Antoni Raharjo

Experience

• 

  PT. BANK NEGARA INDONESIA (Persero) Tbk.

  Mar 2010 - Feb 2011

  ODP
• 

  PT. BANK NEGARA INDONESIA (Persero) Tbk.

  May 2011 - May 2017

  • Supervise direct and active participation in marketing their products, Carry out the business of marketing activities in order to achieve the target .• Manage the application process and the activity of credit analysis, managing relationships with customers / debtors to verify the data/ information on debtors.• Monitor the development of the information about the risks of an industry, the market and competition in order to mitigate the risks that may arise.• Ensure compliance with policies / regulations which apply to the credit relationship manager.• Carry out functions as a proposer of credit in accordance with the authority and policies / procedures applicable credits.• Maintain the quality of the loan portfolio under management and managed clients seek fixed Performing Loan.• Follow up on the results of the audit (internal and external ) in accordance with the plan / improvement suggestions given by the auditor , related to the functions and responsibilities of the unit. Show less • Supervise direct and active participation in marketing their products and services to the customer and prospective customers.• Develop a business plan marketing team, preparation of goals and activities of product marketing and monitoring realization program and work plan marketing team, both of funding and lending (commercial and consumer credit).• Coordinate the entire activities data analysis process and the verification of commercial and consumer portofolio, credit application proposes until indicated to the credit approval officer.• Monitoring and keeping good credit and collectable commercial and consumer portfolio.• Checking completeness and truth application data, perform local visit, check out the findings of the feasibility analysis of credit.• Make a monitoring plan and schedule visits to the debtors indicated NPL with collection team.• Follow up on the results of the audit (internal and external ) in accordance with the plan / improvement suggestions given by the auditor , related to the functions and responsibilities of the unit. Show less • To manage and enhance the existing commercial portfolio and solicit acceptable new relationships in order to meet the pre-set financial non-financial objectives.• Establish new borrowing relationships for Business Banking (Commercial), preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share.• Spread and analyse financial statements, preparation of credit application, documentation & post-sanction monitoring through periodic account review/renewal.• Manage the existing loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with Bank credit policy to maximize earnings while containing risks to an acceptable levels.• Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities.• Implement and maintain complete control aspects i.e. financial analysis of statements of accounts, documentation, periodical client visits call reports. Show less

  • Relationship Manager Supervisor

    Apr 2016 - May 2017

  • Marketing and Business Supervisor

    Mar 2014 - Apr 2016

  • Relationship Manager

    May 2011 - Mar 2014
• 

  Entrepreneur

  Aug 2017 - now

  Business Owner