Zulfikar A.

Experience

• 

  Prudential Indonesia (PT Prudential Life Assurance)

  Apr 2014 - Nov 2014

  Insurance Agent
• 

  PT BANK JTRUST INDONESIA Tbk.

  Dec 2014 - Aug 2019

  - Restructuring credit facilities to maintain bank position and maintain non-performing loans.- Prepare credit proposals, analyze financial statements, and make restructuring strategies and provide recommendations to the heads of the Remedial and Management divisions.- Examine and validate any collateral submitted to the bank and review the market value and liquidity value of the collateral.- Take over debtor assets and make sales without having to auction.- Make a visit to the debtor's place of business and check in detail the business development or problems that occur in the business.- Create an early warning system by identifying, monitoring and reporting Show less - Collect financial information (e.g. taxes, debts)- Evaluate creditworthiness and eligibility for obtaining a mortgage loan and Interview clients- Prepare and submit mortgage loan applications- Ensure data are in line with national and local financial rules- Monitor and report on application processes- Inform clients about loan approval or rejection- Help resolve problems with applications- Research new mortgage loan policies- Ensure compliance with privacy laws and confidentiality policies throughout the process Show less

  • Remedial Management & Credit Reposition

    Jul 2017 - Aug 2019

  • Relationships Manager

    Aug 2016 - Jul 2017

  • Morgatge Sales – Account Officer

    Dec 2014 - Aug 2016
• 

  KoinWorks - Lunaria Annua Teknologi

  Aug 2019 - Apr 2020

  Credit Analyst

  - Analyzing and evaluating the credit worthiness of prospective debtors and reviewing the scale of loans granted by taking into account aspects of crediting and credit risk.- Assess the credit worthiness of existing or prospective clients.- Check financial transactions and credit history on a case-by-case basis (applications, reports, balance sheets, legal documents, etc.)- Complete the ratio, trend and cash flow analyze and make projections.- Provides a multidimensional perspective on investment prospects in an easily accessible and informative way.- Providing recommendations related to credit risk analysis and assessment. Show less

• 

  PT JTrust Investments Indonesia

  Jul 2020 - Oct 2020

  Sub Manager Funding and Marketing
• 

  PermataBank

  Nov 2020 - now

  - Achieve a decrease in non-performing loans transferred to SAM.- Calculate the loss reserve (Loan Impairment) and monitor its implementation.- Monitoring the expenditure of costs on NPL settlement.- Monitoring payment transactions and other debtortransactions is carried out properly and correctly.- Prepare restructuring proposals, write of accounting proposals, lawyer fee proposals, and write of permanent proposals proper.- Monitoring accounts that have legal cases or are in the process of PKPU or bankruptcy.- Ensure that the restructuring process and restructured facilities are carried out in accordance with applicable regulations by related parties.- Provide data/inquiries required by internal and external audit teams (OJK).- Prepare reports and status of non-performing loandevelopments to management periodically.- Prepare and monitor auction documents and auction processes at KPKNL through the Private Auction.- Ensure that the process of transferring NPL accounts from business units to SAM runs according to applicable procedures.- Comply with regulatory regulations in the settlement of non-performing loans starting from determining the strategy tohandling NPLs is considered closure.- Hold "lesson learnt" sessions with related parties to prevent the same problem from happening again.- Report and escalate any events that have or have the potential to cause operational losses to the Bank so that immediate action can be taken.- Maintain performance and maintain a healthy company culture.- NPLs Monitoring accounts related to: ~ Payment; ~ DPD and Collectability; ~ Auction process through the private auction by KPKNL or District Court. ~ Administrative items; ~ Hand-over from BU to SAM ~ CDD, Insurance, Appraisal ~ Facility renewal and restructuring ~ Taking care police investigation and litigation actions together with Litigation Team ~ Minimize problem loan expense paid by Bank -insurance, appraisal Show less

  • Specialist Loan workout Commercial

    May 2024 - now

  • Specialist Loan Workout SME

    Nov 2020 - May 2024