Lili Anggraini Gunawan
Semarang
Summary
Dynamic Regional Credit Risk Manager with extensive experience at PT Rabobank Indonesia, excelling in credit analysis and relationship management. Proven track record in reducing credit risk through robust assessment strategies and enhancing team performance. Adept at negotiating solutions for clients, driving business growth while adhering to stringent banking standards.
Overview
26
26
years of professional experience
Work History
Regional Credit Risk Manager
PT Rabobank Indonesia
Semarang, Indonesia
01.2008 - 04.2018
- Review and approve credit proposals from the regional business area as of the limit given.
- Review/ revise toward my subordinates recommendations on the structured facilities and conditions applied of the credit loan to be approved.
- Monitoring of credit portfolio in the covering area including measuring early warning signals potentially may arise to meet the NPL target of the bank.
- Set and monitor related boundaries for the credit risk management.
- Providing guidance and training to the branches of the credit risk management rules to be implemented.
- Conduct regular visits to the clients of the bank to make sure the business is running well and as proposed.
- Adhered to banking standards and government lending guidelines for loan services.
- Managed a team of analysts, providing guidance and support in conducting thorough credit evaluations and risk assessments.
- Supported business growth initiatives while maintaining prudent lending standards through diligent oversight of new client acquisitions.
- Developed a comprehensive training program to enhance the skills of junior team members in credit analysis and risk management techniques.
- Recommended approval or disapproval of commercial credit loans and as a SME Credit Committee members.
- Reduced credit risk by implementing robust assessment strategies and monitoring credit exposure.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
- Provided expert advice during negotiations with borrowers experiencing financial difficulties, working towards mutually beneficial resolutions that minimized losses.
Senior Relationship Manager Enterprise Banking
PT Bank DBS Indonesia
Semarang, Indonesia
04.2005 - 01.2008
- Maintain and grow portfolio for Commercial and Corporate clients within the region area.
- Established extensive relationship with existing and new clients within the area to gain new potential business, propose into the pipelines and convert into the business.
- Established strong referral networks with internal partners such as commercial banking, corporate banking, and wealth management teams to identify potential new clients.
- Streamlined processes for increased efficiency within the team, resulting in improved response times to client inquiries and requests.
- Ensured compliance with all relevant regulations by adhering to established policies and procedures in all aspects of the role.
- Enhanced team performance by mentoring junior relationship managers on best practices in client service, sales techniques, and product knowledge.
- Worked closely with credit analysts to ensure timely and accurate processing of loan applications, maintaining client satisfaction throughout the process.
- Participated in regular training sessions to continually improve skills related to client service, product offerings, sales techniques, and industry knowledge.
- Maintained up-to-date knowledge of industry trends, regulatory changes, and competitor offerings to provide informed advice to clients.
- Planned and attended meetings with clients to cultivate and grow partnerships and opportunities.
Assistant Manager Business Banking
HSBC Bank
Semarang, Indonesia
03.2003 - 03.2005
- Maintain and grow portfolio for Business Banking clients ( Export Import facility and Commercial clients ).
- Ensure that all export import transactions are complied with the rules and regulations.
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Improved customer satisfaction by addressing and resolving complaints promptly.
- Conducted employee performance evaluations, providing constructive feedback for growth and development.
Assistant Manager Personal Financial Services
HSBC Bank
Semarang, Indonesia
03.1998 - 03.2003
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Maintained a clean, safe, and organized the bank's environment to enhance the customer experience.
- Developed strong working relationships with staff, fostering a positive work environment.
- Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
- Collaborated with the management team to develop strategic plans for business growth and improvement.
- Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
- Ensure that all transactions are complied with the bank's rules and government regulations.
Assistant Manager Trade Service
HSBC Bank
Semarang, Indonesia
04.1994 - 03.1998
- Handling Export Import transactions & documents also building relationship with the clients and maintain excellent standard services to customers.
- Monitor Export / Import transactions until closing.
- Maintained a clean, safe, and organized the banks environment to enhance the customer experience.
- Improved customer satisfaction by resolving complaints and inquiries promptly.
- Enhanced team productivity by streamlining operational processes.
Trade Services Head
PT Bank Danamon Indonesia
Semarang, Indonesia
01.1992 - 03.1994
- Handle, examine and process Export Import transactions & documents and dealing with Export/Import customers.
- In touch with the customers and maintain excellent standard services in all Export/Import business.
- Monitoring all Export/Import transactions until closing and handle the problems.
- Worked well in a team setting, providing support and guidance.
Education
Bachelor of Arts - English
Satya Wacana Christian University
Salatiga, IndonesiaSkills
- Credit analysis
- Relationship management
- Portfolio management
- Business strategy
- Financial statement analysis
- Negotiation
- Trade Finance
Languages
English
Bilingual or Proficient (C2)
Indonesian
Bilingual or Proficient (C2)
Timeline
Regional Credit Risk Manager
PT Rabobank Indonesia
01.2008 - 04.2018
Senior Relationship Manager Enterprise Banking
PT Bank DBS Indonesia
04.2005 - 01.2008
Assistant Manager Business Banking
HSBC Bank
03.2003 - 03.2005
Assistant Manager Personal Financial Services
HSBC Bank
03.1998 - 03.2003
Assistant Manager Trade Service
HSBC Bank
04.1994 - 03.1998
Trade Services Head
PT Bank Danamon Indonesia
01.1992 - 03.1994
Bachelor of Arts - English
Satya Wacana Christian University