Jerry Mangolie
Summary
Accomplished Senior Credit Analyst at OCBC Bank, adept in credit risk analysis and fostering robust client relationships. Excelled in enhancing loan approval processes and credit risk strategies, significantly improving operational efficiency. Demonstrates exceptional communication skills and a proven track record in policy and procedure management, ensuring compliance and driving strategic growth.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Senior Credit Analyst
OCBC Bank
Jakarta
11.2008 - 02.2015
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Performed credit reviews on corporations to assess financial conditions.
- Complied with internal controls and government regulations.
- Improved understanding of financial statements, which helped in assessing risk.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Gathered loan documentation for underwriting.
- Utilized strong communication and interpersonal skills to obtain necessary financial information from customers.
- Streamlined the loan approval process by effectively collaborating with sales, underwriting, and operations teams.
- Conducted timely reviews of existing credits ensuring compliance with covenants, terms, and conditions stipulated in loan agreements.
- Provided valuable input during strategic planning sessions to optimize credit risk strategies for long-term growth.
- Improved credit risk management by developing and implementing comprehensive credit policies and procedures.
- Offered insight to upper management regarding credit decisions.
- Mitigated potential losses by identifying early warning signals and proactively managing problem loans.
- Evaluated customer credit data to determine level of risk involved in money lending.
- Improved decision-making processes through the creation of concise reports on key industry trends, macroeconomic factors, and borrower profiles.
- Increased efficiency in credit review process by developing standardized templates for financial spreading and risk assessment.
- Prioritized tasks to meet or exceed timelines and supervised multiple responsibilities at same time.
- Assessed credit risk and analyzed financial statements.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Made decisions and recommendations about extending lines of credit.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Participated in loan committee meetings to provide input on lending processes.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Negotiated payment plans and loan terms with delinquent customers.
- Investigated and resolved customer disputes related to credit decisions.
- Created credit policies, processes and procedures to maintain compliance with banking regulations.
- Developed credit models to assist in the credit decisioning process.
Account Officer
Windu Kentjana Bank
Jakarta
04.2008 - 11.2008
- Developed strong relationships with clients by promptly addressing inquiries or concerns related to their accounts.
- Enhanced accuracy in account reconciliations by closely reviewing transactions for discrepancies or errors before finalizing financial statements.
- Responded to requests for information and resolved issues quickly.
- Assisted in budget preparation and monitoring, contributing to cost-saving measures across the organization.
- Increased client satisfaction by providing timely and accurate financial reports.
- Maintained up-to-date knowledge of industry trends, regulations, and best practices, ensuring adherence to established standards and guidelines within the company''s accounting department.
- Supported month-end closing activities by preparing accurate and comprehensive journal entries as required under GAAP guidelines.
- Managed accounts payable and receivable, ensuring prompt payment and accurate recordkeeping.
- Managed fixed asset records, including depreciation schedules and periodic physical inventory counts, ensuring accurate representation of company assets on financial statements.
- Implemented new accounting software, improving overall data management and analysis capabilities.
- Collaborated with cross-functional teams to develop financial strategies that supported organizational growth objectives.
- Maintained tough quality standards to optimize delivery of Service type.
- Managed and responded to correspondence and inquiries from customers and vendors.
- Effectively communicated with clients about payment needs and kept updated, detailed and accurate ledgers.
- Gathered, evaluated and summarized account data in detailed financial reports.
- Recorded deposits, reconciled monthly bank accounts and tracked expenses.
- Managed complex problem-solving for upper management in order to complete projects on-time and within budget.
- Reconciled company bank, credit card and line of credit accounts, investigating, and resolving discrepancies to keep accounts audit-ready.
Credit Officer
BCA Finance
Jakarta
01.2007 - 01.2008
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
- Reduced delinquency rates by implementing effective portfolio management strategies.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Streamlined loan approval processes with the development of standardized credit policies and procedures.
- Adhered to banking standards and government lending guidelines for loan services.
- Checked appraisals, title information and insurance documents for each property.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Optimized credit approval and collection processes, improving operational efficiencies by over Number%.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Organized and finalized loan applications for underwriter review.
- Negotiated favorable terms with clients for both secured and unsecured lending products, resulting in mutually beneficial agreements.
- Developed strong relationships with clients through regular communication and excellent customer service.
- Updated client accounts with new information and verified data for informed credit approvals.
- Monitored accounts for signs of fraud and non-payment issues.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
- Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
- Managed account data and verified information with clients, past creditors and other involved parties.
- Prepared reports of findings and recommendations.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
Account Officer
Economic Bank
Jakarta
03.2005 - 12.2006
- Developed strong relationships with clients by promptly addressing inquiries or concerns related to their accounts.
- Enhanced accuracy in account reconciliations by closely reviewing transactions for discrepancies or errors before finalizing financial statements.
- Responded to requests for information and resolved issues quickly.
- Assisted in budget preparation and monitoring, contributing to cost-saving measures across the organization.
- Maintained tough quality standards to optimize delivery of Service type.
- Managed and responded to correspondence and inquiries from customers and vendors.
- Effectively communicated with clients about payment needs and kept updated, detailed and accurate ledgers.
Education
Bachelor Of Arts - English Language And Literature
Sam Ratulangi University
North Sulawesi - Indonesia11.2017
Skills
- Loan structuring
- Credit decisions
- Credit risk
- Verbal and written communication
- Oral and written communications
- Credit analysis
- Lending regulations
- Credit programs
- Banking regulations
- Loan presentation preparation
- Reporting and documentation
- Policy and procedure management
- Loan request assessments
- Consumer credit reports
- Judgmental lending
- Credit risk analysis
- Risk mitigation strategies
- Loan documentation and policies
- Credit decision making
- Customer Service
- Multitasking Abilities
- Reliability
- Loan Servicing
- Loan Underwriting
- Adaptability
- Relationship Management
- Communication Skills
- Complete applications
- Customer evaluation
- Serve customers
Certification
- Certificate of Basic Syariah Banking in OCBC
- Certificate of Bank Risk Management Level 1 by Banking Professional Certification Institute
- Certificate of Attendance for training Credit Reviewer Program
Timeline
Senior Credit Analyst
OCBC Bank
11.2008 - 02.2015
Account Officer
Windu Kentjana Bank
04.2008 - 11.2008
Credit Officer
BCA Finance
01.2007 - 01.2008
Account Officer
Economic Bank
03.2005 - 12.2006
Bachelor Of Arts - English Language And Literature
Sam Ratulangi University