About
About Us
XenLink Advisory was founded on a simple truth: most loan rejections are not an outright “No” – they are just a “Not in this form.”
In Malaysia’s complex credit environment, approval depends on more than just headline income. Every bank applies its own:
Internal Risk Appetite
Assessment Frameworks
Credit Policy Priorities
What one bank declines, another may accept – provided your profile is properly structured and aligned with the right criteria. We exist to bring clarity, structure, and discipline to your loan approval process.
Our Approval-First Approach
Strategic Positioning: We look beyond surface-level CCRIS/CTOS to analyze credit behavior and affordability metrics that bank committees prioritize.
Profile Restructuring: We resolve gaps in income structures and DSR calculations before any submission is considered.
Preventative Advisory: We do not operate as a volume-driven service; our role is to ensure your profile is bank-ready and protected from unnecessary rejections.
The XenLink Edge: Strategic Differentiation
↬
Total Institutional Independence: Unlike bank-tied agents, XenLink Advisory operates as a 100% independent credit advisory. We serve the client, not the lender, ensuring objective strategy without product bias.
↬
Bank-Aligned Credit Engineering: We don’t just “submit” applications; we engineer them. By translating your financial data into the specific language of bank credit committees, we mitigate risks before they reach the underwriter.
↬
Outcome-Oriented Advisory: We focus on structural readiness over volume. Every engagement is a disciplined process of analysis, assessment, and alignment designed to protect your credit reputation and secure long-term approval.
Meet the team
Behind XenLink Advisory is a focused team of professionals with hands-on experience in banking, credit assessment, and mortgage structuring. We work closely with Bankers, Lawyers, Lenders and Real Estate Professionals to ensure every case is handled with care, accuracy, and accountability. Our team is committed to long-term relationships, not one-off transactions — because trust and results go hand in hand.
Jack Tew
Partner, Head of Credit Restructuring
As Practice Lead for Credit Restructuring, Jack is responsible for corporate financing solutions for our clients. On a day-to-day basis, he also actively seeks to connect active investors to businesses seeking Private Funding options.
Before this, Jack was an experienced Recruiter for the Renewable Energy Practice in various Multinational Recruitment Agencies
Accolades:
Double's Bachelor's in Business & Marketing (Hons), Northumbria University
Chloe Low
Partner, Head of Mortgage
Chloe oversees mortgage and financing execution at XenLink Advisory, managing the end-to-end process for housing and SME loan applications. She is responsible for ensuring each case is structured, documented, and presented effectively to financial institutions.
Handling over 100 client cases annually, Chloe works closely with lenders to secure approvals efficiently. As a Partner, she also supports clients with broader financial planning, helping align financing solutions with long-term goals.
Accolades:
Bachelor's of Business Administration (BBA), Northwood University
Theresa Chan
General Counsel
As General Counsel, Theresa is responsible for ensuring the services and legal framework XenLink offers are in total compliance with Malaysian & International standards.
She developed her experience having spent over 4 years working in various multi-national law firms in Singapore where she had extensive experience in Compliance & Regulatory Frameworks
Accolades:
Bachelor's of Laws (LLB), University of Essex
