Summary
Overview
Work History
Education
Skills
Interests
Timeline
Generic
Aditya Eka Tama

Aditya Eka Tama

Account Officer Commercial Banking
Kota Banjarmasin

Summary

Dynamic Commercial Banking Officer with proven expertise in loan design and risk management analysis at Bjb. Successfully increased loan portfolio through strategic relationship building and innovative problem-solving. Recognized for enhancing operational efficiency and achieving sales targets, while delivering exceptional client service and fostering team collaboration.

Commercial banking professional ready to drive impactful results. Proven ability to manage client portfolios and implement financial strategies. Strong focus on team collaboration and adaptability to market changes. Known for analytical skills and reliable decision-making.

Commercial banking professional with proven ability to drive financial growth and client satisfaction. Skilled in risk analysis, loan structuring, and relationship management. Strong focus on team collaboration and achieving results, adaptable to changing needs. Recognized for strategic thinking, analytical skills, and effective communication.

Experienced with financial analysis, client relationship management, and risk assessment. Utilizes strategic planning to optimize banking operations and drive growth. Track record of delivering customized financial solutions and maintaining regulatory compliance.

Successful Bank Executive talented at leading strong teams, increasing business, and maximizing profitability.


Overview

11
11
years of professional experience
2
2
Languages

Work History

Commercial Banking Officer

Bjb
10.2024 - Current
  • Analyzed and negotiated Product and Service and terms and conditions.
  • Performed other duties to support goals and objectives of relationship management teams.
  • Established an efficient process for monitoring collateral values ensuring adequate protection for the bank''s interests.
  • Negotiated favorable terms for clients while adhering to bank guidelines, ensuring mutually beneficial agreements.
  • Increased loan portfolio by establishing and maintaining strong relationships with clients and referral sources.
  • Structured and presented business cases for credit recommendation.
  • Developed customized banking solutions tailored to the unique needs of each business client.
  • Implemented risk management strategies that significantly reduced delinquency rates on commercial loans.
  • Coordinated efforts with branch managers to generate new leads through community outreach programs actively.
  • Built and maintained relationships with associates, customers and vendors.
  • Led initiatives to improve internal communication between departments, enhancing overall operational effectiveness.
  • Met with clients to generate new business and negotiate contracts.
  • Performed banking, business administration and financial tasks to guarantee five-star service for clients.
  • Analyzed business processes to identify cost savings and operational efficiencies.
  • Collaborated with credit analysts to evaluate loan applications, resulting in timely approvals and closings.

General Assistant

Bjb
10.2021 - 10.2024
  • Supported daily operations, ensuring smooth workflow and increasing overall productivity.
  • Enhanced customer satisfaction with timely response to inquiries and resolving issues promptly.
  • Responded to telephone, email and in-person customer inquiries.
  • Fostered a positive work environment through proactive problem-solving approaches.
  • Developed emergency evacuation plan to reduce confusion, injury, and property damage in event of active shooter or environmental emergency.
  • Improved team collaboration by facilitating open communication between colleagues and departments.
  • Ordered and secured office supplies to reduce expenditure and disruptions in workflow.
  • Supported customer service efforts when needed addressing concerns or requests professionally.
  • Executed administrative tasks to maintain accurate records, documentation, and data entry.
  • Ensured inventory management by maintaining accurate records of supplies, equipment purchases, and vendor negotiations.
  • Completed large photocopying and shredding jobs and reported faulty machinery and equipment to vendor.
  • Scheduled routine site maintenance and repair activities to avoid office disruptions.
  • Maintained confidentiality of sensitive information by following strict data protection policies consistently across all tasks performed as General Assistant.
  • Acted as a liaison between departments coordinating efforts towards common goals.
  • Assisted in meeting project deadlines by effectively managing multiple tasks and prioritizing workload.
  • Registered office visitors, issued temporary badges and directed to lobby waiting area.
  • Transferred telephone calls to appropriate staff members to expedite customer service.
  • Spearheaded new employee orientation for efficient onboarding process.
  • Collaborated with cross-functional teams to complete projects efficiently while adhering to quality standards.
  • Input data into spreadsheets and databases.
  • Monitored and tracked budgets and expenses.

Consumer Loan Officer

Bjb
05.2015 - 10.2021
  • Developed strong relationships with clients, resulting in increased repeat business and referrals.
  • Continuously updated knowledge on lending regulations, industry trends, and best practices to maintain a high level of expertise in the field.
  • Ensured accuracy of documents submitted for underwriting leading to reduced processing errors.
  • Collaborated with underwriters to expedite approvals for qualified applicants, increasing efficiency of the approval process.
  • Improved loan processing times by streamlining documentation and application procedures.
  • Achieved sales targets consistently, contributing to overall branch growth and profitability.
  • Increased customer satisfaction levels through prompt, accurate, and friendly service in the loan process.
  • Maintained compliance with federal regulations, ensuring proper documentation and adherence to guidelines throughout the loan process.
  • Enhanced team collaboration by providing guidance and support to junior loan officers.
  • Negotiated favorable terms for clients while maintaining alignment with bank policies resulting in mutually beneficial transactions.
  • Collaborated with other departments to promptly process loan applications.
  • Negotiated loan terms to provide favorable outcomes for both customers and lenders.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Identified opportunities to cross-sell and upsell loan products to customers.

Consumer Loan Officer

Panin Bank
12.2013 - 05.2015
  • Assisted customers in selecting appropriate loan products based on their financial needs and goals.
  • Reduced loan delinquency rates with thorough credit analysis and risk assessment for potential borrowers.
  • Facilitated clear communication between all parties involved in the loan transaction, minimizing potential issues or delays.
  • Monitored market trends to stay informed about new developments affecting consumer loans industry and adjust strategies accordingly.
  • Provided financial counseling to clients as part of the lending process, helping them understand their options and make well-informed decisions about borrowing money.
  • Reviewed credit reports thoroughly before making lending decisions, ensuring that all relevant information was considered when assessing risk levels associated with a specific borrower profile.
  • Implemented cross-selling strategies by promoting additional bank products during client interactions which led to increased revenues for the institution.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Developed strong relationships with customers through high levels of customer service.
  • Maintained strict confidentiality of bank records and client information.
  • Processed loan applications and monitored progress from start to finish.
  • Advised clients on mortgage, education and personal loans.
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Monitored pipelines to track and log status of loans.
  • Proactively identified solutions for customers experiencing credit issues.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Developed strong relationships with clients, resulting in increased repeat business and referrals.
  • Negotiated favorable terms for clients while maintaining alignment with bank policies resulting in mutually beneficial transactions.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Negotiated loan terms to provide favorable outcomes for both customers and lenders.
  • Collaborated with other departments to promptly process loan applications.

Education

Sarjana Komputer - Teknik Informatika

Universitas Islam Indonesia
Yogyakarta, Indonesia
04.2001 -

Skills

Loan design expertise

Interests

Sport

Reading

Music

Timeline

Commercial Banking Officer

Bjb
10.2024 - Current

General Assistant

Bjb
10.2021 - 10.2024

Consumer Loan Officer

Bjb
05.2015 - 10.2021

Consumer Loan Officer

Panin Bank
12.2013 - 05.2015

Sarjana Komputer - Teknik Informatika

Universitas Islam Indonesia
04.2001 -

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Aditya Eka TamaAccount Officer Commercial Banking