Eksekutif Pemasaran


1. Eksekutif pemasaran ( kelulusan SPM/STP/DIPLOMA ).
2. Gaji pokok + komisen + EPF & Sosco.
3. Berkhidmat di Selangor dan KL.
4. Sukakan cabaran dan berdikari.
5. Memiliki kenderaan sendiri ( lesen D ).

Aminah Hafizah Bt Abu Bakar
H/p : 019-270 3364 @ 012-690 6562

Amiux ( M ) Sdn. Bhd ( 678406-A )
Lot 3-07. level 3, Cheras Plaza, No. 11, Jalan Manis 1,
Taman Segar, Cheras, 56100 Kuala Lumpur.

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Job Vacancy in Capital Oil & Gas

Capital Oil & Gas - London
Job Vacancy in Capital Oil & Gas

Capital Oil & Gas Limited is a global player in the energy and petrochemical business and is one of the worlds most successful companies, offering international career prospects and outstanding challenges.
Capital Oil & Gas Limited is committed to a business strategy that focuses on excellence while balancing profits with principles. As such, we require world-class talents to join our truly world-class business.
Job Requirements :

Candidates must have information of technology, engineering, architecture, finance, human resources, corporate affairs, general workers and external relations organisations.

Mr.Willy Jones.
Tel: +44 -7024091408
Address; 78 Hills Drive Circle Green -Hemisphere GHJ875-London
Website: www.capitaloilandgas.com
only shortlisted candidates will be accepted
Job Vacancy in Capital Oil and Gas

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Bank Jobs

Jawatan Bank Jobs
RBS: Careers - Search & Apply for Jobs
What Job's Best for Me? Recruitment Process · About RBS · Learning and Development

For all other roles within the RBS Group To find out what jobs we have available, simply type in your search criteria below and then press ‘Submit’. If a particular opportunity interests you, you can then apply online. In addition to that, you can also choose to receive email alerts regarding future vacancies.

Of course, if you’re not quite sure which role to apply for, just visit What Job’s Best for Me?. There you’ll find helpful guidance about which types of roles best match your skills and experience.

If you are looking for vacancies in Ireland you can visit the Ulster Bank Group website for more information.
For all other roles within the RBS Group please visit rbs.com/careers Banking and Finance Attorney The Arizona banking and finance attorney career center will help you with state and federal laws pertaining to the regulation of banks and financial institutions, including establishment of the institutions, day-to-day operations, and banking, both electronic and international.
However, before you approach the Arizona banking and finance attorney career center, you must understand the jobs of banking attorneys, how to select a good lawyer, and many other things.
Banking attorneys deal with the state and federal statutory laws pertaining to the regulation of banks and financial institutions.
Even if you are not facing litigation or a regulatory enforcement proceeding, retaining a banking and finance attorney to assure compliance with all state and federal banking laws, rules and regulations governing the operations of your institution will certainly help you avoid legal hassles later.
If you have a banking or finance problem and you do not already have a list of prospective lawyers, one of the greatest places to start your prudent search is the Arizona banking and finance attorney career center. You can do a free search to come up with a list of lawyers.
Moreover, once you have a list of lawyers, you want to find out every thing you can about them and then do some initial screening to whittle down your list to three or four prospective candidates.
You need to locate the best resource to get extensive yet authentic information on the various factors associated with the Arizona banking and finance attorney career center. This would help you to select the right Arizona banking and finance attorney career center.
Article Source: http://EzineArticles.com/?expert=John_Gutenburg A Career in Mortgage Banking Do you want a rewarding career that will make some descent money? Are you good with numbers? Are you good with paperwork? Do you like anything that has to do with money? If you answered yes, you may be interested in a career in mortgage banking. The best place to get an education on mortgage banking is at The American School of Mortgage Banking. They guarantee success to all of there students. The American School of Mortgage Banking can teach you all there is to know about mortgage banking. They have several courses that teach you all aspects of mortgage banking. The American School of Mortgage Banking offers a variety of courses at varying times. Some are as short as a few hours, and some are as long as a few days. Upon completion of their courses, The American School of Mortgage Banking also offers job placement and job assistance for as long as you need it. They will also write you a letter of recommendation for future possible employers. Lastly, you are offered free re-attendance to any courses you have completed, for those of you who would like a refresher to any courses you have completed One of the first mortgage banking courses you should take is in loan origination and loan processing. The first part of this course is an introduction to mortgage banking. It then moves to how to figure the total loan amount and loan payment. Next is buyer approval and qualifications. Finally, this course goes over the different types of loans available and how to do the paper work for them. At the end of the course you will receive a loan origination and loan processing certificate of completion. The next mortgage banking course you should take is conventional underwriting. This mortgage banking course will teach you the art of underwriting a conventional loan, appraisals, loan approval, liabilities, loan approval amount based on income, and the figuring of a down payment. Upon completion of this course you will receive a conventional underwriting certificate of completion. Another similar mortgage banking course you should take is FHA underwriting. This mortgage banking course teaches you how to get a HUD loan approval, appraisals, insurance requirements, and FHA loan closing procedures. At the end of the course, you will get an FHA underwriting certificate of completion. The American School of Mortgage Banking offers so much to its students. They guarantee that upon completion of there courses you will be ready to get out into the work force and join other mortgage bankers. You will leave knowing that you are going to be successful and you will also have a great deal of knowledge to take with you. Article Source: http://EzineArticles.com/?expert=Jay_Moncliff

