Rifani Achmad
Summary
Reliable Manager demonstrating high level of ownership and initiative. Possessing exceptional work ethic and desire to go above and beyond to exceed company expectations. Offering knack for building productive working relationships. Successful in fast-paced, deadline-driven environments to manage goals and team development. History of thriving in team-oriented environments.
Overview
13
13
years of professional experience
4
4
years of post-secondary education
Work History
Manager
PT Bank CIMB Niaga Tbk - Loan Monitoring & Documentation Specialist
Jakarta, Indonesia
04.2020 - Current
- Responsible to ensure promptly fulfillment and compliance of term & conditions/covenant imposed to the Debtor in relation with the provided credit facility as well as providing support to a variety of tasks related to the loan process.
- Activities will include independently processing and closing loans within a complex loans operation environment.
- Assist the identification of inherent risk or data inconsistencies and implement mitigation strategy to ensure achievement of the determined Key Risk Indicator that impact to Operational Risk Rating Corporate Banking.
- Spearheads the execution of strategies and business plans to improve Bankʼs internal policies and procedures (ie. involve in data quality improvement related to Data Governance/SOP/Juknis etc.)
- Assist the design process and analyzes moderately complex loan documentation reports to satisfy management requirements, support/control activities, and regulatory requirements.
- Responsible to ensure debtor/external & internal party fulfilment of the approved term & conditions/covenants especially for moderate and complex loans (legal documentation - credit/collateral agreement/document, financial report, financial covenant, insurance, appraisal/merchandise inspection, Debtorʼs reports, LPDH, internal purpose covenant, etc).
- Interpret loan documentation policies while analyzing credit proposals and approvalʼs conditions and provide required verifications, documentation, and subsequent follow ups.
- Prepare, with the assistance of outside counsel, all relevant documents required for legal documentation & signing (credit & collateral agreement) for both internal and/or notarial signing.
- Implementation Management Stakeholders Data Update.
- Active in project, to incharge for Enhancement Credit Process, Digitalization Process.
- Manage good communication & collaboration with Business Unit and other relevant parties in achieving the objective of good covenant monitoring activities to maintain good account quality.
- Provide assistance to any team members that have technical/knowledge issues (especially the junior one).
- Ensure compliance with internal bank policies & procedures.
- Ensure compliance with regulatory requirements (OJK) and external auditor.
- The company that I handle (Parents company include their Subs or Co Borrower), such as Sinarmas Group (PT SMART Tbk, PT Sawit Mas Sejahtera, PT Ivo Mas Sejahtera, PT Sinar Syno Kimia, PT Sinarmas Distribusi Nusantara), APP Group (PT Pindo Deli Pulp & Paper, PT Indah Kiat Pulp & Paper, PT Oki Pulp and Paper & PT Pabrik Kertas Tjiwi Kimia), Salim Group (PT Indomobil Finance Indonesia, PT CSM Corporatama, PT Indomobil Sukses Internasional Tbk, PT IMG Sejahtera Langgeng), Lippo Group (PT Siloam International Hospitals Tbk, PT Matahari Department Store Tbk, PT Ariobimo Laguna Perkasa, PT Metropolis Propertindo, PT Multipolar Tbk, PT Lippo Karawaci, PT Lippo Cikarang, PT Linknet Tbk).
- Proactively communicate with another parties likely Notary, Insurance Company, Insurance Broker, KJPP (Kantor Jasa Penilaian), PPAT.
- My additional Job desc are make a report for term loan/annual review of CoBa Debtor.
- My achievement for this role as follow : Operational Risk Related to Credit KRI ER Critical with Exceed Score 0.23% ( vs criteria exceed score < 1.5%), Operational Risk Related to Credit ER Ratio with ER devided by total debtor with exceed score 2.17% (vs criteria exceed score)
Assistant Manager
PT Bank CIMB Niaga Tbk - Loan Monitoring & Documentation Specialist Corporate Banking
Jakarta, Indonesia
04.2017 - 04.2020
- Monitored loan documentation for compliance with regulatory requirements.
- Reviewed client loan applications for accuracy and completeness.
