Bachelor of Economics graduated from the University of Malaya in 1979 majoring in business administration.
Working Experience
Mr Tham started his career in 1979 as a credit officer with a foreign bank for more than 4 years and left as an assistant branch manager before taking up another appointment to formulate operating policies on loans, credit administration and assisting the divisional general manager in office administration with a leading local bank in 1983. In 1991, he then joined an international factoring business company as the chief operating officer where he played an important role in growing the business and achieving profitability for the company before he left in 2005 to serve in a local bank as a director of credit approval and credit administration for more than 5 years. He retired in May 2010 after 31 years of impeccable banking career serving in various capacities. He has wide experience in branch banking, credit evaluation, marketing, trade finance and credit risk management. In addition, he has also attended various courses related to his career including Advanced Credit Risks Management, Techniques of Credit Management and Bank Marketing. During and over the course of his retirement, he worked on a contract basis with another local bank as the credit specialist until 2017.
This book is the result of the author's many years of experience and observation throughout his 26 years in the stockbroking industry. It was written for general public to learn to invest based on facts and not on fantasies or hearsay....