Finance and Banking Online An online education in Finance and Banking can prepare you for an exciting career in commercial banking, investment banking, or financial planning. A Distance Learning course makes it possible for working adults to study Finance and Banking via the Internet, without forfeiting current employment. The online Finance and Banking curriculum covers accounting, law, economics, finance, management, marketing, and other essential knowledge needed for a degree. Online Finance and Banking students learn about financial planning, securities markets, bank operations, lending, international banking, and management strategies. Future financial planners are taught to design, implement and monitor financial policies; plan and execute financing programs; manage cash resources; and interface with investors and the financial community at large. A high school diploma or GED may suffice for an entry-level Finance and Banking job such as a bank teller. However, a college degree with an emphasis on business administration, accounting, statistics or finance is highly preferred. Typical online Finance and Banking degrees include a Bachelor of Science in Business Administration, a Master of Science in Banking, and even a PhD in Applied Management and Business Decisions. There is a wide range of employment opportunities in Finance and Banking, such as providing banking services to individuals, small businesses and large organizations, as well as leasing, credit card banking, investment banking, international finance, and trade credit. The salary range for workers in the Finance and Banking industry can vary widely, depending on education and experience. For instance, a bank teller may earn approximately $29,500 annually, while a bank president or investment banker may earn $190,000 or more per year.
Article Source: http://EzineArticles.com/?expert=Michael_Bustamante

Online Banking and Account Checking Online The online banking or Internet banking are novel banking terms. The online or internet banking means performing transactions, payments etc. over the internet through a bank's secure website. The account checking online is very important in online banking. One can have an access to all type of bank account online including savings account online and online merchant account. The mickle of customers prefer online banking in dealing with their finances today. The online banking is very convenient and secure also. The different online users have different passwords. The number of frauds over online banking is very small, but the online banking can be insecure if users are careless, gullible or computer illiterate. The phishing is an increasingly popular criminal practice to gain access to a user's finances. The major benefit of online banking is that one can check online banking account outside the bank hours and from anywhere where internet access is available. In most cases a web browser such as Internet explorer or mozilla firefox is utilized and any normal internet connection is suitable. An online bank does not require any special software or hardware. As the online banks have low costs compared to traditional banks, they can offer high interest rates. The online banking usually offers such features as electronic bill payment and the downloading of bank statements for import in a personal finance program. The popularity of online banking is increasing day by day. The European countries including the Scandinavian countries, The Netherlands, Austria and Belgium, United States, Canada are offering online banking, today.
Article Source: http://EzineArticles.com/?expert=Sardool_Sikandar


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Jawatan Kosong Pensyarah

Jawatan Kosong Pensyarah

Kelayakan Jawatan

Pre-University candidates must possess a Bachelors Degree in the area of specialisation with teaching qualifications and experience. Preference will be given to Masters Degree holders.
Tertiary candidates must possess a Masters Degree and Bachelors Degree in the area of specialisation with appropriate teaching experience and related industry or research experience. Those with PhD will have an added advantage.
Those without relevant experience but with a passion for teaching and learning will be considered
English language proficiency
Professional Requirements