- Coordinated communication between clients and internal stakeholders.
- Assisted in risk assessment by analyzing financial statements.
- Maintained organized electronic records of loan agreements and documents.
- Implemented process improvements to enhance loan monitoring efficiency.
- Collaborated with cross-functional teams to streamline documentation workflows.
- Managed customer service inquiries and complaints in a timely manner.
- Supervised daily operations including scheduling shifts, assigning duties.
- Maintained up-to-date knowledge of company products and services.
- Ensured compliance with safety regulations and company policies.
- Active in project, to incharge for Enhancement Credit Process, Digitalization Process
- Assist the identification of inherent risk or data inconsistencies and implement mitigation strategy to ensure achievement of the determined Key Risk Indicator that impact to operational Risk Rating Corporate Banking.
- Proactively communicate with another parties as follow Notary, Insurance Company, Insurance Broker, Kantor Jasa Penilaian Properti.
- My achievement are creating a report on the KRI OT (Key Risk Indicator Offering Ticket),monitor on a monthly basis the extension of the borrowers credit facilities and determine whether a permanent annual review has been conducted or not, so that OT Approval can be granted for a maximum of 3 months.
Credit Documentation Officer
PT Bank CIMB Niaga Tbk - Corporate Banking
Jakarta, Indonesia
10.2015 - 03.2017
- Managed corporate client accounts and maintained strong relationships.
- Coordinated loan documentation processes for corporate clients.
- Analyzed financial data to assess credit risk and compliance.
- Facilitated communication between clients and internal teams for project updates.
- Reviewed financial proposals to ensure alignment with company policies.
- Supported senior management in developing strategic banking solutions.
- Participated in regular meetings with upper management regarding progress updates on current initiatives.
- Responsible to ensure promptly fulfillment and compliance of term & conditions/covenant imposed to debtor in relation with the provided credit facility as well as providing support to a variety of tasks related to the loan process. Activities will include independently processing and closing loans within a complex loans operation environment.
- Maintain covenant for corporate debtor, my account assignment as follow : PT Matahari Department Store Tbk, PT Matahari Putra Prima Tbk, PT Lippo Cikarang Tbk, PT Lippo Karawaci Tbk, PT Multipolar Tbk, PT Sinar Mas Agro Resources and Technology Tbk, PT Sawit Mas Sejahtera, PT Indofood Sukses Makmur Tbk, PT Salim Ivomas.
- My achievement for this role, No ER (Exception Report), Good Score KRI.
- Monitored and reported on operational performance metrics.
Officer
PT Bank CIMB Niaga Tbk - Relationship Manager Corporate Banking
Jakarta, Indonesia
07.2014 - 10.2015
- Managed client relationships to ensure satisfaction with corporate banking services.
- Analyzed financial data to assess creditworthiness of corporate clients.
- Developed tailored banking solutions for diverse corporate customer needs.
- Here are some my account assignment : PT Indoferro, PT FKS Multi Agro Tbk, PT Jakarta Central Asia Steel, PT Arga Karya Prima Industry Tbk, PT Kalimantan Steel, PT Makassar Tene & PT Martina Berto Tbk.
- Facilitated communication between clients and bank departments for service delivery.
Management Trainee
PT Bank CIMB Niaga Tbk - Corporate Banking
Jakarta, Indonesia
12.2013 - 07.2014
- Assisted team in daily banking operations and customer service tasks.
- Collaborated with departments to streamline processes and enhance communication.
- Participated in training sessions to understand banking regulations and compliance.
- Learning and job training in each department, like Treasury, Transaction Banking, Trade Finance, Value Chain and Corporate Banking.
- Supported management in preparing reports and analyzing financial data.
- Engaged with clients to understand their needs and provide tailored solutions.
- Learned company processes, procedures and employee role functions.
- Enhanced leadership abilities through training and hands-on task completion.
