Dheniz Fajar Akbar

Experience

• 

  PT Petrokimia Gresik

  Aug 2017 - Sept 2017

  Intern

  - Conducted research on the production of bioethanol from rice husk (a by-product of the plant’s production process).- Assisted in lab-scale trials and technical documentation for potential industrial application.

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  PT Petrokimia Gresik

  Feb 2018 - Apr 2018

  Intern

  - Researched and developed optimal raw material formulations for powdered herbal drink (sinom legen), focusing on vitamin C, antioxidant, and total phenolic content.- Conducted lab experiments and data analysis to support product development for commercial production.

• 

  PT Bank Central Asia Tbk (BCA)

  Sept 2018 - now

  - Manage a portfolio of corporate clients in palm oil refining, feedmill, and commodity trading sectors.- Structure tailored financing solutions including working capital loans, investment credit, and trade finance facilities.- Build and maintain long-term relationships with C-level stakeholders to identify growth opportunities and mitigate credit risks.- Perform in-depth credit analysis, covenant structuring, and loan monitoring for high-value exposures.- Collaborate cross-functionally with credit, legal, treasury, and operations teams to ensure seamless execution of facilities.- Lead business development initiatives to expand wallet share and cross-sell corporate banking products. Show less - Managed SME client portfolio across diverse industries, providing working capital and investment loan solutions.- Conducted end-to-end credit process: from financial analysis and site visits to proposal writing and credit presentation.- Achieved consistent portfolio growth through new client acquisition and deepening of existing relationships.- Provided strategic advisory to business owners on cash flow management and financing optimization.- Ensured portfolio quality by monitoring credit performance and conducting periodic reviews. Show less

  • Relationship Manager Corporate Banking

    Jul 2024 - now

  • SME Relationship Officer

    Sept 2018 - Jun 2024