Quantity Surveying lecturers must be a registered Quantity Surveyor
Candidates for Accounting lecturers must possess a professional accounting qualification such as CPA/ACCA
mohon jawatan

The Human Resource Director
Taylor's Education Group
Level 10, Block A1
Leisure Commerce Square
No. 9 Jalan PJS 8/9
46150 Petaling Jaya
Selangor, MALAYSIA

Email : grphr@taylors.edu.my
Pensyarah

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Terima Kasih
Maklumat anda telah selamat sampai kepada kami untuk di pergunakan sebagaimana mestinya
Maklumat anda adalah selamat dan dilindungi dengan hak data pribadi
Sebarang kemuskilan sila Contact kami di jawatankosongmalaysia@gmail.com .

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Pensyarah Taylor's Education

Jawatan Kosong Pensyarah

Kelayakan Jawatan

Pre-University candidates must possess a Bachelors Degree in the area of specialisation with teaching qualifications and experience. Preference will be given to Masters Degree holders.
Tertiary candidates must possess a Masters Degree and Bachelors Degree in the area of specialisation with appropriate teaching experience and related industry or research experience. Those with PhD will have an added advantage.
Those without relevant experience but with a passion for teaching and learning will be considered
English language proficiency
Professional Requirements

Quantity Surveying lecturers must be a registered Quantity Surveyor
Candidates for Accounting lecturers must possess a professional accounting qualification such as CPA/ACCA
mohon jawatan

The Human Resource Director
Taylor's Education Group
Level 10, Block A1
Leisure Commerce Square
No. 9 Jalan PJS 8/9
46150 Petaling Jaya
Selangor, MALAYSIA

Email : grphr@taylors.edu.my
Pensyarah

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Kerani AM Maybird Socks Shop

Jawatan Kosong
Kerani am

* SPM or equivalent
* With or without experience
* Computer literate
* Able to start work immediately is advantages

Interested candidates are invited to apply online, send in or fax in your details resume stating current and expected salary enclosed with a recent passport sized photograph to:
Untuk Pertanyaan:
Maybird Socks Shop Sdn Bhd
No. 29 & 31, Jalan Bukit Permai Utama,
Taman Industri Bukit Permai,
Cheras, 56100 Kuala Lumpur
Fax: 03 – 42963896


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Jawatan Kosong Bagi Software Enginer


Candidate must possess a Degree in Information Systems / Information Technology / Computer Science or equivalent.

4 - 6 years of professional software engineering experience.

Expertise in one of the following development environments is required
Java / JSP / PHP
Knowledge on Ruby on Rails is helpful

Comfortable working with at least one dynamically typed scripting language like Ruby, Python, Perl or Smalltalk.

Demonstrated ability in designing complex database-oriented backend application systems.

Comfortable working in a heterogenous development environment where you will be working with multiple languages and technologies.

Competent working with web services (SOAP, REST, JSON etc.)

Knowledge in the following areas will be a plus:
MySQL database administration
Linux O/S administration
Network management

Excellent communication and teamwork skills.

Self starter with minimal direct supervision and who's anxious to start producing.

Location: Petaling Jaya, Malaysia.

Untuk Permohonan:
If you seek new challenges and thrive in a dynamic, results-oriented environment, we invite you to apply for this position. Please drop us your resume to myjobs@zoecity.com


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Pembantu Store

Jawatan Kosong
Bagi Jawatan Pembantu Stor

Kelayakan Jawatan

- Minimum SPM or equivalent.

- Must be computer literate.

- Systematic and good organization skills.

