ROYAN ALBAR SANTOSO

During my time at PT Sarana Multi Infrastruktur (Persero), my biggest role is responsible for two different functions of analysis there are:

Loan Origination:

• Gather necessary data for making memo which consists of financial projections, contracts, list of customers and company information
• Making credit memo which includes the company background, reason of loan request, why should the specific loan product is offered and prepare analysis for historical financial statement to evaluate companies need from lenders
• Prepare the financial projections which mirroring the feasibility studies which include expertise recommendation report given from the independent parties
• Determining needs of cash deficiency support
• Preparing power point slides for the board of director

Loan Monitoring:

• Performing annual review report for existing debtors
• Performing quarterly financial assessment to report the if any breaching covenant or operation is declining
• Performing sensitivity effect for the debtor operation yet not limited to effect of increase from interest rate hence the covenant is comply.
• Watch-list debtor (Potential Restructuring):
• Finding the root caused of problems to prepare recommendation
• Preparing simulation to estimate maximum revenue capacity and put certain margin such as EBITDA to be set as minimum
• Simulating potential losses of income for the company to the directorate book therefore the key indicator performance (KPI) is maintained achieve
• Discuss with other lenders if they have similar experience to rise best solutions.

• Monitor the business performance of existing clients and conduct the periodic review on annual/semi-annual basis
• Support the preparation of Credit Memorandum (CM) to accommodate existing clients’ requests
• Support the whole process of new client acquisition, including KYC assessment, financial analysis, financial modelling, business operational understanding, risk identification, proposal development, and signing documentation preparation
• Provide general support and manage the close relationships with existing and potential clients

• Led up meetings with clients and illustrate the audit procedures to be implemented during fieldwork
• Negotiated audit fees with the clients according to the risk and its asset
• Maintained relationship internal and external to ensure the audit process will not lead to misinformation
• Prepared to-do lists for junior auditors and review the work weekly
• Conducted a thorough review on the significant account such as inquiring and simulating each step until eventually be recorded in financial statement

• Prepared data requests
• Recalculated high risk account (account receivable, fixed asset, loan, revenue and cost of goods sold)
• Investigated unusual transactions that resulted the clients need to make adjustments
• Provided recommendations to the client to be efficient by cutting down unnecessary expenses
• Inputted adjustment journal entry to align with the accounting standard
• Compiled data from various types of formats and reconcile the report