Fotografi, travel, otomotif, and Basketball
Syahrisa Muhamad
Credit Analyst Manager
Jakarta,Indonesia
Summary
Dedicated Credit Analyst with a background in reviewing credit bureau reports and communicating with commercial clients. Knowledgeable in credit approvals and limits. Offering a successful career history comprising more than 15 years.
Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than 15 years of resolving credit disputes and making recommendations on bad debt accounts.
Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought.
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.
Team-oriented individual highly skilled in credit policies and corporate regulations. Desiring Credit Analyst position with banking company.
Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Accomplished Credit Analyst promoting more than 15 years developing skills in customer service, account oversight and collections.
Bilingual Credit Analyst familiar with creating credit risk models. Eager to apply skills in account management and research to augment an employer's services and market share.
Experienced Credit Analyst with over 15 years of experience in banking. Excellent reputation for resolving problems and improving customer satisfaction.
Overview
1
1
Certification
5
5
years of post-secondary education
7
7
years of professional experience
Work History
Senior Credit Risk Analyst
Bank DKI
Jakarta, Indonesia
08.2018 - Current
- Conducted presentations to upper management and executive teams for loan recommendations.
- Made decisions and recommendations about extending lines of credit.
- Contacted customers and requested financial documentation.
- Assessed credit risk and analyzed financial statements.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
- Placed customer accounts on hold due to past due payments.
- Minimized accounts receivable collections and reconciled customer billings and statements.
- Complied with internal controls and government regulations.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Improved understanding of financial statements, which helped in assessing risk.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
- Monitored all company inventory to ensure stock levels and databases were updated.
- Completed task to ensure compliance with relevant government regulations.
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
Credit Analyst
Bank DKI
Jakarta, Indonesia
05.2016 - 08.2018
- Contacted customers and requested financial documentation.
- Assessed credit risk and analyzed financial statements.
- Minimized accounts receivable collections and reconciled customer billings and statements.
- Improved understanding of financial statements, which helped in assessing risk.
- Complied with internal controls and government regulations.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Gathered loan documentation for underwriting.
- Placed customer accounts on hold due to past due payments.
- Made decisions and recommendations about extending lines of credit.
- Performed credit reviews on corporations to assess financial conditions.
Head of Marketing
Bank DKI Branch Tanjung Priuk
Jakarta, Indonesia
07.2014 - 05.2016
- Increased market awareness and penetration through development of creative collateral.
- Oversaw account budgets, internal billings and monthly P&L to achieve financial goals.
- Managed branding campaigns and event marketing initiatives in print, video, web and social media.
- Considered business demands and customer preferences when developing pricing structures and marketing plans.
- Generated 100% in sales through effective networking and marketing strategies to grow new business and increase productivity.
- Built and strengthened strategic relationships with consumer and supplier partners.
- Planned and implemented studies to assess market conditions and evaluated results to enhance marketing campaigns.
- Directed marketing projects at all stages, including conceptual planning, schedule management and final implementation.
- Developed insights on marketing campaigns to assess performance against goals.
- Captured new customers by optimizing business strategies and launching products to diversify offerings.
- Increased consumer retention by 50% by reactivating dormant consumers through strategic campaigns.
Education
Bachelor - Accounting
Universitas Mercu Buana
Jakarta 07.1994 - 10.1999
Skills
Financial statements expertise
Additional Information
Training Financial Report Analytics at UGM
Training Moody's Analystics Credit Coach by Moody's Singapore
Workshop Mitigating Risk in Trade Finance at LPPI
Training Smelter Project Financing by PT.Energo
Training Due dilingence Coal and Mining Analystic by Energo
Workshop Ship Financing and Commercial Analysis By Energo
Training Parametric retail scooring by PT.CRIF
Sekolah Pasar Modal by BEI
Certification
Managemen Risk Sertification level II
Interests
Timeline
Senior Credit Risk Analyst
Bank DKI
08.2018 - Current
Managemen Risk Sertification level II
04-2018
Credit Analyst
Bank DKI
05.2016 - 08.2018
Head of Marketing
Bank DKI Branch Tanjung Priuk
07.2014 - 05.2016
Bachelor - Accounting
Universitas Mercu Buana
07.1994 - 10.1999
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