Abraham Firdaus Ghofur
Analis Pembiayaan/ Kredit LPDB KUMKM
Jakarta
Summary
Accomplished Credit Analyst with a proven track record at Bank Muamalat Indonesia, enhancing operational efficiency and credit decision accuracy. Expert in financial statement analysis and adept at fostering client relationships, consistently exceeding performance targets. Skilled in credit risk assessment and effective communication, achieving significant improvements in customer satisfaction and loan evaluation processes.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Credit Analyst
Lembaga Pengelola Dana Bergulir Koperasi Dan UMKM
08.2020 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Gathered loan documentation for underwriting.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Participated in loan committee meetings to provide input on lending processes.
- Achieved operational efficiency via continuous improvement initiatives focused on streamlining processes within the Credit Analysis department.
Sub Branch Manager
Bank Muamalat Indonesia
01.2014 - 12.2020
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Maintained friendly and professional customer interactions.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Engaged employees in business processes with positive motivational techniques.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
Credit Analyst
Bank Muamalat Indonesia
08.2012 - 01.2014
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Gathered loan documentation for underwriting.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
Education
Magister Ekonomi - Economics
Universitas Trisakti
Jakarta, Indonesia 04.2001 -
Sarjana Ekonomi - Accounting
Universitas Islam Negeri Syarif Hidayatullah Jakar
South Tangerang, Indonesia 04.2001 -
Skills
Credit Reporting
Credit analysis
Relationship Management
Credit risk
Financial statement analysis
Financial statement review
Cash Flow analysis
Debt structuring
Oral and written communications
Verbal and written communication
Credit decisions
Loan Evaluation
Certification
BSMR 1
Timeline
BSMR 1
08-2023
Credit Analyst
Lembaga Pengelola Dana Bergulir Koperasi Dan UMKM
08.2020 - Current
Sub Branch Manager
Bank Muamalat Indonesia
01.2014 - 12.2020
Credit Analyst
Bank Muamalat Indonesia
08.2012 - 01.2014
Magister Ekonomi - Economics
Universitas Trisakti
04.2001 -
Sarjana Ekonomi - Accounting
Universitas Islam Negeri Syarif Hidayatullah Jakar
04.2001 -