Summary
Overview
Work History
Education
Skills
Languages
Timeline
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DEVI HERMAN TUWONGKESONG

DEVI HERMAN TUWONGKESONG

Manado-North Sulawesi

Summary

Dynamic Account Executive Loan Officer with a proven track record at PT. BANK DANAMON INDONESIA,TBK, excelling in loan structuring and relationship building. Consistently surpassed sales targets while enhancing customer satisfaction through tailored financial solutions. A collaborative team player dedicated to optimizing portfolio management and credit assessment for first-time homebuyers.

Experienced with loan portfolio management, client relationships, and risk assessment. Utilizes strategic financial solutions to streamline loan processes and enhance client satisfaction. Knowledge of effective communication and teamwork to support organizational goals.

Overview

15
15
years of professional experience

Work History

Account Executive Loan Officer

PT.SAMPOERNA FINANCIAL GROUP-KSP SAHABAT MITRA SEJATI
08.2024 - Current
  • Mentored junior colleagues in sales techniques and product knowledge, fostering a collaborative team environment focused on success.
  • Achieved and consistently exceeded monthly sales targets, contributing to the overall success of the team and company.
  • Educated first-time homebuyers about the mortgage process, guiding them step-by-step from pre-qualification through closing.
  • Developed comprehensive knowledge of various loan programs, allowing for better service to customers and expedited processing times.
  • Established trust with clients by maintaining open lines of communication, providing regular updates on the progress of their loan application.
  • Created customized presentations showcasing loan products for potential clients during meetings or seminars.
  • Maintained strong relationships with current clients, leading to increased referral business and revenue growth.
  • Negotiated favorable terms with lenders on behalf of clients, resulting in better interest rates and lower closing costs.
  • Generated new business opportunities through networking, referrals, and marketing initiatives.
  • Assisted clients in navigating complex financial scenarios by offering expert guidance on available loan options.

SENIOR ACCOUNT OFFICER

PT. BANK SAHABAT SAMPOERNA
11.2023 - 08.2024
  • Identified and investigated variances to optimize financial plans and forecasts.
  • Set up and improved accounting systems and processes to meet business needs and maximize operational success.
  • Enhanced financial accuracy by streamlining accounting processes and implementing internal controls.
  • Tracked financial progress by creating quarterly and yearly balance sheets.
  • Mentored junior team members in accounting best practices, fostering a culture of continuous improvement within the department.

Account Executive Loan Officer

PT. SAMPOERNA FINANCIAL GROUP-KSP SAHABAT MITRA SEJATI
11.2021 - 09.2023
  • Mentored junior colleagues in sales techniques and product knowledge, fostering a collaborative team environment focused on success.
  • Achieved and consistently exceeded monthly sales targets, contributing to the overall success of the team and company.
  • Educated first-time homebuyers about the mortgage process, guiding them step-by-step from pre-qualification through closing.
  • Developed comprehensive knowledge of various loan programs, allowing for better service to customers and expedited processing times.
  • Established trust with clients by maintaining open lines of communication, providing regular updates on the progress of their loan application.
  • Created customized presentations showcasing loan products for potential clients during meetings or seminars.
  • Maintained strong relationships with current clients, leading to increased referral business and revenue growth.
  • Negotiated favorable terms with lenders on behalf of clients, resulting in better interest rates and lower closing costs.

Branch Manager

PT.SAMPOERNA FINANCIAL GROUP-KSP SAHABAT MITRA SEJATI
01.2019 - 10.2021
  • Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
  • Maintained friendly and professional customer interactions.
  • Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
  • Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
  • Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
  • Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
  • Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
  • Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
  • Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
  • Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
  • Reduced employee turnover by fostering a positive work environment and offering competitive compensation packages.
  • Examined customer loan applications for loan approvals and denials.
  • Complied with regulatory guidelines and requirements.