We provide a good basic salary, generous car allowance,

dental and medical benefi ts, and opportunities for career

advancement. Interested candidates are invited to write-in or

email a detailed resume stating current and expected

salary and a recent passport-sized photograph to:

Amedix Sdn. Bhd.
Lot 7, Jalan Pengacara U1/48,
Temasya Industrial Park,
40150 Shah Alam, Selangor.
Tel:03-55694848 Fax: 03-55694478
Email: info@amedix.com.my

Pembantu Store

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Jawatan Kosong
Jawatan Project engineering


• Degree / Diploma in Electrical Engineering, majoring in Telecommunication or IT

• 2 - 4 years experience in telecommunication projects roll-out

• Strong knowledge of cellular and wireless broadband technology

• Experience in supervision, management and coordination of BTS & microwave radio site survey, planning, installation, testing & commissioning

• Ability to handle customers, vendors and sub-contractors in day to day roll-out activities

• Professional attitude, excellent written and verbal skills, good planning and organizational skills and be able to produce deliverable documentation

Interested candidate are requested to send in your

application with complete resume stating current and expected salary

and a passport sized photograph (n.r) not later than

Untuk Permohonan:

P.O. Box 476, Pejabat Pos Jalan Sultan,
46750 Petaling Jaya, Selangor Darul Ehsan
or email to your application to

 Only short-listed candidates will be notified for interview

Engineering Careers

Have you been considering a career in the engineering industry but you would like to know more about it first? A lot of people consider this as a career, but they are not really sure where to start and therefore, they could make the wrong decisions. You may or may not be aware of this, but it is such a wide field to go into, so it gives you a massive choice of what type of engineering to do as a career.

What type of Engineering should you go for and will it meet your expectations?

You may have heard that engineering is a good career to go into and that it can be great pay. However, finding a good paying engineering job is like trying to find a needle in a haystack because, unless you are sure of what you want to do, you could be left bewildered with the huge number of choices.

There are so many different paths that you can go down and it is always best to know exactly what you want beforehand. Also, you need to think carefully about whether engineering is for you or not. The best thing that you can do is to decide what your interests are and then search for any engineering roles that suit your interests the best.

For instance, if you have a passion for computers and you want to be an engineer, then computer engineering could be what you are after. Also, you need to have a list of expectations and then see whether the career you like the look of matches them or not. If you are stuck on what type of engineering to do, try to seek advice from a career advisor or do plenty of research to help guide you.

Is Engineering A Good Way To Make A Living?

If you would like to be an engineer of some sort, you should know that you have a very challenging career ahead of you. It is a very tough career and therefore, the person applying for this career should know exactly what they are letting themselves in for.

Although engineering can be very tough, it can also be an exciting and rewarding career. The best part about engineering is the amount of flexibility that the career has in terms of the choices there are. If you are interested in being an engineer and you have the right qualifications needed to do the job, you could have a long and successful career and you will never look back.

Article Source: http://EzineArticles.com/?expert=Izrul_Fizal



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Universiti Malaysia Pahang



Universiti Malaysia Pahang (UMP) mempelawa calon-calon Warganegara Malaysia yang berkelayakan dalam bidang-bidang yang berkaitan untuk mengisi kekosongan jawatan secara tetap/kontrak/sementara seperti berikut :-

1-pegawai penerbitan N41
2-penolong pegawai penerbitanN27
3-pembantu tadbir N17 (setiausaha)

Jawatan Kosong - Pegawai Penerbitan

Jadual Gaji :

P1T1 RM1690.28 - P1T27 RM4640.28
P2T1 RM1784.90 - P2T27 RM4918.55
P3T1 RM1883.70 - P3T27 RM5220.62

Syarat Lantikan Asas:

i) Ijazah Sarjana Muda yang diiktiraf oleh kerajaan daripada institusi-institusi pengajian tinggi tempatan atau Diploma Sebaran Am daripada UiTM atau kelayakan yang diiktiraf setaraf dengannya; atau

ii) Ijazah Sarjana Muda yang diiktiraf oleh kerajaan daripada institusi-institusi pengajian tinggi tempatan atau kelayakan yang diiktiraf setaraf dengannya serta Diploma Percetakan daripada London College of Printing atau kelayakan yang diiktiraf setaraf dengannya.
[Gaji permulaan ialah pada Gred N41: P1T2 RM1780.73]; atau

iii) Ijazah Sarjana Muda Kepujian yang diiktiraf oleh kerajaan daripada institusi-institusi pengajian tinggi tempatan atau kelayakan yang diiktiraf setaraf dengannya.
[Gaji permulaan ialah pada Gred N41: P1T3 RM1871.18]; dan

iv) lulus Bahasa Malaysia/ Bahasa Melayu (termasuk lulus Ujian Lisan) pada peringkat Sijil Pelajaran Malaysia atau kelulusan yang diiktiraf setaraf dengannya oleh Kerajaan.