Education
Transaction Banking Product
Internal Bank
03.2026 - 03.2026
Credit Academy Intermediate - Credit Academy Intermediate - Trade Finance
Moodys
02.2025 - 02.2025
Webinar Prompt A Thon (Hybrid)
Microsoft Indonesia
11.2025 - 11.2025
Mandatory Acceptable Use Policy (AUP)
Internal Bank
11.2025 - 11.2025
Generative AI And Its Impact To Everyday Business
Internal Bank
11.2025 - 11.2025
Greenwashing & Sustainability - Themed Bonds/Sukuk
Otoritas Jasa Keuangan
05.2024 - 05.2024
Sertifikasi Manajemen Resiko Jenjang 4 - Manajement Risiko Jenjang 4
LSPP
11.2024 - 11.2024
Business Learing Session
Wina Risman MED
08.2023 - 08.2023
Refreshment Cyber Security Awareness 2023
Internal Bank
12.2023 - 12.2023
Sustainability Studies
Internal Bank
10.2023 - 10.2023
Esg Aspect In Impact Investment
NASSAT IDRIS & BANGKIT OETOMO
09.2022 - 09.2022
Effective Communication Skill
Sandler
08.2022 - 08.2022
Credit Academy - Working Capital Finance Trade
ALTA PERFECTO
07.2022 - 07.2022
Credit Fundamental (For Corporate Banking)
People Synergy
04.2022 - 04.2022
Bachelor's Degree - ADMINISTRASI NIAGA
Politeknik Negeri Jakarta
Depok 07.2009 - 07.2013
Skills
- Improve Customer Satisfaction Score
- Effectively Manage approximately 100 accounts
- Conducted Know Your Customer for approximately 100 accounts
- Advanced Excel
- Microsoft Powerpoint
- Interpersonal Communication
- Account Management
- Credit skill & knowledge
- Product (lending & funding) and operational
- Basic legal documentation knowledge
Languages
English
Personal Information
- Date of Birth: 06/13/91
- Gender: Female
- Nationality: Indonesia
- Driving License: A
- Marital Status: Married
- Place of Birth: Jakarta
Languages
English
Upper Intermediate
B2
Timeline
Transaction Banking Product
Internal Bank
03.2026 - 03.2026
Webinar Prompt A Thon (Hybrid)
Microsoft Indonesia
11.2025 - 11.2025
Mandatory Acceptable Use Policy (AUP)
Internal Bank
11.2025 - 11.2025
Generative AI And Its Impact To Everyday Business
Internal Bank
11.2025 - 11.2025
Credit Academy Intermediate - Credit Academy Intermediate - Trade Finance
Moodys
02.2025 - 02.2025
Sertifikasi Manajemen Resiko Jenjang 4 - Manajement Risiko Jenjang 4
LSPP
11.2024 - 11.2024
Greenwashing & Sustainability - Themed Bonds/Sukuk
Otoritas Jasa Keuangan
05.2024 - 05.2024
Refreshment Cyber Security Awareness 2023
Internal Bank
12.2023 - 12.2023
Sustainability Studies
Internal Bank
10.2023 - 10.2023
Business Learing Session
Wina Risman MED
08.2023 - 08.2023
Esg Aspect In Impact Investment
NASSAT IDRIS & BANGKIT OETOMO
09.2022 - 09.2022
Effective Communication Skill
Sandler
08.2022 - 08.2022
Credit Academy - Working Capital Finance Trade
ALTA PERFECTO
07.2022 - 07.2022
Credit Fundamental (For Corporate Banking)
People Synergy
04.2022 - 04.2022
Manager
PT Bank CIMB Niaga Tbk - Loan Monitoring & Documentation Specialist
04.2020 - Current
Assistant Manager
PT Bank CIMB Niaga Tbk - Loan Monitoring & Documentation Specialist Corporate Banking
04.2017 - 04.2020
Credit Documentation Officer
PT Bank CIMB Niaga Tbk - Corporate Banking
10.2015 - 03.2017
Officer
PT Bank CIMB Niaga Tbk - Relationship Manager Corporate Banking
07.2014 - 10.2015
Management Trainee
PT Bank CIMB Niaga Tbk - Corporate Banking
12.2013 - 07.2014
Bachelor's Degree - ADMINISTRASI NIAGA
Politeknik Negeri Jakarta
07.2009 - 07.2013