulia Seri Melaka” and “Darjah Seri Melaka” by TYT Yang di-Pertua Negeri Melaka that grants him a title of “datukship”. Zainal , former Senior Vice President / General Manager of Ambank Islamic / Ambank Berhad.  Brings over almost 3 decades of experience helping corporate organization, business executives and aspiring entrepreneurs discover success.  A qualified senior management professional with significant experience in managing branch operations, corporate business transactions as well as business acquisitions for corporate/ institutional, business and retail banking, having 30 years’ track record in the banking and finance sectors, for both, Islamic and Conventional.

Zainal  brings a strong and unique business knowledge that is demonstrated through his extensive experience as a high-ranking ex-banker. Started his career in banking sector way back in 1985 when he was recruited as Credit Officer of the local bank before to join Arab-Malaysian Finance Berhad in 1989. He was a Regional Manager and Branch Manager of Ambank Berhad  and  Arab-Malaysian Finance Berhad ( Now known as Ambank Bhd) respectively for many years. Here, he helped, managed and trained staffs from all categories on various areas ; financial planning, sales, credits, merger –integration, collections, customer service. He developed strategies on how companies (branches and regions) see return on investment. Managed strategic & operational aspects of branches in the region aimed at enhancing organizational bottom lines by streamlining business strategy/ sales operations, credit management   and optimizing operating overheads.

MAJOR ACCOMPLISHMENTS

• Played key role in launching new products for banks – Factoring-Islamic, Ar-Rahnu, Murabahah Tawaruq Term Financing, Overdraft, Revolving Credit- Islamic, Syndication Term Financing, Housing Development Account- Islamic, Financing Product in Foreign Currency (Term Financing, Revolving Credit and Overdraft), Reactivation of Ijarah Muntahiah Bit Tamleek), Credit Card for Corporation and Musyarakah Mutanaqisah Housing Financing
• Successfully enhanced ‘Bainah’ concept based on directives of Central Bank of Malaysia
• Acknowledged by Central Bank of Malaysia for promoting “Musyarakah Venture” as one of the alternative business model to mitigate risk of non performing financing and business failure
• Functioned as Interim Chief Executive Officer managing day-to-day business operations of Abrar Finance Berhad prior to take over and merger by Arab-Malaysian Finance Berhad.
• Worked as Chief Executive Officer / Managing Director spearheading operations of the International Currency Business Unit (ICBU) of the bank as well as defining value enhancement strategies based on shareholder expectations; Head of Corporate Banking to cater for bridging, property, working capital and business loans for development of property as well as vessel financing and syndicated loans.
• Instrumental in launch of various schemes as Chairman of the Scheme – Shariah Compliant SME Financing Scheme (RM2.00 Billion allocated by participating banks for eligible Malaysia SMEs with the Government of Malaysia paying 2% of the profit rate charged on financing); Shariah Compliant Commercialization Innovation Fund (CIF) (RM500.00 Million allocated by participating banks to finance eligible Malaysian companies for Shariah compliant innovative products/ services in the commercialization stage with the Government of Malaysia paying 2% of the profit rate charged on financing.

PROFESSIONAL AFFILIATIONS

• Chairman, Shariah Compliant SME Financing Scheme Committee, Association of Islamic Banking Institutions Malaysia (AIBIM), Apr 2012 – Jul 2015)
• Member of the Main Committee of Agricultural Commercial Funds owned by Ministry of Finance, Malaysia, Jan 2011 – Dec 2014
• Member of Shariah Advisory Board, DMDI Finance House Berhad, Sept 2013 till 2017
• Fellow (Associate) of Institute of Malaysia Banks (IBBM)
• A member of Melaka Maju Committee 2010
• Chairman of Banking Association, Melaka Region, 2003-2006

KEY CLIENTS

LEADERSHIP STRENGTHS & HIGHLIGHTS