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Kuala Lumpur
Xiao Ying Kerk

Xiao Ying Kerk

Bachelor of Banking and Finance Student

Banking / Loans

Kuala Lumpur, Kuala Lumpur

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About Xiao Ying Kerk:

  • My name is Kerk Xiao Ying
  • currently studying for a Bachelor's Degree in Banking and Finance at TARUMT, and 
  • I have maintained a CGPA of 3.97.
  • Awarded President's list for Year 2 Semester 1 (with GPA 4.0 ) 
  • Awarded President list in Year 2 Semester 2 (with GPA 3.96).
  • Awarded Merit Scholarship with CGPA 3.79

Experience

Able to do Financial Analysis 

  • Evaluate financial statements
  • Calculate financial ratios to analyze the company’s financial performance.
  • Able to interpret the result.
  • Utilize this to forecast the company’s future growth trend.
  • Utilize the PESTLE to analyze how the external environment will affect that company's performance.

Able to do Credit Analysis

  • Ability to use 5Cs component to analyze customer creditworthiness
  • Ability to use SWOT analysis 

Education

In my course, I have studied subjects such as 

  • Banking Operation
  • Bank Credit Management
  • Investment and Financial analysis 
  • International Trade Finance
  • Personal Financial Planning

which have equipped me with valuable analytical skills

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