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CURRICULUM VITAE

PERSONAL DETAILS
Full Name
Place/Date of Birth
Gender
Marital Status
Address
Address
Phone Number
E-mail

: Zulfikar, ST
: Medan/ October 2nd, 1977
: male
: Married
: Komplek Bumi Rezki Permai A/17 Panam Pekanbaru Riau
: Jl. Rajawali No. 51 C Surabaya
: 08127601108
: zulfikardilla@yahoo.co.id

FORMAL EDUCATION
University

Riau

Faculty

Economic

Discipline

GPA

Master
3,30/4,00
Managgement

Degree

Year

MM

2011

WORK EXPERIENCES
Employer

PT. State Bank Of India
Indonesia

Position / Job Description

Year

Head Division Micro, Retail
& SME 2015-…..
Banking & Personal In Charge Branch
Manager Surabaya
 Responsibility for target achievement
business
retail
banking,
Saving
account, current account or (CASA) and
Deposit, Bank Guarantee, credit retail
and SME suitable Planning of business
bank (RBB) which have been submitted
to the BI and OJK
 Responsibility for target Standard
Service and Standard Level agreement
all Branches suitable annual business
meeting
 Responsibility of design new product
and analysis of new product from risk
product and together with product
development team, risk management
team, and system procedure and
operational, carry out a percentage of
OJK and implemented new product to
all branches
 Support all branches of the agenda
promo either follow exhibitions
 Analysis and decide special rate or
special
treatment
together
with
treasury team, and business director
and managing director level in the
decision limit proposed special rate
 Monitoring the achievement of business
target that all branches and support the
Zulfikar, ST
Currculum Vitae

Bank DKI Branch Pekanbaru (Deputy Branch Manager)   2013.. cassie. assurances etc) o Analysis Risk & Mitigation  Default Risk : Analysis of industrial risk Zulfikar.process of acceleration in the form of branch existing credit decision or deviation policy PT. RTO. infestation loan based on balanced sheet with analysis NPV & IRR to make decision give grace period or IDC and payment schedule o Analysis Document :  analysis of document costumer. ROA. proposal credit and document.2015 Team of credit approval level II suitable limit credit from letter of decision (SK) Director and Risk Management Review Credit and analysis of Credit : o Analysis financial :  analysis of cash flow.etc)  analysis of structure credit (net working capital based on balanced sheet & cash flow to make decision give revolving or no revolving and payment schedule. DER. signature have responsibility of company/KCTT o Analysis of legalities :  Analysis letter of approval Credit/SP3K (Surat penegasan pemberitahuan persetujuan Kredit) suitable with disposition team of credit approval in the proposal credit  Analysis of comply every process credit and document credit (document of costumer. APHT. report of On the spot/OTS or report feasibility study and appraisal from appraisal company. consumptive loan based on take home pay and DSR Debt Service ratio. Number of tax registration/NPWP. ITO. ST Curriculum Vitae . signature of costumer. ID Card/KTP. CR. balanced sheet analysis report financial ROI. BI Checking legalities/Akadakad notaries  Analysis of document legalities with the focus content condition of agreement credit (akad-akad. letter of registration company/SITU or Sign of Registration company/TDP.ROE. letter of permit company/SIUP.FEO.

ID Card/KTP.  PT. ST Currculum Vitae . letter of registration company/SITU or Sign of Registration company/TDP.ROE.etc)  analysis of structure credit (net working capital based on balanced sheet & cash flow to make decision give revolving or no revolving and payment schedule. letter of permit company/SIUP. default covenant and BI Checking or recommendation with exiting costumer and very extreme not give credit Regional Credit Reviewer Manager Commercial  Team of credit approval level II suitable limit credit from letter of decision (SK) Director and Risk Management with limit IDR 35 bio  Monitoring and maintenance account management  Responsible of target lending segment business SME  2008-2013 Review Credit and analysis of Credit : o Analysis financial :  analysis of cash flow. Bank Mandiri Regional Medan or business risk with concentration industrial financial standard. RTO. balanced sheet analysis report financial ROI. infestation loan based on balanced sheet with analysis NPV & IRR to make decision give grace period or IDC and payment schedule o Analysis Document :  analysis of document costumer. ROA. analysis of internal management costumer mitigation with additional guaranteed or additional equity from costumer Shrinking risk : unsual business risk like decrease sales of business mitigation every transaction must in one account or make escrow account Character risk :side streaming like not suitable with give credit window dressing. signature have responsibility of company/KCTT o Analysis of legalities : Zulfikar. consumptive loan based on take home pay and DSR Debt Service ratio. break a promise of condition agreement credit mitigation additional agreement negative covenant. Number of tax registration/NPWP. DER. ITO. CR.

