Experience

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  Pt bank danamon indonesia, tbk.

  Jan 1996 - Jan 2000

  Operations manager

  Responsibility for banking daily transaction, routine report to Central Bank and Management.

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  Pt bank danamon indonesia, tbk.

  Jan 2001 - Jan 2005

  Asses the credit proposal with necessary documents from Branches and Account Officer to calculate the credit risk of the customer with his business and decide or recommended to approve or not or approve with covenant . Maintain existing SME debtors, Find and Achieve Lending Target has given...by propect, built a credit proposal to be asses by Approval Committe. If it approve prepare the Legal process with the Notaris team. Then gathered the all documents to be store by Loan Admin. So for next... company the debtors with his or her business also his or her routine payment.

  • Credit Risk Analyst

    Jan 2003 - Jan 2005

  • Account Officer

    Jan 2001 - Jan 2003
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  Dsp cmm bank danamon

  Mar 2005 - Dec 2005

  Unit manager

  Make sure Our Business Unit Profit by Achieve the Loan Market Target, Maintain the Quality of Debt, Efficiency in Operational Expense, Building Team - Engage and Motivate the Team to working together.

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  Pt bank sinarmas

  Oct 2006 - Oct 2008

  Operational manager

  Make sure that Operational in Our bank running well; Cash Flow Management for Branch Transaction and ATM (IDR and USD), Open and Close Product; Saving, Current and Deposito, also maintaining the efficiency of Operational Expense, Transferring to and from Others bank, Accounting, GA, HRD, Credit Admin, etc.

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  Pt bank tabungan pensiunan nasional tbk

  Jan 2009 - Jan 2014

  Area daya specialist (fascilitator) ads manado area

  In 2009 - 2012 the Company using Area C2G (Capacity to Grow) Specialist - ACS, began 2013 changed to ADS ; Area Daya Specialist.

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  Sekolah tinggi ekonomi eben haezar manado

  Feb 2009 - Dec 2009

  Dosen akuntansi

  Teaching several subjects ; Intermediate Accounting, Budgeting, Auditing, Business Math.

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  Btpn mur bank

  Dec 2009 - Jan 2014

  Area daya specialist

  As a Facilitator I share my knowledge in entrepreneurship in several modules to Our Customer, discussing and coaching them about their business like as; Business Financial, Family Financial, Increasing Sales, Having a Unique Value, Getting more Customer, Way to get Employee Loyalty, Inventory Management, Business Dream and Business Plan, Business Adaptation, etc.

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  Pt bank tabungan pensiunan nasional tbk

  Jul 2015 - Nov 2017

  Senior relationship manager

  Build a strong relationship with Existing & New partners such as Gov Vertical Institution like BKN, Kanwil Agama also Education Institute; Politeknik,IAIN and local Gov ; PemKot/Pemkab wih their Keyperson about Provide a Consumer Loan with DAYA Training as supporting them how to using the Fund wisely...focusing to Productive Objective. Prospect, Provide Proposal, Discussing Legal aspects & arrange the MOU to be Signed. Be a partner to supporting Partners Evens as a declaration statement as the bank of the Institution. Show less

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  Pt. bpr dana raya

  Jun 2018 - now

  Kepala departemen analisa risiko kredit produktif

  Responsible for setting up the verification and analysis of credit proposals with a proposed ceiling of up to IDR 20 billion for productive credit, both direct financing and through Syndicated Credit and also through the Fintech Platform. Recommend to the Credit Committee credit proposals that are Proper & Qualified to getting bank financing by taking the consideration of risk aspects and compliance with banking regulations in addition to the profit margin that is previously calculated, making a ratio analysis of the Company's Financial Report: Balance Sheet, Income Statement Report. Working Capital and Investment Loans analyzed and recommended for financing are for various industrial sectors such as mining, oil and gas, consumer goods, solar electricity providers, construction providers, telecommunication electrical networks, etc. Show less