Irfan M.

Experience

• 

  Telkomsel

  Feb 2011 - Feb 2012

  Telkomsel Broadband Officer

  Provide knowledge and selling product. And survey the area which need development.

• 

  Commonwealth Bank Indonesia

  Apr 2013 - Dec 2018

  • Review and evaluate Credit Applications to meet the Bank Risk Appetite.• Calculate borrower repayment capacity.• Evaluating financial data and statements of clients.• Reviewing and updating credit limits and terms.• Performing cash flow analysis and risk assessment reports.• Ensure all applicants meet criteria.• Supporting credit committees and providing recommendations.• Asses and approve credit worthiness of lending proposal by performing analysis.• Accepting Scorecard/system Auto Approve decision. Show less • Review and evaluate Credit Applications to meet the Bank Risk Appetite.• Calculate borrower repayment capacity.• Evaluating financial data and statements of clients.• Reviewing and updating credit limits and terms.• Performing cash flow analysis and risk assessment reports.• Ensure all applicants meet criteria.• Supporting credit committees and providing recommendations.• Asses and approve credit worthiness of lending proposal by performing analysis.• Accepting Scorecard/system Auto Approve decision. Show less • Review and evaluate Credit Applications to meet the Bank Risk Appetite.• Calculate borrower repayment capacity.• Evaluating financial data and statements of clients.• Reviewing and updating credit limits and terms.• Performing cash flow analysis and risk assessment reports.• Ensure all applicants meet criteria.• Supporting credit committees and providing recommendations.• Asses and approve credit worthiness of lending proposal by performing analysis.• Accepting Scorecard/system Auto Approve decision. Show less

  • SME Credit Deal Underwriter

    Jul 2017 - Dec 2018

  • Assistant Manager Credit Underwriting Analyst Personal Loan

    May 2017 - Oct 2018

  • Assistant Manager Mortgage Credit Underwriting Analyst

    Apr 2014 - May 2017

  • Mortgage Management Academy

    Apr 2013 - Apr 2014
• 

  PT Bank Danamon Indonesia, Tbk.

  Jan 2019 - Feb 2020

  Mortgage Specialist

  • Assessing client’s financial situation.• Analyzing their credit score.• Determining the loan amount they can afford.• Advice client for the best product that suited the customer’s.

• 

  CIMB Niaga

  Mar 2020 - Apr 2021

  Mortgage Relationship Manager

  • Assessing client’s financial situation.• Analyzing their credit score.• Determining the loan amount they can afford.• Advice client for the best product that suited the customer’s.

• 

  Commonwealth Bank Indonesia

  Apr 2021 - Sept 2024

  • Conduct renewal process of credit facility for SME Debtor.• Obtain Application form and other supporting documents to proceed renewal process.• Calculate repayment capacity of the borrower.• Condut visit to debtor to present Debtor’s current condition.• Perform bank policies/ compliance / procedures and other requirements.• Providing assistance to customer for their lending facility.• Ensurse the process works in adherance with Bank’s policies & procedure. • Identify the opportunities from customers / prospective costumers according leads given by the business for growing in Secured Lending Business.• Follow up customer’s pending items, for example the completeness of documents related to the customer’s credit facility.• Perform bank policies/ compliance / procedures and other requirements.• Achieve lending targets both for SME & Mortgage that set by the bank management accordance with the program assigned by the business.

  • Account Management

    Jul 2022 - Sept 2024

  • Virtual Relationship Manager

    Apr 2021 - Jul 2022
• 

  Fairbanc

  Sept 2024 - now

  • Senior Relationship Manager

    Oct 2024 - now

  • Relationship Manager

    Sept 2024 - Feb 2025