Syarat Lantikan Tambahan .

Boleh bertutur, membaca dan menulis dalam Bahasa Inggeris dengan baik.

Syarat Kenaikan Pangkat Secara Lantikan

Pegawai sedang berkhidmat dalam perkhidmatan Penolong Pegawai Penerbitan adalah layak dipertimbang oleh Pihak Berkuasa Melantik berkenaan untuk Kenaikan Pangkat Secara Lantikan ke jawatan Pegawai Penerbitan Gred N41, tertakluk kepada kekosongan jawatan, apabila telah disahkan dalam perkhidmatan dan:

i) mempunyai kelayakan seperti di atas ; atau
ii) lulus Peperiksaan Khas; dan
iii) berumur kurang dari 54 tahun pada tarikh lantikan.

Untuk Pertanyaan :
Unit Perjawatan, Bahagian Sumber Manusia
Jabatan Pendaftar
Universiti Malaysia Pahang,
Karung Berkunci 12,
25000 Kuantan, Pahang Darul Makmur.
Tel : 09-549 2522/2521/2504
Faks : 09-549 2544/9181

Panduan Menyediakan Resume Untuk Memohon Pekerjaan :
How To Write A Good Cover Letter Tips

What is a Cover Letter ?
A Cover letter to a job application is like the book cover to any books. A cover letter is the attention-grabbing introduction that is attached to your resume in a job application. In these letters you are explaining who you are and why you are writing to the person who is reading your resume. It is only proper for you to introduce yourself when you are requesting something of them, in this case, an interview.

Cover Letters Should Be Brief and Simple

Remember that recruiters have to read so many resume applying for only one position, out of which, they will select a few candidates for interviews. In order to secure that interview, cover letters should ideally be only one page long. Many people provide lengthy autobiographies in the cover letter. Never repeat your resume in your cover letter. This is a waste of the writer's and reader's time.

Cover Letter Content
In the first two paragraphs, mention the position you are applying for and how did you learn of the opening for the position.

In the subsequent two paragraphs, tell your prospective employer why you are perfect for the position. And finally end your cover letter by informing whether you will be calling them or you will be waiting for their phone call to call you for an interview.

Remember, NEVER use the same cover letter for all your job application. And never ever attempt to take the easy way out by copying your friend's cover letter and just change the details. You cannot cheat the recruiters. Be individual and write a customised cover letter just for that one application to show your genuine interest in getting that job. Read More>>>

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Jabatan Kemajuan Islam Malaysia


