PT Sinarmas Multifinance

• Manage account of Debtors within portfolio credit disburse almost 2 trillion IDR with wide range of industries (mining, telecom, real estate, and transportation).
• Make credit proposal, conduct in financial spreadsheet analysis, account statement analysis, cashflow projection analysis and research industry analysis.
• Negotiates credit terms, such as costs, loan schemes, loan repayment methods and collateral, including restructuring credit facilities and all the process of corporate loan recovery.
• Maintaining relationship and managing and serving existing corporate clients, as well as providing
advice to company management.
• Successfully develop product and growth new car financing for corporate client’s employee (Car Ownership Program).
• Actively promote brand awareness of new car financing product to prospects and clients from Pillar of Sinar Mas
• Involved in product development (Dealer/ showroom financing and investment credit-new car financing for corporate debtor) included make SOP, develop systems and flow process, and also give training to Branch Office.

Relationship Manager

Credit Risk Analyst

PT Bank Sinarmas Tbk

1. Joined program to become Corporate Banking Relationship Manager
2. Make financial analysis (inlc. FS, account statement, cashflow projection, market analysis, etc) for corporate clients with minimum credit disbursed IDR 75 Bio.

Corporate Banking Development Program Batch 6

Universitas Gadjah Mada (UGM)

Laboratory Asisstant of Renewable Energy

PT. Perkebunan Nusantara VIII

Research Intern

Ardyan has a ability to organize people and systems to achieve objectives, meet deadlines, priority works, problem solves, and maintain high standards. Experience in credit and loan restructuring

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