Agus Kurniawan
Banjarmasin
Overview
15
15
years of professional experience
1
1
Certification
Work History
Team Leader Marketing Funding
PT BANK MEGA, Tbk
01.2010 - 04.2011
- Responsible for increasing the Branch Portfolio within the scope of Fresh Fund, fee & Spread based
- Responsible for maintaining relationships with existing customers
- Managing Marketing Funding Team for targets set by Company Management
- Mapping of funding potential in the local area
- Cross selling potential of other business segments.
Senior Credit Underwriting / Pemegang Limit Individu (Loan Decision) - Assistant Manager
PT BANK CIMB Niaga, Tbk
06.2016 - 11.2023
- Underwriting Reviewer and Loan Decision for KPR East area with SOP, Integrity & Accountability Guidelines (Authority up to 1 billion)
- Collaborate with related business units on each KPR proposal that will be decided
- Contribute to the underwriting policies development and regular report of underwriting performances
- Make credit decisions independently according to provisions
- Maintaining the quality of credit that has been decided, namely Optimal Decision to create good Customer Centricity
- Managing the team related to developing work quality, updating regulations and business issues and others
- Process optimization for effectiveness and efficiency of the underwriting process
- Reporting & Feed Back to stakeholders on Final Decision.
Credit Investigation, analysis & Support
PT BANK CIMB Niaga, Tbk
07.2011 - 05.2016
- Carrying out investigations, financial analysis & appraisal of KPR and Working Capital Credit (Small Medium Enterprise) branch processing needs
- Prepare and carry out Credit Signing after the Credit decision is received
- Daily reporting of the process carried out
- Increase knowledge of issues and business growth over time
- Play an active role in every project assigned by Management related to improving the Quality of Credit Evaluation (5C)
- Collaborate with related business units to grow the Branch Portfolio.
Credit Factory - Staff
PT BANK CIMB Niaga, Tbk
05.2016 - 02.2018
- Underwriter 5C (Character, Capacity, Collateral, Capital & Condition) for the KPR (Consumer Banking) Credit process
- The assignment area covers the East region (Kalimantan, Sulawesi, Central Java, East Java to Bali)
- Collect credit data in the System (Retail System) and evaluate proposals from Business Units that have been entered
- Review the customer's payment capacity which is analyzed both from financial statements and liquidity ratios
- Provide recommendations for each KPR proposal for decision
- Carry out credit evaluations according to the TAT (Turn Around Time) determined by Company Management
- Collaborate with the CIAP (Credit Infrastructure Policy) work unit to create process rules according to Internal Regulations & Provisions.
Secured Credit Underwriting - Officer
PT BANK CIMB Niaga, Tbk
03.2018 - 06.2023
- Presenting and translating 5C to individual limit holders (Loan Decision) from data/documents presented in the System
- Presenting and translating the 5Cs to individual limit holders (Loan Decision)
- The assignment area covers the East region (Kalimantan, Sulawesi, Central Java, East Java to Bali)
- PIC (Person in Charge) in conducting tests on the latest provisions that will be implemented into the system
- Loan decision role model for a decision to be made
- Carry out credit evaluations according to the TAT (Turn Around Time) determined by Management.
Back Office
PT BANK MEGA, Tbk
05.2009 - 06.2011
- Branch operational transaction processes - Placement Time Deposit, moving internal transaction books and others
- Person in Charge (PIC) ATM - Monitoring, reflenishing and maintenance of ATM
- Loan Operation - Disbursement process for credit disbursement and payment transactions to 3rd parties related to credit
- Daily, weekly and monthly work activity reports
- Collaboration with Frontliners (Customer Service, Teller), General Affair (G.A), Marketing Funding/Credit and others related to Operations.
Education
Bachelor of Economics - Management, Marketing Concentration
Lambung Mangkurat University
01.2018
Senior High School - Social Science
SMAN 5
South Borneo01.2014
Skills
- Flexible and Adaptable
- Remote Office Availability
- Task Prioritization
- Problem Resolution
- Problem-Solving
- Social Perceptiveness
- Analytical and Critical Thinking
- Microsoft Office
- Teamwork and Collaboration
Accomplishments
- Achieved Marketing Funding by introducing competency for achievement tasks.
- Achieved great review and decision of mortgage proposal by completing Analyzing skill with accuracy and efficiency
Certification
- Signature Verification Credit
- Business Credit Interview
- Public Workshop Creative Power Point
- Role Of Legal In Mortgage Product
- Analyzing Consumer Credit Self Employee
- Solving The Problem
- Anti Fraud Management
- Jaminan dan Pengikatan Jaminan
- Credit Underwriting Clinic
- BMPK Expert Championship
- Basic Syaria Banking Program
- The Bonds Challenge
- Consumer Credit Risk - Internal Certification Program
- BSMR Fase 1
- Basic CCU - Certification
- Refreshment Manajemen Resiko
- Intermediate & Advance Credit - Certification
- Pendidikan Dasar Penilai 1 Certification - MAPPI
Personal Information
- Place of Birth: Banjarmasin
- Date of Birth: 08/21/86
Gaming
Hobby at home
Languages
English
Elementary (A2)
Indonesian
Bilingual or Proficient (C2)
Timeline
Secured Credit Underwriting - Officer
PT BANK CIMB Niaga, Tbk
03.2018 - 06.2023
Senior Credit Underwriting / Pemegang Limit Individu (Loan Decision) - Assistant Manager
PT BANK CIMB Niaga, Tbk
06.2016 - 11.2023
Credit Factory - Staff
PT BANK CIMB Niaga, Tbk
05.2016 - 02.2018
Credit Investigation, analysis & Support
PT BANK CIMB Niaga, Tbk
07.2011 - 05.2016
Team Leader Marketing Funding
PT BANK MEGA, Tbk
01.2010 - 04.2011
Back Office
PT BANK MEGA, Tbk
05.2009 - 06.2011
Bachelor of Economics - Management, Marketing Concentration
Lambung Mangkurat University
Senior High School - Social Science
SMAN 5
Similar Profiles
Anik SeptafiningrumAnik Septafiningrum
Customer Service Officer at PT Bank Mega, Tbk.Customer Service Officer at PT Bank Mega, Tbk.
Nadella Virzin MileniaNadella Virzin Milenia
Contract at PT Bank Mega TBKContract at PT Bank Mega TBK
Hendry BoenHendry Boen
Mortgage Loan Center Manager at PT. Bank China Construction Bank Indonesia, TbkMortgage Loan Center Manager at PT. Bank China Construction Bank Indonesia, Tbk
Henny YuniastriHenny Yuniastri
Fixed Income Trader at PT. Bank Permata, TbkFixed Income Trader at PT. Bank Permata, Tbk
Muhammad YandiMuhammad Yandi
District Sales Manager at PT. Gonusa Prima DistribusiDistrict Sales Manager at PT. Gonusa Prima Distribusi