Field Collector

PT.BANK DANAMON INDONESIA,TBK
05.2018 - 12.2018
  • Maintained accurate records of all collection activities, ensuring compliance with company policies and regulations.
  • Assisted in training new field collectors on company policies, procedures, and best practices for optimal performance results.
  • Enhanced department productivity by implementing new field collector strategies and techniques.
  • Established rapport with clients through respectful communication, facilitating successful negotiations for overdue balances.

Branch Manager

PT.BANK DANAMON INDONESIA,TBK
10.2017 - 05.2018
  • Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
  • Maintained friendly and professional customer interactions.
  • Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
  • Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
  • Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
  • Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
  • Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
  • Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
  • Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
  • Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
  • Reduced employee turnover by fostering a positive work environment and offering competitive compensation packages.
  • Examined customer loan applications for loan approvals and denials.
  • Complied with regulatory guidelines and requirements.

Branch Manager

PT.BANK DANAMON INDONESIA,TBK
05.2015 - 10.2017
  • Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
  • Maintained friendly and professional customer interactions.
  • Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
  • Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
  • Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
  • Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
  • Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
  • Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
  • Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
  • Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
  • Reduced employee turnover by fostering a positive work environment and offering competitive compensation packages.
  • Examined customer loan applications for loan approvals and denials.
  • Complied with regulatory guidelines and requirements.

Credit Officer

PT.BANK DANAMON INDONESIA,TBK
05.2013 - 03.2015
  • Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
  • Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements

Account Executive Loan Officer

PT. BANK DANAMON INDONESIA,TBK
03.2011 - 05.2013
  • Collaborated with underwriters and processors to expedite the approval process for mortgage applications.
  • Actively participated in local community events as a representative of the company, building brand awareness and generating leads.
  • Conducted thorough market analyses to stay informed on industry trends and provide accurate advice to customers.
  • Managed a diverse portfolio of clients, ensuring optimal loan products were offered and delivered efficiently.
  • Enhanced customer satisfaction by providing personalized financial solutions tailored to individual needs.
  • Proactively identified potential issues within client''s applications, working closely with them to address concerns promptly before submission.
  • Evaluated credit histories and financial statements to determine eligibility for loans, ensuring responsible lending practices.

Education

Bachelor of Arts - English Literature

SAM RATULANGI UNIVERSITY
MANADO,INDONESIA
08-2010

Skills

  • Loan structuring
  • Portfolio management
  • Performance tracking
  • Industry awareness
  • Credit assessment
  • Team player
  • Friendly
  • Relationship building and management
  • Credit analysis
  • Loans
  • Sales expertise
  • Mortgage lending

Languages

English
Full Professional

Timeline

Account Executive Loan Officer

PT.SAMPOERNA FINANCIAL GROUP-KSP SAHABAT MITRA SEJATI
08.2024 - Current

SENIOR ACCOUNT OFFICER

PT. BANK SAHABAT SAMPOERNA
11.2023 - 08.2024

Account Executive Loan Officer

PT. SAMPOERNA FINANCIAL GROUP-KSP SAHABAT MITRA SEJATI
11.2021 - 09.2023

Branch Manager

PT.SAMPOERNA FINANCIAL GROUP-KSP SAHABAT MITRA SEJATI
01.2019 - 10.2021

Field Collector

PT.BANK DANAMON INDONESIA,TBK
05.2018 - 12.2018

Branch Manager

PT.BANK DANAMON INDONESIA,TBK
10.2017 - 05.2018

Branch Manager

PT.BANK DANAMON INDONESIA,TBK
05.2015 - 10.2017

Credit Officer

PT.BANK DANAMON INDONESIA,TBK
05.2013 - 03.2015

Account Executive Loan Officer

PT. BANK DANAMON INDONESIA,TBK
03.2011 - 05.2013

Bachelor of Arts - English Literature

SAM RATULANGI UNIVERSITY

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DEVI HERMAN TUWONGKESONG