I began my career as an employee at ANK Bank in the Giro unit, with my main job being to verify the authenticity of incoming checks/giros, inputting BG/Checks into customer accounts. Later, in 1994, I worked in Margin Trading as a Dealer until that unit was closed. Then, in 1995, I started working as an Account Officer, specifically handling Lending.In 2005, I had the opportunity to further my career at Bank Ekonomi as an Account Officer handling Funding and Lending.In 2007, I had the chance to work as a Credit Analyst at Bank Mega. One of my job descriptions was to interview credit applicants (regarding their purpose, business, finances, collateral, etc.), verify and validate the accuracy of information/data/documents provided by the applicants to the Account Officer, including financial and business aspects.In 2010, I was offered a position as a Deal Underwriter (DUW). DUWs are responsible for verifying and validating proposals submitted by Account Officers to Credit Analysts (including business analysis, financial statement analysis, bank statement analysis, trade checking, 5C analysis, etc.), and inputting credit scoring for applicants into the system. Since 2012, I served as a TL DUW, overseeing more than 10 DUWs, before participating in the Early Retirement Program in 2019.In early 2020, I had the opportunity to work as a Credit Analyst Section Head, overseeing Credit Analyst Officers at Bank Sinarmas until my retirement in March 2023.