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Trainings for Gap Competencies and

Entrepreneurship’s Skill
Made Rai Laksmi W
29113146
YP 49 B

Master of Business and Administration – Bandung Institute of Technology


Job Description of Credit Risk Analyst
at Bank Mandiri
1 Measuring, monitoring, and managing credit risk for each borrower and also at the portfolio level.

Measuring Corporate Credit Rating, Consumer Scoring, Risk-Adjusted Performance Management, and
2 measuring Risk-Adjusted Return on Capital

3 Reviewing the Credit Policy and Guidelines for credit approval, credit supervision, and credit
restructuring.

4 Estimating the EL (Expected Loss) value to calculate appropriate interest rate for customer.

Regularly monitor and evaluate the performance of internal rating model and Customer Scorecard
5 (primary tool used in the loan process for consumer loans) for accuracy.

Monitoring and making adjustments in response to new policies, change in macroeconomic conditions
6 and the outlook for specific industries, central bank policy, and other events.

7 Developing a credit scoring system for small-and-medium-sized business customers

Master of Business and Administration – Bandung Institute of Technology


Job Description of Credit Risk Analyst
at Bank Mandiri (Spencer & Spencer)
1 Concern for Order, and Initiative.

2 Analytical Thinking, Initiative, Information Seeking, and Achievement Orientation

3 Teamwork, Flexibility, and Team Leadership

4 Analytical Thinking, and Expertise

5 Costumer Service Orientation, Teamwork, and Team Leadership

6 Initiative, Information Seeking, Teamwork, Impact & Influence, and Directiviness

7 Conceptual Thinking, Teamwork, Developing Others, and Expertise

Master of Business and Administration – Bandung Institute of Technology


My Competencies based on Spencer
& Spencer

Achievement Developing Analytical


Orientation
Initiative
Others Thinking

Able to
Concern for Information
work as a
Order Seeking
team

Master of Business and Administration – Bandung Institute of Technology


Competencies Gap
Job Specification My Qualification
• Concern for Order • Achievement Orientation
• Initiative • Initiative
• Analytical Thinking
• Information Seeking • Developing Others
• Teamwork • Analytical Thinking
• Achievement Orientation
• Flexibility • Concern for Order
• Team Leadership • Information Seeking
• Expertise
• Customer Service Orientation
•Note :
Teamwork
1. I only met 7 qualifications
• Impact & Influence from 14 qualifications
• Directiviness needed.
• Conceptual Thinking 2. The red colored is the
• Developing Others Competencies Gap
Master of Business and Administration – Bandung Institute of Technology
Training for Flexibility, Team Leadership,
Impact & Influence, and Directiviness
Effective Leadership Skills held by Trimitra Consultants
(http://www.trimitra.com/Training/leadership.html)
• Objectives : to be better able to understand the
concept of leadership and to apply it in their job
• Contents :
– The concept of leadership
– Leadership Abilities
– Leading Self
– Visioning
– Handling People
– Create and Lead Team
– Problem Solving and Decision Making

Master of Business and Administration – Bandung Institute of Technology


Training for Risk Expertise
• Risk Management Training Level 1,2, and 3 held by LPPI (Indonesian Banking Development Institute)
– Objective : to manage risks in work units in accordance to level authority
– Contents :
• Risk management process in accordance with Basel II, Bank Indonesia regulations, and COSO &
Enterprise Wide Risk Management
• Liquidity risk measurement and management methods, etc.
• Credit Risk Management Training held by LPPI (Indonesian Banking Development Institute)
– Objective : to develop credit risk management from identification process up to its control
– Contents :
• Measure either trading book or banking book creditworthiness
• Measure credit on loan and credit extension either to debt or equity markets.
• Credit Risk Modeling held by LPPI (Indonesian Banking Development Institute)
– Objective : to design several credit risk measurement models and identify factors necessary to pay
model.
– Contents : risk measure that is related with PD, LGD, EAD parameters and other components
originating from internal and external data.

(source : http://www.lppi.or.id/english.php/module/Pages/sub/3/category/72)

Master of Business and Administration – Bandung Institute of Technology


Training for Customer Service
Orientation
Customer Service Orientation Enhancement held by PPM
(http://www.pelatihanmanajemen.com/customer-
service-orientation-enhancement.html)
• Objective : Understand customer service orientation,
CSO key behavior, and able to perform the key
behavior
• Contents :
– The importance of customer service orientation for
organization
– 7 key behaviors
– Practical ways to enhance CSO Competency
– Customer service problems and simulation

Master of Business and Administration – Bandung Institute of Technology


Training for Conceptual Thinking
Conceptual and Analytical Thinking Training held by Putra-Putri-Indonesia.com
(http://www.putra-putri-indonesia.com/conceptual-thinking.html)
• Objective :
– Understanding What Is a Conceptual Thinking and Analytical Thinking
– Know the Basic Difference between Conceptual and Analytical Thinking
– Knowing Barriers to Conceptual Thinking
– Applying Conceptual and Analytical Thinking for Problem Solving
– Know the Challenges in Applying Conceptual Thinking in the World of Work
• Contents :
– Conceptual thinking
– Characteristics Conceptual Thinking
– Barriers to Conceptual Thinking
– Application Conceptual Thinking in the World of Work
– Challenges in Applying Conceptual Thinking the World of Work
– Analytical thinking
– Analytical Thinking Characteristics
– Analytical Thinking Application in the World of Work

Master of Business and Administration – Bandung Institute of Technology


ENTREPRENEUR
As Entrepreneur, I want to open clothing boutiques or clothing franchise of
famous brands like Zara, Marks & Spencer, etc. The picture below showed the
skills that an entrepreneur should have :

Master of Business and Administration – Bandung Institute of Technology


ENTREPRENEUR SKILL (Spencer &
Spencer)
• Achievement Orientation • Directiviness
• Initiative • Team Leadership
• Information Seeking • Analytical Thinking
• Interpersonal Understanding • Conceptual Thinking
• Customer Service Orientation • Expertise
• Impact & Influence • Self-Control
• Organizational Awareness • Self Confidence
• Relationship Building • Flexibility
• Developing Others • Organizational Commitment

Master of Business and Administration – Bandung Institute of Technology