Malihatul Mardhiyyah
Credit Administration Quality Assurance Analyst at PT Bank Sinarmas Tbk- Claim this Profile
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Bio
Credentials
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Lean Six Sigma Yellow Belt
SSCXAug, 2022- Oct, 2024 -
Sertifikasi Manajemen Risiko (BSMR 1)
Global Association of Risk Professionals (GARP)Mar, 2022- Oct, 2024
Experience
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PT Bank Sinarmas Tbk
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Indonesia
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Banking
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700 & Above Employee
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Credit Administration Quality Assurance Analyst
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Dec 2021 - Present
- Performing quality assurance function and internal control to ensure credit document and credit facilities that set up in the core banking system are aligned with applicable procedures (Corporate, Commercial, SME, Micro & Consumer Segmentation)- Ensuring certitude and validity of all documents and credit agreements- Ensuring suitability of BWMK, term and feature of credit facilities, nominal setting/disbursement, installment schedule, LBU code input, type and collateral value and other items that set up in the core banking system- Generating resumes and evaluation of non-conforming items, and perform a socialization in order to avoid repeated findings and minimize operational risk- Reporting data on credit quality assurance for BoD Show less
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Credit Administration and Controlling
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Jun 2020 - Dec 2021
- Setting-up/maintaining credit facilities and loan contracts in the core banking system (new facilities, renewal, termination or changing)- Carrying out transactions related to the process of disbursement, repayment, termination, credit installments, debiting expenses and others with control and monitoring/supervision- Performing daily reconciliation with settlement and figuring out discrepancy in recorded transactions- Monitoring and conducting daily reports of Past Due Debtors and Inflow NPL Show less
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Credit Analyst
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Jun 2019 - Jun 2020
- Analyzing the feasibility of credit applications from various aspect (5C, 7P, 3R) plafond up to 2 Billions for individual and up to 20 Billions for Corporate Credit Programs- Specific financial analysis such us financial ratios, business performance, and risk assesment- Make recommendation on credit applications- Ensuring procedures and credit approval are aligned with regulations- Socialization to the branches regarding branch performance and credit policies (SOP)- Monitoring and reporting data on credit application (SLA Review) Show less
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Credit Analyst Development Programme
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Oct 2018 - Jun 2019
Been trained for 8 months by proffesionals mentors :- Analyzing quantitative and qualitative data to evaluate feasibility of credit proposals (Segment MSME, Consumer, SME & Commercial) based on 5C, 7P, 3R analysis and identifying potential risks in credit proposals
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Education
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2013 - 2018
Universitas Gadjah Mada (UGM)
Bachelor's degree, Nurse Midwife/Nursing Midwifery
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