Mr Jaswandar Singh > Azmi & Associates > Kuala Lumpur, Malaysia > Lawyer Profile

Azmi & Associates
Jaswandar Singh photo


Senior Associate 1


Jaswinder, holds an (ACIS), LL.B (Hons) from the University of London obtained in 1985 and CLP (Malaya). He was admitted to the Malaysian Bar in 1989. He is an ex-banker / merchant banker for 20 years. His area of interest is troubled credit; debt restructuring and fund raising based in his past experience.

From 1976, he first served Bumiputra Commerce Bank Bhd in various positions. He served as Accountant, as relief manager in the bank’s branches and then as Senior Auditor.

He has wide experience in all areas of banking. Prior to leaving in 1995, he was Assistant Vice President and headed a portfolio of over RM 900 Million credits in the Credit Surveillance Department of the bank reporting to the Group Company Secretary. His responsibilities included management of pre-non-performing and non-performing credits to ensure the non-performing credits were kept to a bare minimum within the regulatory parameters set by Bank Negara Malaysia. The work involved review and appraisal of credits in trouble and raising proposals or work out strategies acceptable to borrower and lender to exit from or rehabilitate the credits based on borrowers cash flow and repayment sources, security held, appraisal of recovery having regard to complexity and costs of litigation and liquidation, incorporating where appropriate hair cut compromise or waiver of loan principal and unpaid interest, partial or full liquidation, rehabilitation where possible and adversarial recovery by enforcement and due process as a last resort. The rehabilitation of defaulted credits in some cases would involve new credits to complement agreed workout plans.

For 10 years thereafter until March 2005 he served Utama Merchant Bank Bhd, a merchant bank within the Utama Group as Company Secretary and Legal Adviser. His responsibilities included managing the legal and secretarial affairs of the bank, compliance with Malaysian banking regulations and advising the Board and senior management in general. More specifically he was involved in the design and delivery of the merchant banks corporate advisory and lending services to clients, corporate restructuring proposals, prospectuses, submissions to the Securities Commission and other relevant bodies for approval. He complemented the equity financing, lending and recovery activities of the merchant bank drawing from his previous experience in managing troubled credits.

He has practical hands on experience of close to 30 years in commercial and merchant banking transactions He is well known in banking circles and has activities, contacts and associates in the banking fraternity in Malaysia. He has a strong personal interest in debt restructuring and fund raising for troubled credits and will keenly take on any challenge to advise borrower and lender on the design and execution of exit or rehabilitation strategies appropriate in the circumstances of each case. 


English and Bahasa Malaysia


Advocate and Solicitor of the High Court of Malaya


LL.B (Hons) from the University of London