Resurfacing this topic again. Hopefully all of the taiko here can clarify my doubt.

For the past 12 years ive been only in one organization climbing up the corporate ladder. (Non bank)

3 months ago, i decided to move to one of the local bank here in malaysia.

Recently new opportunity came my way to join a foreign bank in malaysia. Offer letter signed, but i am not allowed to tender yet until my background check has been completed.

Im abit nervous with background check even though i have nothing to hide, and the foreign bank that i accepted their offer have a reputation in being a bit brutal when it comes to background check.

1) My ctos, experian report all clean
2) good paymaster and never missed any loan payment, ccris all 0
3) i have good relationship with my past employer even though i left then after serving for 12 years

My concern

1) well i am young, theres quite number of debt under my belt, and my credit rating marked only as good on ctos
2) 11/12 years ago when i started my career, i cant recall if im a good paymaster or not lol there maybe times that i might be late on my loan payment for couple of days or the most 1 month (i really cant recall)

Will my new employer review in dept the loan i took, and question why i have so many debts? And formulate incorrectly that im a risk due to number of loans that i have, that could potentially led to retraction of offer letter ?(note that i disclose everything to them)

Does the background check criteria differ between local and foreign bank?

My future boss keep on telling me, im already in local bank, the check more stringent, and i shudnt be worried (note that i know my future boss)

What do you guys think?

Haha thanks bro, i easily get worried about small things haha, in my new role yes i will be handling the bank client investment fund and cash. So yeah ccris and ctos would be applicable.

Should be fine i guess as long as i am not bankrupt or have any pending criminal charge under my name

Thanks guys, yeah i know background check is mandatory, but to what extend the criteria like for example, i know they are doing credit review, but do they just look at ok no delay or bankrupt, or do they like really review and scrutinize total value of loan that i took, or check and see if my dsr is at the limit. Thats my concern actually.. haha

Other than that, i dont have bad debt, i never miss my payment, dont have criminal record, i dont hold any form of directorship of company...

Fingers crossed....

Thanks guys, yeah i know background check is mandatory, but to what extend the criteria like for example, i know they are doing credit review, but do they just look at ok no delay or bankrupt, or do they like really review and scrutinize total value of loan that i took, or check and see if my dsr is at the limit. Thats my concern actually.. haha

Other than that, i dont have bad debt, i never miss my payment, dont have criminal record, i dont hold any form of directorship of company...

Fingers crossed....