Pemohon-pemohon adalah dipelawa daripada Warganegara Malaysia yang berkelayakan bagi mengisi kekosongan jawatan di Jabatan Kemajuan Islam Malaysia
ISLAM GRED S11 ( Lelaki Sahaja )
b) Kementerian /
Jabatan : Jabatan Kemajuan Islam Malaysia
c) Kumpulan
Perkhidmatan : Sokongan
d) Klasifikasi : Sosial
2. Gred/Jadual Gaji : Gred S11
P1T1 RM709.59 - P1T22 RM1750.21
P2T1 RM752.06 - P2T22 RM1839.98
P3T1 RM796.16 – P3T22 RM1931.38
3. Syarat Lantikan : Calon-calon bagi lantikan hendaklah memiliki kelayakan seperti berikut :
(i) Terdiri daripada warganegara Malaysia;
(ii) Berumur tidak kurang dari 18 tahun pada tarikh tutup iklan jawatan;
(a) Penilaian Menengah Rendah/ Sijil Rendah Pelajaran atau kelayakan yang diiktiraf setaraf dengannya oleh kerajaan dengan kepujian dalam Subjek Agama Islam; serta
(b) Mempunyai pengalaman yang cukup tentang Hadis, Tauhid, Fiqah dan sebagainya serta berkebolehan mengaji dan mengajar Al-Quran; DAN
(Gaji permulaan ialah pada Gred S11 : P1T2)
(c) Lulus Bahasa Malaysia/Bahasa Melayu pada peringkat Penilaian Menengah Rendah/Sijil Rendah Pelajaran atau kelulusan yang diiktiraf setaraf dengannya oleh kerajaan.
4. Cara Memohon
(a) Permohonan hendaklah dibuat dalam borang JAKIM.SM-1/2008 yang boleh di dapati di alamat berikut:
(i) Ketua Pengarah
Jabatan Kemajuan Kemajuan Islam Malaysia
( Alamat seperti di para 7 )
(ii) Laman web JAKIM www.islam.gov.my
(iii) Pengarah
Jabatan Kemajuan Islam Malaysia Cawangan Sabah
Aras 6, Blok A,
Kompleks Pentadbiran Kerajaan Persekutuan sabah
Peti Surat 14725
88854 Kota Kinabalu, Sabah
(iv) Pengarah
Jabatan Kemajuan Islam Malaysia Cawangan Sarawak
Bangunan Baitulmal (MECHUNMA)
Lot 146 Seksyen 8 KTLD
Jalan Haji Taha
93400 Kuching, Sarawak
(b) Borang permohonan yang telah lengkap diisi hendaklah dihantar dalam sampul surat berukuran 22sm x 32sm dan di sudut atas sebelah kiri hendaklah ditulis PEMBANTU RENDAH HAL EHWAL ISLAM.
5. Tempat Bertugas : Polis Diraja Malaysia dan Jabatan Agama Islam Wilayah Persekutuan.
6. Catatan Am:
(i) Hanya calon yang layak selepas tapisan sahaja akan dipanggil untuk temuduga.
(ii) Pemohon yang tidak menerima sebarang jawapan selepas 6 bulan dari tarikh iklan ditutup hendaklah menganggap permohonan mereka tidak berjaya.
7. Alamat Permohonan:
Permohonan hendaklah disampaikan kepada:
Ketua Pengarah
Jabatan Kemajuan Islam Malaysia
Bahagian Pentadbiran dan Kewangan, Aras 8, Blok D7, Kompleks D,
Pusat Pentadbiran Kerajaan Persekutuan
(u.p: Cawangan Sumber Manusia)
8. Tarikh tutup permohonan pada 15 Julai 2008.BORANG DISINI

Enjoy The Benefits Of Online Freelance Jobs
Do you want to be your own boss?, maybe you are tired of working for somebody else, well online freelance jobs is the solution for all these people who are looking for a new lifestyle. If you choose freelance jobs you will have the opportunity to set your own work schedule and enjoy more time with your family. There are several online freelance jobs available on the network market and these online freelance jobs range from the most simple jobs to those jobs that will allow you to quit your regular job. If you choose online freelance jobs then, you will experience a new life with a freedom you never thought possible. Starting to online freelance jobs is not as difficult as people think. The first thing that you need to do is to gather the correct information and materials. Obviously, your principal tool is going to be your computer since you will be working online. In addition, you will need to have a high speed Internet access, this high speed internet access is going to be very helpful in order to save time and to work more efficiently. Online freelance jobs are a new trend and the number of opportunities is growing day after day. You can find several different online freelance jobs available, including graphic design, SEO jobs, translation jobs, writing and copywriting jobs, website design, freelance photography, data entry jobs, etc, there are more and more, the online market is full of new work opportunities. You need to decide what type of freelance job is the best for you and then start your freelance research.
Article Source: http://EzineArticles.com/?expert=MariaLuisa_Ayuso

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Jawatan kosong sebagai Sales Person/Promoter Astro

28 Jun 2008
Job Info & Qualification
* Min SPM only
* With own transport
* with or without experience (training provided)
* Basic salary/commission/good incentive
* 15% EPF paid not just your salary but also your commission and your incentives

If you are eager to earn unlimited income and committed to yourself and your family pls email to me or call me.
email address: tai_sl@hotmail.com
contact no. 012-2981548 / 019-2110534

