Ms Word, Ms Excel, Ms Powerpoint
DANIEL RAMOS FEBRIC HUTAGAOL
COMMERCIAL BANKING RELATIONSHIP MANAGER
SURABAYA
Summary
Experienced commercial banking professional with a track record of delivering impactful performance. Skilled in client relationship management, credit analysis, and financial advisory. Strong focus on team collaboration and achieving results. Reliable and adaptable to changing needs. Known for analytical thinking, problem-solving, and effective communication. Deep knowledge of financial products and market trends to provide strategic solutions. Proven success in negotiating complex deals and driving business growth.
Overview
14
14
years of professional experience
2025
2025
years of post-secondary education
14
14
Certifications
2
2
Languages
Work History
Commercial Banking Relationship Manager
BNI
12.2019 - Current
- Manage a portfolio of 15 clients with a total credit portfolio exceeding IDR 350 billion, providing customized business solutions, risk management, and estate planning services in ranging IDR 15 - 150 billion per client
- Achieved a 10% year-on-year growth in credit portfolio through a strategic approach to client acquisition from another bank, develop portfolios across existing client, and maintain portfolio credit
- Developed and implemented a client acquisition strategy resulting in 4 new clients in 2023, contributing over IDR 100 billion in new credit portfolio
- Collaborate with internal teams (business analyst, credit risk manager, and legal experts) to ensure clients receive business solution and management services
- Consistently maintained a client retention rate of 90% through proactive communication, regular portfolio reviews, and personalized client service
Relationship Manager Credit Analyst
BNI
04.2018 - 12.2019
- Pairing and partnership with Senior Relationship Manager (we called it SRM) to managed a portfolio of 13 clients, focusing on analysing credit process, grow business and financial solutions, including cash management and investment strategies
- Assisted SRM with analysing data to present in credit committee and give structured products for client
- Conducted in-depth market analysis and provided data for SRM to strategic investment advice aligned with client's risk tolerance
Supervisor Small dan Retail Business Banking
BNI
09.2017 - 04.2018
- Manage people to achieve target of small and retail business banking in ranging IDR 1 - 15 billion per client
- Supported Branch Manager in managing credit portfolios by preparing data reports, conducting market research, and analysing portfolio performance
- Developed client presentations detailing before credit committee
- Contributed to relationship management efforts by ensuring smooth client communication and resolving queries in a timely manner
Small dan Retail Business Banking Marketing
BNI
03.2016 - 09.2017
- Manage portfolio of 50 client with total credit portfolio over IDR 75 billion with small segment in ranging IDR 1 - 15 billion per client
- Developed client credit portfolio and give advice to retailer client to maintain their business
- Contributed to relationship with client to ensure that client make BNI as transaction bank for all transaction
- Achieve the best marketing at BNI Manado in 2016
Small Credit Analyst
BNI
06.2011 - 03.2016
- Responsible for assessing and evaluating creditworthiness of individuals and small businesses applying for loans within the small credit segment in ranging IDR 1 - 15 billion per client
- Review financial statements, cash flow, and other financial data to evaluate the applicant's creditworthiness
- Perform both qualitative and quantitative analysis of applicants, including business performance, industry trends, and repayment capacity
- Identify potential risks associated with each loan application and recommend appropriate risk mitigation strategies
Education
Magister Manajemen (S2) - Marketing
on going
Sarjana (S1) Teknik - Architecture
Skills
Commercial lending
Certification
Small Credit Enhancement Program, BNI, 01/01/13
Software
Timeline
Commercial Banking Relationship Manager - BNI
12.2019 - Current
Relationship Manager Credit Analyst - BNI
04.2018 - 12.2019
Supervisor Small dan Retail Business Banking - BNI
09.2017 - 04.2018
Small dan Retail Business Banking Marketing - BNI
03.2016 - 09.2017
Small Credit Analyst - BNI
06.2011 - 03.2016
Institut Teknologi Sepuluh November Surabaya - Sarjana (S1) Teknik, Architecture
Small Credit Enhancement Program, BNI, 01/01/13
Legal Risk Awareness For Credit, BNI, 01/01/14
Risk Management Certification Level 1, BNI, 01/01/14
Coursware Anti Pencucian Uang, BNI, 01/01/15
Industri Perhotelan dan Perkebunan Sawit, BNI, 01/01/15
Uji Kompetensi Perkreditan Bisnis Banking, BNI, 01/01/15
Courseware eLearning Omega Performance, Omega, 01/01/16
Legal Risk Awareness For Funding and Lending, BNI, 01/01/16
Total Solution Selling, BNI, 01/01/16
Antifraud Awareness, BNI, 01/01/17
Brevet Kredit Komersial : Credit Application Package, BNI, 01/01/18
Trade Finance, Solusi Lindung Nilai, Ketentuan Forex & Derivative Lines, BNI, 01/01/21
Refreshment Loan at Risk, BNI, 01/01/21
Sertifikasi Manajemen Risiko JK 5
Universitas Hassanudin Makassar - Magister Manajemen (S2), Marketing
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