Summary
Overview
Work History
Education
Skills
Additional Information
Timeline
Hi, I’m

DODHY FERNANDO GINTING

Bussines Loan Credit Analyst
Bandung,JB
DODHY FERNANDO GINTING

Summary

Experienced Credit Analyst combining strong IT and educational background and applying professional experience and expertise in credit analysis, risk evaluation, and marketing. Strengthened portfolio performance with an annual increase of 15% while achieving 100% performances of loans. Proficient in analyzing credit portfolios, designing complex credit models, and creating credit risk management solutions. Applying for position as a Credit Analyst, Credit Risk Analyst, Business Analyst or any other related position in an energetic financial company or institution. Passionate in applying technical skills, financial knowledge and marketing wisdom in advancing credit risk practices, elevating customer satisfaction, and making organizations thrive.

Overview

12
years of professional experience
4
years of post-secondary education

Work History

BANK NEGARA INDONESIA
Jakarta

Credit Analyst, Relationship Manager
01.2020 - Current

Job overview

  • Leading the preparation and analysis of balance sheets, income statements and cash flow statements for over 50 business clients, providing comprehensive insights into their solvency, liquidity and profitability
  • This accurate financial analysis helps guide loan approval decisions, resulting in a 90%+ approval rate for qualified clients
  • Conducting in-depth credit risk analysis for over 30 clients per quarter using the 5Cs (Character, Capacity, Capital, Collateral and
  • Condition) framework to identify risk profiles and recommend appropriate credit limits
  • Maintaining a 100% performing loan ratio, minimizing the risk of bad debt and ensuring optimal loan performance
  • Conducting comprehensive industry analysis across five key sectors, identifying competitive threats and compliance risks
  • This strategic insight enables early risk detection and mitigation, maintaining high credit quality across client portfolios in high-risk industries such as manufacturing and retail
  • Developing over 20 credit ratings, credit notes and loan product proposals each month, providing a well-researched assessment of client creditworthiness
  • Consistently championed proposals in credit committee meetings, successfully fighting for approval in+ of contested cases, contributing to the bank’s competitive loan product offering
  • Managed a loan portfolio exceeding IDR200 billion, conducting daily, weekly, monthly and annual credit quality and performance reviews
  • Identified early signs of credit deterioration, resulting in proactive mitigation strategies that maintained 100% performing loan status
  • Reviewed and approved over 40 credit applications annually, ensuring strict adherence to regulatory guidelines and group credit policies
  • Maintained a flawless 100% compliance rate, aligning loan approvals with regulatory standards and underwriting best practices
  • Collaborated with cross-functional teams to drive business growth, increasing credit product sales by 15% through the development of over 10 targeted credit products per quarter
  • These products addressed specific client needs across key sectors, expanding the bank’s product portfolio and client base.

Officer Development Program
05.2019 - 12.2019

Job overview

  • Adaptable and successfully completed the prestigious Officer Development Program (ODP) at PT BNI, gaining comprehensive knowledge in banking operations, customer segmentation, value analysis, and risk management through over 1,000 hours of intensive coursework
  • Accomplished 6 department rotations to get practical experiences and leadership experience to enhance the work productivity of departments that manage the portfolio greater than IDR 10 billion
  • Cultivated leadership and sound strategic decision-making on more than 20 strategic projects that addressed BNI’s strategic plan and improved cross-organizational cooperation
  • Having completed the program within the panel of the best five percent of the participants and been awarded for efficient financial analysis and risk management, optimization of organizational performance and innovation.

PT. NTT COMMUNICATION INDONESIA, NTT GROUP
Jakarta

Network Engineer
04.2018 - 05.2019

Job overview

  • Delivered more than 50+ troubleshooting work program for several clients who have MPLS and Metro Internet technology organizations working for 95% first 4-Hour Fix, limiting downtime
  • Worked with 5 carrier partners on connection problems for over 100 clients and then developed sustainable solutions that minimize the recurrence of similar problems by at least 40%
  • Successfully set up/implemented more than one hundred pieces of network equipment (routers, switches and others), established an automated network system by encompassing one thousand plus individuals with an accessibility of 99
  • 9% uptime
  • Adapted to the evolving IT landscape by implementing over five new network improvements, ensuring client systems remain up- to-date and aligned with current technological advancements
  • Performed network performance evaluations on 50+ network infrastructures and discovered 10 performance harming bottlenecks, solved these by improving system response time, and increasing network efficiency by about 30%.

ASTRAGRAPHIA INFORMATION TECHNOLOGY, ASTRA INTERNATIONAL GROUP
Jakarta

Oracle Developer
12.2016 - 04.2018

Job overview

  • Created complex systems for billing and customer services for the CCnB Maintenance and Development at PT
  • Aetra Air Jakarta, handling more than 10,000 transactions daily as well as shortening its billing cycle by 2 days
  • Developed and successfully implemented a digital document management for the entire company and decreased document handling time from 30min to 10min with document access to over 50 employees in 5 different departments
  • Supervised the development of a document management system application which secured the project tender of PT
  • Pertamina
  • Hulu Mahakam has been handling 6 work programs and 4 database integration, adhere to over 100 contracts and project specifications
  • Processed more than 50 complaints from clients and solved 95% of them within the first 24 hours while managing a system uptime of 99%
  • 9% as well as customer satisfaction, in general
  • Generated bi-weekly reports to 5 project managers and 3 division heads to ensure that 12 major projects were accomplished on time within a 6 months period.

