Patar Jossi Immanuel Sinaga
VP - Lead Investment Risk Specialist
Legenda Wisata Zona Da Vinci Blok T10 no.31
Summary
Dynamic finance professional with a proven track record at PT Danareksa, (Persero) , excelling in investment analysis and cross-functional team collaboration. Spearheaded risk mitigation strategies, enhancing profitability and investment quality. Expert in financial analysis and adept at driving strategic initiatives, demonstrating exceptional quantitative analysis skills and leadership.
Overview
15
15
years of professional experience
2
2
Certifications
Work History
VP - Lead Invesment Risk Specialist
PT Danareksa (Persero)
Jakarta, Jakarta
02.2024 - Current
- Conducted thorough review and assessment on investment, restructuring, and asset management initiatives, providing sound recommendations for financial & cashflow analysis, product structuring, and regulatory compliance.
- Collaborated with cross-functional teams to ensure alignment on investment risk strategies and initiatives.
- Implemented risk mitigation strategies resulting in increased efficiency and profitability
- ensuring that investment quality is continually monitored and that early warning signals are promptly identified.
VP - Lead Investment Risk Specialist
PT Perusahaan Pengelola Aset
06.2021 - 02.2024
- Conduct review/assessment on investment, restructuring / revitalization, and asset management initiatives including financial & cashflow analysis, product structuring, collateral evaluation, regulatory compliance, and providing sound recommendations on assessment.
- Monitor and evaluate implementation of risk mitigations on investment, restructuring/revitalization, and asset management initiatives.
- Monitor and report investment quality to provide early warning signals on deteriorating assets.
- Perform internal consultations and advise on investment and/or corporate initiatives
Sr. AVP - Institutional Credit Risk Management
CTBC Bank Indonesia
10.2017 - 06.2021
- Conduct Credit Risk Assessments on proposals from other units/departments
- Establish and update Corporate Core Credit Policy for Corporate – Commercial segments and its inherent procedures and manuals
- Perform Industry Analysis & Limit Setting
- Develop necessity credit program and monitor the maintenance of existing program.
AVP - Corporate Credit Risk
UOB Bank
03.2016 - 09.2017
- Conduct thorough credit assessments to identify and report potential risks, ensuring comprehensive analysis and summary for informed decision-making.
- Collaborate closely with Corporate and Business units to evaluate creditworthiness, creating concise executive summaries and justifications for approval by relevant authorities.
- Monitor debtor quality and implement actionable plans for Watch List Accounts to mitigate risk.
- Review and refine Standard Operating Procedures (SOPs) related to wholesale banking, CPC proposals, and new product programs, addressing concerns from relevant units.
Relationship Manager, Corporate Banking
DBS Bank
06.2014 - 03.2016
- Maintain existing portfolio by performing a periodical review on the existing customer including analysis their financial performance, industry, and suitability of products
- Identifying and approaching new customers, process new loans, growing assets and liabilities, establishing effective cross-sell of various products
- Liaise with other department such as credit, credit admin, operation and other relevant dep to ensure a seamless process flow of credit application.
- Monitor financial and non financial covenant and perform action plan to identify early warning signals.
Corporate Banking Credit Analyst
MUFG Bank - Jakarta Branch
06.2013 - 08.2014
- Prepare full set of credit proposal for new, review, and additional facilities of Japanese Subsidiaries in timely and proper manner inline with prudent credit risk management, in order to achieve target, healthy credit portfolio and low NPL.
- Conduct financial, business and industry analysis and other risk aspects in assessing customer credit's risk timely and proper manner in accordance with credit rules, procedure for credit rating, standard operation procedure.
- Prepare regular credit reporting to internal and external parties on order to prevent problem assets.
Corporate Banking Credit Analyst
PT Bank Negara Indonesia (Persero), Tbk
01.2010 - 06.2013
- Analyze current credit data, related industry data, business model, collateral data, and financial statements to perform risk assessment analysis on corporate credit facility proposals with a minimum IDR150 Billion credit application in size. (Sector Coverage: Oil & Gas, Telecommunication, Infrastructure)
- Prepare full set of credit proposal for new, review, and additional facilities and submit to credit committee for approval.
- Responsible in maintaining portfolio of State Owned Enterprises, Local and Multinational Companies. (Including Cash Loan and Non Cash Loan Facility)
Education
MBA - General Management
Institut Teknologi Bandung
BandungBachelor of Engineering - Mechanical Engineering
Institut Teknologi Bandung
BandungSkills
Investment Analysis
Quantitative Analysis
Risk mitigation strategies
Credit risk
Creditworthiness Determination
Financial Analysis
Certification
Qualified Risk Management Professional (QRMP)
Timeline
VP - Lead Invesment Risk Specialist
PT Danareksa (Persero)
02.2024 - Current
Qualified Risk Management Professional (QRMP)
01-2024
Banking Risk Management - Level 3
12-2021
VP - Lead Investment Risk Specialist
PT Perusahaan Pengelola Aset
06.2021 - 02.2024
Sr. AVP - Institutional Credit Risk Management
CTBC Bank Indonesia
10.2017 - 06.2021
AVP - Corporate Credit Risk
UOB Bank
03.2016 - 09.2017
Relationship Manager, Corporate Banking
DBS Bank
06.2014 - 03.2016
Corporate Banking Credit Analyst
MUFG Bank - Jakarta Branch
06.2013 - 08.2014
Corporate Banking Credit Analyst
PT Bank Negara Indonesia (Persero), Tbk
01.2010 - 06.2013
MBA - General Management
Institut Teknologi Bandung
Bachelor of Engineering - Mechanical Engineering
Institut Teknologi Bandung
Similar Profiles
Rendhy Bramantha Wisudana Rendhy Bramantha Wisudana null
Online Advisor at PT. BRI Danareksa SekuritasOnline Advisor at PT. BRI Danareksa Sekuritas
Niko MargaronisNiko Margaronis
Research Analyst at PT BRI Danareksa SekuritasResearch Analyst at PT BRI Danareksa Sekuritas
ADHYAKSA PRADJNA PRATHAMAADHYAKSA PRADJNA PRATHAMA
Account Executive at PT. BRI Danareksa SekuritasAccount Executive at PT. BRI Danareksa Sekuritas