Looking for a job

Adriel Ian Irawan

@adrielianirawan

Credit Account Officer at PT Bank Panin assessing mortgage and SME credit applications and evaluating borrower capacity, cash flow, and risk.

Indonesia

Message

At PT Bank Panin, I conduct credit analysis for mortgage and SME borrowers, assessing financial statements, cash flows, business operations, repayment capacity, and collateral. I have analyzed and assessed 50+ credit applications and identify risks and appropriate mitigations for credit proposals.

As Co-Founder/ Finance Lead at EUNOIA Candles, I managed the venture’s financial aspects, including financial reports, balance sheets, and profit/loss calculations. Earlier, as a Tax and Accounting Intern at PT Pelumas Petroasia Indonesia, I assisted with monthly tax calculations and tax-related data entry.

Experience

Work history, roles, and key accomplishments

Current

Credit Account Officer

Current

PT Bank Panin

Dec 2022 - Present (3 years 10 months)

Conducts credit analysis for mortgage and SME borrowers, evaluating financial statements, cash flows, and collateral. Coordinates with brokers, developers, and internal stakeholders throughout the credit origination process.

Credit Analysis Mortgage Analysis SME Lending Financial Statement Analysis Cash Flow Analysis Risk Assessment Stakeholder Management

Co-Founder/Finance Lead

EUNOIA Candles

Feb 2021 - Dec 2022 (1 year 10 months)

Managed financial aspects of a start-up aromatherapy candle business, including creating financial reports, balance sheets, and calculating profit/loss.

Financial Reporting Balance Sheet Profit And Loss entrepreneurship

Tax and Accounting Intern

PT Pelumas Petroasia Indonesia

Feb 2019 - Mar 2019 (1 month)

Assisted in calculating monthly tax liabilities based on accumulated sales and performed tax-related data entry through the company's online system.

Tax Calculation Data Entry

Education

Degrees, certifications, and relevant coursework

Universitas Prasetiya Mulya

Bachelor of Management, Management

2018 - 2022

Grade: 3.50

Bachelor of Management degree from Universitas Prasetiya Mulya, with a GPA of 3.50. Gained knowledge and practice in business management, which supports current work in credit analysis.