Hendra Utama
Credit Support Department Head
South Tangerang
Summary
Experienced with credit evaluation, risk assessment, and financial analysis. Utilizes keen analytical skills to provide accurate credit recommendations. Track record of collaborating with teams to achieve financial stability and growth.
Overview
11
11
years of professional experience
3
3
Certifications
Work History
Credit Support Department Head (SME)
PT. Bank China Construction Bank Indonesia, Tbk
11.2022 - Current
- Analyze credit applications submitted by branches / SME Centers.
- Ensure that all credit applications are in accordance with the provisions of the SME Division.
- Ensure administrative order and completeness of supporting documents for credit applications in accordance with the provisions.
- Provide recommendations to the credit committee of the SME Division in decision making.
- Mitigate the risk of applying for credit from branches / SME Centers
- Check the completeness of credit proposal data, analyze credit proposals, communicate with branches / SME Centers related to credit proposals.
- Provide direction to the credit support Department staff related to procedures & updates to credit policies as well as operations and development of SME divisions.
- Proactively conduct self-development efforts to ensure the fulfillment of work-related competency requirements.
- Provide input to the head of the SME Division related to credit application procedures.
- Supervise 2 Credit Support Department Staff and review their report.
Cluster Head (Smal & Medium Enterprise)
PT. Bank China Construction Bank Indonesia, Tbk
10.2016 - 09.2022
- Handle loan proposal from Jakarta, Sumatera, Bali and Mataram Branch.
- Supervise 2 Business Support Officer (BSO) and review their proposal.
- Propose Commercial Loan Product from each branch with limit maximum IDR 10 Billion.
- Manage existings customer in relation with renewal facility, loan disbursement, account termination, etc.
- Analyze the entire scheme of commercial loan.
- Maintain account by building good relationship with existing customers, offering new banking products, monitoring customer's loan.
Business Support Officer (Smal&Medium Enterprise)
PT. Bank China Construction Bank Indonesia, Tbk
07.2015 - 10.2016
- Propose Commercial Loan Product from Jabodetabek’s branch with limit maximum IDR 10 Billion.
- Manage existings customer in relation with renewal facility, loan disbursement, account termination, etc.
- Analyze the entire scheme of commercial loan.
- Maintain account by building good relationship with existing customers, offering new banking products, monitoring customer's loan.
Business Support Manager (Commercial Division)
PT. Bank China Construction Bank Indonesia, Tbk
11.2014 - 07.2015
- Propose Commercial Loan Product from Jabodetabek’s branch with limit above IDR 10 Billion.
- Manage existings customer in relation with renewal facility, loan disbursement, account termination, etc.
- Analyze the entire scheme of commercial loan.
- Maintain account by building good relationship with existing customers, offering new banking products, monitoring customer's loan.
Management Trainee
PT. Bank China Construction Bank Indonesia, Tbk
02.2014 - 11.2014
- Attend training program for 9 month covering all aspects of banking products and services, including operational procedures and standards.
- Assist officers during on the job training.
Education
Bachelor - Faculty of Economy in Major Accounting
Atmajaya Catholic University
Jakarta 04.2001 -
No Degree -
SMAN 1 Ciputat
Ciputat 04.2001 -
Skills
- Analyze credit applications
- Financial statement analysis
- Risk assessment of applying for Loan
- Teamwork
- Adaptability
Certification
Risk Management Certification Level 1
Timeline
Credit Support Department Head (SME)
PT. Bank China Construction Bank Indonesia, Tbk
11.2022 - Current
Risk Management Certification Level 3
11-2019
Risk Management Certification Level 2
09-2018
Cluster Head (Smal & Medium Enterprise)
PT. Bank China Construction Bank Indonesia, Tbk
10.2016 - 09.2022
Risk Management Certification Level 1
10-2016
Business Support Officer (Smal&Medium Enterprise)
PT. Bank China Construction Bank Indonesia, Tbk
07.2015 - 10.2016
Business Support Manager (Commercial Division)
PT. Bank China Construction Bank Indonesia, Tbk
11.2014 - 07.2015
Management Trainee
PT. Bank China Construction Bank Indonesia, Tbk
02.2014 - 11.2014
Bachelor - Faculty of Economy in Major Accounting
Atmajaya Catholic University
04.2001 -
No Degree -
SMAN 1 Ciputat
04.2001 -
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