Afif Setya Ramadhan

Built cash-flow projections in three scenarios to test repayment capacity under stress. Verified bank statements and financial statements for credit analysis and credit memo preparation, and disbursed IDR 10 billion in financing in the first month.

Performed end-to-end credit feasibility analysis and prepared credit memos for sharia-compliant commercial financing. Monitored portfolio performance and asset quality, maintaining zero NPF on proposed financing.

Assessed financial needs of community clients and tailored sharia banking solutions. Built strategic partnerships with organizations such as BAZNAS and Muhammadiyah, and exceeded performance targets during probation.

Directed branch operations and business performance, coaching Financing Officers on financing quality. Delivered IDR 9 billion in financing within 2 months and led the branch to an A category ranking in Q2 and Q3.

Analyzed and managed a retail and SME financing portfolio, delivering IDR 50 billion in financing disbursement. Mentored branch-level Relationship Managers and served as Product Owner for Bank Guarantee and Supply Chain Financing products.

Acquired and analyzed new financing clients, managed the branch credit portfolio, and monitored NPL while rolling out Supply Chain Financing. Recognized as Top Achiever RM with IDR 17.5 billion in financing delivered.

Applied 5C-based risk analysis to structure corporate financing solutions, growing outstanding portfolio to IDR 77 billion in 2020 and IDR 185 billion in 2021. Served as Project Manager for sharia synergy initiatives and Product Owner for Bank Guarantee and Supply Chain Financing.

Streamlined lending and deposit business processes, delivering consumer lending at 150% of target and IDR 1 billion in SME loans.

Educated clients on capital market products, exceeded new-account targets by 100%, and managed client funds of up to IDR 400 million.

Bachelor of Islamic Business with a focus on Sharia Implementation, Marketing, and Finance.