IRRG, INTELIGENCE ROBOTICS RESEARCH GROUP
Bandung

Organization President
07.2012 - 06.2016

Job overview

  • Effectively managed administration of funds and non-cash aid, led and oversaw all organization projects including robotics competitions, maintained member discipline, and monitored progress of work programs to ensure optimal resource allocation, strategic planning, goal attainment, and collective success.

KMTE, KELUARGA MAHASISWA TEKNIK ELEKTRO
Bandung

Interdisciplinary Staff Coordinator
07.2012 - 06.2016

Job overview

  • Skillfully coordinated the overall progress of organizational regeneration, particularly in implementing departmental cadre development activities to develop leadership and member potential, while also serving as the executive and judicial body to oversee and address constitutional issues, maintain member compliance, and provide solutions
  • Implemented effective strategies in organizational regeneration, including designing engaging cadre development programs, developing member potential plans, and ensuring leadership continuity, while making informed decisions to resolve organizational issues and uphold fairness and adherence to rules.

Education

TELKOM UNIVERSITY
Bandung

Bachelor of Science from Engineering
07.2012 - 08.2016

University Overview

  • 3,11

Certification in Banking Risk Management Competence, National Professional Certification Agency
2021

University Overview

Rakamin Academy

Including Module : Risk Management, Credit Risk, Market Risk, Operational Risk in Banking, Enterprise Risk Management. Data Scientist Specialization Certification
2021

University Overview

Including Module : Phyton, SQL, R, Statistical Analysis, Data Processing, Data Visualization, Machine Learning, Unsupervised Learning, etc.

TOEFL Certificate with a score of 573

University Overview

Skills

  • Relationship Manager:
  • Proficient in building and maintaining strong client relationships, identifying and addressing diverse
  • Financial needs with personalized services, achieving sales targets, and facilitating portfolio growth through customer satisfaction-
  • Oriented strategies
  • Credit Analyst: Skilled in managing diverse lending portfolios, designing marketing strategies through in-depth financial analysis
  • Of potential borrowers, ensuring loan quality sustainability, mitigating risks, and capitalizing on emerging opportunities for long-
  • Term success
  • IT & Data Analyst:
  • Experienced in developing web-based applications using Oracle JDeveloper, Java, and HTML, and performing
  • Data analysis with Python and SQL Able to design responsive interfaces, integrate efficient databases, and provide actionable
  • Insights to support strategic decision-making These technical skills enhance banking operations by optimizing data management
  • Improving customer interfaces, and supporting data-driven financial strategies
  • Risk Assessment
  • Credit analysis
  • Financial statement analysis
  • Credit risk
  • Credit decisions
  • Data Analysis
  • Verbal and written communication
  • Financial statements expertise
  • Credit Reporting
  • Relationship Management
  • Microsoft Excel proficiency
  • Oral and written communications
  • Proficient in [Software]
  • Risk mitigation strategies
  • Loan Documentation
  • Information Verification
  • Financial statement review
  • Goal-Oriented
  • Loan Evaluation
  • Data Compilation
  • Cash Flow analysis
  • Credit Scoring
  • Data Interpretation
  • Lending regulations
  • Underwriting
  • Debt structuring
  • High risk account reviews
  • Quantitative Analysis
  • Financial Forecasting
  • Credit programs
  • Market Trend Analysis
  • Portfolio Management
  • Credit policy development
  • Report Analysis
  • Industry Research
  • Term negotiation

Additional Information

Additional Information
  • ACHIEVEMENTS AND AWARDS , 2nd Runner Up of ABU Robocon Indonesia Regional II, Budiluhur University, 2015. Finalist of Indonesian National Robotic Contest (KRI), Muhammadiyah University Yogyakarta, 2015.

Timeline

Credit Analyst, Relationship Manager
BANK NEGARA INDONESIA
01.2020 - Current
Officer Development Program
05.2019 - 12.2019
Network Engineer
PT. NTT COMMUNICATION INDONESIA, NTT GROUP
04.2018 - 05.2019
Oracle Developer
ASTRAGRAPHIA INFORMATION TECHNOLOGY, ASTRA INTERNATIONAL GROUP
12.2016 - 04.2018
TELKOM UNIVERSITY
Bachelor of Science from Engineering
07.2012 - 08.2016
Organization President
IRRG, INTELIGENCE ROBOTICS RESEARCH GROUP
07.2012 - 06.2016
Interdisciplinary Staff Coordinator
KMTE, KELUARGA MAHASISWA TEKNIK ELEKTRO
07.2012 - 06.2016
Certification in Banking Risk Management Competence, National Professional Certification Agency
Rakamin Academy
Including Module : Risk Management, Credit Risk, Market Risk, Operational Risk in Banking, Enterprise Risk Management. Data Scientist Specialization Certification
TOEFL Certificate with a score of 573

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DODHY FERNANDO GINTINGBussines Loan Credit Analyst