Hands-on Experienced in Business, Risk Management & Credit Fields

End to end process of credit approval covering:• Managing a team of 2 credit analysts for SME, Commercial and Corporate credit segment• Assessment of credit worthiness and recommendation in accordance with internal and external policy including financial • Executive summary preparation• Presentation to credit committee• Managing and controlling incoming proposal to ensure meeting agreed service levelCurrent Project: • In charge of end to end system development of credit flow (registration, processing of credit review, credit decision and approval sheet)

End to end process of credit approval covering:• Management of a team of 4 credit analysts in Multi finance Company financing, Cooperative, SME and Implant Banking scheme • Assessment of credit worthiness and recommendation in accordance with internal and external policy including financial and vintage analysis.• Executive summary preparation• Presentation to credit committee• Monitoring policy compliance and providing market updates to Credit Risk Management on regular basis• Monitoring performance of existing credit portfolio • Managing and controlling incoming proposal to ensure meeting agreed service levelSelected Accomplishments:• Improvement on Multi Finance Credit Scoring System through the use of excel programming • Standardized and more comprehensive reviewing process • More efficient and clear review format • Improved service level to five working days.

End to end process of credit process covering:• Direct site visit for non-fixed income applicant with amount proposed above IDR 2 billion• Validation of data completeness and genuineness• Assess collateral acceptance criteria• Evaluation of customer source of repayment and payment capacity• Signing credit agreement• Monitoring credit disbursement.Selected Accomplishments:• Improved and standardized credit application registry, Inventory monitoring, and report • Improved service level to three working days.• Re-engineering a more efficient and effective credit flow process

Ensuring the completeness and genuineness of credit application and related data in accordance to BDI internal regulation, initial evaluation of credit acceptance criteria, external and internal credit checking, banking statement and financial statement analysis, evaluation of collateral acceptance and preparing credit report/ memo review, process the data through Loan Originated System Program. Selected Accomplishments:Improved quick/ initial credit acceptance process from fully manual calculation to semi-automated calculation through the utilization of Microsoft Excel Program to provide a more accurate and reliable analysis. Improved credit approval rate of average 80% and output from average of seven to ten credit applications within one day service level.

• Maintaining existing debtors and depositors as well as develop new customers/ businesses• Credit proposal preparation including preparing spreadsheet, presentation to credit committee and ensuring the smoothness of the loan disbursement.• Daily monitoring on customers loan and account activities as well as assisting customer with their banking needs. • Monitoring account’s delinquency. • Providing customer information with regards the new product offer Selected Accomplishments: Maintaining 90 existing accounts comprising individual and non individual customers in various sectors including trading, manufacturers, service operators and general suppliers with total credit exposure IDR 120 billion. Grows fee-base income businesses from existing customer including cash management products, document negotiation, Letter of Credit opening, and Bank guarantees.  Disbursing additional loans of IDR 40 billion in working capital loan from existing customers within 3 months (October – December 2004)

Maintaining existing foreign customer as well as developing new customer networks, Ensuring timely delivery and payment, and monitoring production allocation executed in a timely manner.Selected Accomplishments:• Penetrating and generating considerable new fresh deals from market such as South Africa, Netherlands and Turkey.• Increasing business volume and in dollars term reaching IDR 20.000 millions in one month period for Turkey’s market alone