balanced sheet Zulfikar. proposal credit and document.. back office and Marketing Monitoring and maintenance account management Responsible of target lending segment business SME Review Credit and analysis of Credit : o Analysis financial :  analysis of cash flow. break a promise of condition agreement credit mitigation additional agreement negative covenant.   o    PT. signature of costumer. cassie.FEO. assurances etc) Analysis Risk & Mitigation Default Risk : Analysis of industrial risk or business risk with concentration industrial financial standard. analysis of internal management costumer mitigation with additional guaranteed or additional equity from costumer Shrinking risk : unsual business risk like decrease sales of business mitigation every transaction must in one account or make escrow account Character risk :side streaming like not suitable with give credit window dressing. default covenant and BI Checking or recommendation with exiting costumer and very extreme not give credit Account officer (2003-2005)     2003-2006 Team of credit approval level II suitable limit credit from letter of decision (SK) Director and Risk Management Responsibility for service quality and operational branch like front office. Bank Syariah Mandiri Branch pekanbaru Analysis letter of approval Credit/SP3K (Surat penegasan pemberitahuan persetujuan Kredit) suitable with disposition team of credit approval in the proposal credit Analysis of comply every process credit and document credit (document of costumer. BI Checking legalities/Akadakad notaries Analysis of document legalities with the focus content condition of agreement credit (akad-akad. report of On the spot/OTS or report feasibility study and appraisal from appraisal company. APHT. ST Curriculum Vitae .

etc) analysis of structure credit (net working capital based on balanced sheet & cash flow to make decision give revolving or no revolving and payment schedule. proposal credit and document. report of On the spot/OTS or report feasibility study and appraisal from appraisal company. signature of costumer. BI Checking legalities/Akadakad notaries Analysis of document legalities with the focus content condition of agreement credit (akad-akad. consumptive loan based on take home pay and DSR Debt Service ratio. Number of tax registration/NPWP. ROA. CR. analysis of internal management costumer mitigation with additional guaranteed or additional equity from costumer Shrinking risk : unusual business risk like decrease sales of business mitigation every transaction must in one account or make escrow account Character risk :side streaming like not suitable with give credit window dressing. signature have responsibility of company/KCTT Analysis of legalities : Analysis letter of approval Credit/SP3K (Surat penegasan pemberitahuan persetujuan Kredit) suitable with disposition team of credit approval in the proposal credit Analysis of comply every process credit and document credit (document of costumer.ROE. ST Currculum Vitae .FEO. letter of registration company/SITU or Sign of Registration company/TDP. APHT. cassie. RTO. letter of permit company/SIUP. ITO. assurances etc) Analysis Risk & Mitigation Default Risk : Analysis of industrial risk or business risk with concentration industrial financial standard. break a promise of condition agreement credit mitigation additional Zulfikar. DER. infestation loan based on balanced sheet with analysis NPV & IRR to make decision give grace period or IDC and payment schedule Analysis Document : analysis of document costumer. ID Card/KTP. o  o    o    analysis report financial ROI.

Center.selling skill.BSM Place PT. analysis of KCTT/Signature of costumer Analysis Of Risk and regulation of Basel Accord I and II Ability development skill marketing (persentation. Bank Mayapada PT. Jakarta) Year 2005 PT.BSM PT.BSM (Training Jakarta) PT. BSM PT.BSM PT.BSM (Training Jakarta) 2005 PT.BSM (Training Jakarta) Training Jakarta Center. Center..BSM PT.BSM (Training Center.etc) Analysis of change business & company strategy about competition business Review Proposal Credit (5 C Principal) Review Financial Report Review Legalitas & document Review of structure Credyt Institution PT. default covenant and BI Checking or recommendation with exiting costumer and very extreme not give credit COURSES / TRAINING Name Of Course Credit Analysis Know Your Costumer Risk Management Negotiation Skill Change Management Risk Credit Analyst Description Analysis Of Feasibility Study Analysis Of Risk & Business Analysis Of Infestation & Capital Working To know illegal transaction and report to PPATK.BSM (Training Jakarta) PT.agreement negative covenant. 2006 Center. 2011 CERTIFIED RISK MANAGEMENT BSMR Level I BSMR Level II BSMR Level III Score 90 Score 88 Score 80 Regards Zulfikar Zulfikar. 2006 2006 Center. ST Curriculum Vitae .

ST Currculum Vitae .Zulfikar.