Can a Personal Bankruptcy Prevent You From Getting a Job?
Personal bankruptcy? Kiss your dream job good bye... For quite some time, it's been standard for financial, gaming and government employees to have their credit reports checked by their employers. After all, we don't want criminals working in the government (insert your favorite joke here). But now, the "Credit Police" are infiltrating other industries as well. And what really irks me is, they don't have the guts to just come out and say "We don't want people with bad credit working for us." No, instead they're using September 11th (911) and an increase in workplace violence as an excuse to check our credit reports. That's pretty low. Recently, pre-employment screening agencies have noticed a surge in requests for full background checks, which can investigate credit reports as well as criminal records, driving records, and employment and education history. Alert Staffing reports that about 50 to 70 percent of all companies currently review credit reports, which not only reveal bankruptcies but also liens, judgments, and loan and credit card payment history. Many companies simply believe that trustworthiness and creditworthiness go hand in hand. Personally, I think that's a crock! I know lots of rich people with high credit scores, who I wouldn't trust to watch Sparky, my pet goldfish, not to mention my money. On the other hand, I can list hundreds of people who've filed bankruptcy and have poor credit scores, who I'd trust my life with. However, most business owners believe how we handle things in our personal lives is a sign of how we would manage a company's assets. Employers want to know whether a potential employee will be a security risk, subject to bribery, and willing to give unauthorized individuals access to company information. In fact, a friend of mine who used to work at one of the national credit reporting agencies tells me they were always investigating their employees, because of the fear employees might take money to change credit reports. He tells me it was common to see people escorted out of the building by security after they were busted. The bottom line is that some employers believe that bad credit shows little responsibility and little regard for secrets. But, believe it or not, there's some good news in all this. First of all, the bankruptcy code (even after the recent changes to the law) prohibits employers from discriminating against applicants solely because of the bankruptcy. Also, job applicants and employees up for promotion are not obligated to tell a potential or current employer about their bankruptcy. So, what should you do when you apply for a new job after you've filed bankruptcy? I usually recommend two strategies: For jobs where you know your credit will be reviewed, be upfront and honest about your bankruptcy, and the circumstances that caused it. Honesty is a powerful tool for getting what you want after bankruptcy.If you're applying for a job that you aren't sure whether or not they will review your credit, make them love you first...then during the second or third interview explain what happened. Let's call this strategy "delayed candor." :-) We all know that bankruptcies aren't always caused by financial irresponsibility. Don't underestimate your potential employer's ability to understand your situation. In such a credit-conscious climate, one of your best weapons is to know your rights. While employers can legally terminate or deny a job or promotion to those with bad credit, Section 525 of the U.S. Bankruptcy Code prohibits discrimination based solely on bankruptcy. Furthermore, Sections 604, 606, and 615 of the Fair Credit Reporting Act require employers to follow a very specific set of rules in order to review your credit reports. First, they must notify you in writing that your credit may be used in the job evaluation and obtain your written authorization before pulling your credit reports. But remember, sometimes they'll "notify" you in the fine print! In other words, they'll "tell" you without really "telling" you—if you know what I mean. So make sure you always read the fine print on all those forms the human resources person hands you during the interview. Second, if your employer or potential employer sees something on your credit reports that may cause them to not hire you or fire you, they must send you a "pre-adverse action disclosure." (That sounds worse than a subpoena—doesn't it?) But the pre-adverse action disclosure is actually your friend. It gives you time and an opportunity to fix incorrect information on your credit reports. However, the burden is on you to act fast. If an employer fires you because of information on your credit reports, they must provide you with an "adverse action notice." The notice should contain contact information for the credit reporting agency supplying the report. It should also specify that you have the right to dispute the accuracy or completeness of any information the reporting agency furnished and request an additional free report within 60 days. OK, how do you prove if you were discriminated against because of a bankruptcy on your credit reports? Well, it ain't easy! The chances for successful legal recourse are better if the only negative item on your credit report is bankruptcy. Otherwise, it will be difficult for you to prove you have been discriminated against because of your bankruptcy and not your bad credit. The truth is, if an employer doesn't want to hire you because of the bankruptcy on your credit reports, then it's pretty easy for them to claim they didn't hire you for another reason. But if an employer offers you the job and then rescinds it, and the background check shows all high marks except the bankruptcy, your chances of mounting a successful case increase. Bottom line: If the ONLY negative item on your credit reports is a bankruptcy, you have a better chance of getting the job than you do if you have lots of other negative items on your credit reports. This is why it's so important to make sure you get copies of all three of your credit reports. Review them carefully and if there are any inaccurate, incomplete, misleading, unverifiable, or outdated items on your reports, get them taken off. I suggest you use an attorney who specializes in credit law. It costs a few dollars—but I think the end results are worth it. The law firm I used was a life saver.
Stephen Snyder

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